2026 National Senior Care Cost Index • Updated with U.S. Census ACS & CMS Medicare Data Covering 51 States & DC • 29,639 Cities • 14,676 CMS Facilities

2026 Senior Living & Nursing Home Costs in Oregon

Compare monthly care rates across 379 cities and 128 CMS-certified nursing facilities in Oregon.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 128 Avg. Home Value: $361,589
Assisted Living🏠
$6,330/mo
$75,960/year
≈ U.S. average
Memory Care🧠
$7,720/mo
$92,640/year
≈ U.S. average
Home Care (44h/wk)🤝
$6,820/mo
$35.75 per hour
≈ U.S. average
Nursing Home (Semi)🏥
$9,790/mo
Private room: $11,030/mo
≈ U.S. average

2026 Long-Term Care Financial & Runway Simulator

Models eldercare inflation, home equity liquidation fees (7%), income offsets & Medicaid spend-down rules.

1. Select Care Setting & Schedule
Assisted Living$6,330/mo
Memory Care$7,720/mo
Home Care$35.75/hr
Nursing Semi$9,790/mo
Nursing Priv$11,030/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/mo)
LTC Insurance / VA Benefit ($/mo)
VA Aid & Attendance up to $2,358/mo
3. Capital & Home Equity Reserves
Liquid Savings & IRA ($)
Home Value / Equity ($) Net: $336k
Auto-deducts 7% realtor & closing costs
Total Projected Care Cost
$0
Year 1 → Year 3
Net Out-of-Pocket Gap
$0
Initial monthly shortfall: $0/mo
Annual Care Cost vs. Remaining Capital End Balance: $0
Annual Care Cost (Inflation-Adjusted) Remaining Net Capital
2026 Cost Crossover Analysis

Home Care vs. Assisted Living Break-Even Point in Oregon

40.9 hrs/wk Break-even threshold

At Oregon's average caregiver rate of $35.75/hr, hiring in-home care equals the $6,330/mo cost of Assisted Living at exactly 40.9 hours per week (~5.8 hrs/day).

Part-Time Care (15 hrs/wk) Crossover: 40.9 hrs/wk 24/7 Shifts (168 hrs/wk)
Home Care Cheaper 20 hrs/wk at Home
$3,098/mo

Saves $3,232/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,816 vs. $6,330/mo

Full-time home care costs $486/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$12,392/mo

Assisted Living saves $6,062/mo; Memory Care averages $7,720/mo.

Major Cities in Oregon

Sorted by number of Medicare-certified care facilities and local market size.

City County Assisted Living Memory Care Nursing Home (Semi) Median Home Value CMS Facilities
Portland Clackamas $7,590/mo $9,260/mo $11,730/mo $577,900 30
Eugene Lane $5,560/mo $6,780/mo $8,590/mo $395,800 8
Grants Pass Josephine $4,900/mo $5,980/mo $7,570/mo $383,100 4
Gresham Multnomah $6,860/mo $8,370/mo $10,610/mo $528,000 4
Medford Jackson $5,680/mo $6,930/mo $8,780/mo $400,200 4
Salem Marion $5,840/mo $7,120/mo $9,030/mo $383,300 4
Albany Linn $5,640/mo $6,880/mo $8,720/mo $344,600 3
Bend Deschutes $7,150/mo $8,720/mo $11,050/mo $596,000 3
Mcminnville Yamhill $6,340/mo $7,730/mo $9,790/mo $442,700 3
Oregon City Clackamas $7,590/mo $9,260/mo $11,730/mo $577,900 3
The Dalles Wasco $4,550/mo $5,550/mo $7,040/mo $332,500 3
Beaverton Washington $7,930/mo $9,670/mo $12,250/mo $558,500 2
Coos Bay Coos $4,490/mo $5,480/mo $6,940/mo $302,800 2
Forest Grove Washington $7,930/mo $9,670/mo $12,250/mo $558,500 2
Hillsboro Washington $7,930/mo $9,670/mo $12,250/mo $558,500 2
Keizer Marion $5,840/mo $7,120/mo $9,030/mo $383,300 2
Lebanon Linn $5,640/mo $6,880/mo $8,720/mo $344,600 2
Newberg Yamhill $6,340/mo $7,730/mo $9,790/mo $442,700 2
Roseburg Douglas $4,460/mo $5,440/mo $6,890/mo $283,200 2
Ashland Jackson $5,680/mo $6,930/mo $8,780/mo $400,200 1
Astoria Clatsop $5,120/mo $6,250/mo $7,910/mo $437,800 1
Brookings Curry $5,070/mo $6,190/mo $7,830/mo $366,700 1
Canby Clackamas $7,590/mo $9,260/mo $11,730/mo $577,900 1
Corvallis Benton $5,950/mo $7,260/mo $9,200/mo $481,700 1
Cottage Grove Lane $5,560/mo $6,780/mo $8,590/mo $395,800 1
Creswell Lane $5,560/mo $6,780/mo $8,590/mo $395,800 1
Dallas Polk $5,870/mo $7,160/mo $9,080/mo $419,500 1
Florence Lane $5,560/mo $6,780/mo $8,590/mo $395,800 1
Gladstone Clackamas $7,590/mo $9,260/mo $11,730/mo $577,900 1
Hermiston Umatilla $4,670/mo $5,700/mo $7,220/mo $256,100 1
Hood River Hood River $6,200/mo $7,560/mo $9,580/mo $571,200 1
Independence Polk $5,870/mo $7,160/mo $9,080/mo $419,500 1
Junction City Lane $5,560/mo $6,780/mo $8,590/mo $395,800 1
Klamath Falls Klamath $4,410/mo $5,380/mo $6,820/mo $255,700 1
La Grande Union $4,580/mo $5,590/mo $7,080/mo $260,500 1
Lake Oswego Clackamas $7,590/mo $9,260/mo $11,730/mo $577,900 1
Madras Jefferson $4,780/mo $5,830/mo $7,390/mo $339,200 1
Milton Freewater Umatilla $4,670/mo $5,700/mo $7,220/mo $256,100 1
Molalla Clackamas $7,590/mo $9,260/mo $11,730/mo $577,900 1
Mount Angel Marion $5,840/mo $7,120/mo $9,030/mo $383,300 1
Myrtle Point Coos $4,490/mo $5,480/mo $6,940/mo $302,800 1
Newport Lincoln $4,950/mo $6,040/mo $7,650/mo $387,700 1
Pendleton Umatilla $4,670/mo $5,700/mo $7,220/mo $256,100 1
Prairie City Grant $4,340/mo $5,290/mo $6,710/mo $225,100 1
Prineville Crook $5,760/mo $7,030/mo $8,900/mo $423,300 1
Redmond Deschutes $7,150/mo $8,720/mo $11,050/mo $596,000 1
Reedsport Douglas $4,460/mo $5,440/mo $6,890/mo $283,200 1
Saint Helens Columbia $5,900/mo $7,200/mo $9,110/mo $390,600 1
Scappoose Columbia $5,900/mo $7,200/mo $9,110/mo $390,600 1
Sheridan Yamhill $6,340/mo $7,730/mo $9,790/mo $442,700 1
Springfield Lane $5,560/mo $6,780/mo $8,590/mo $395,800 1
Tualatin Washington $7,930/mo $9,670/mo $12,250/mo $558,500 1
Vale Malheur $4,340/mo $5,290/mo $6,710/mo $221,300 1
West Linn Clackamas $7,590/mo $9,260/mo $11,730/mo $577,900 1
Wheeler Tillamook $5,160/mo $6,300/mo $7,970/mo $408,600 1
Wilsonville Clackamas $7,590/mo $9,260/mo $11,730/mo $577,900 1
Woodburn Marion $5,840/mo $7,120/mo $9,030/mo $383,300 1
Adams Umatilla $4,670/mo $5,700/mo $7,220/mo $256,100 0
Adel Lake $4,340/mo $5,290/mo $6,710/mo $219,400 0
Adrian Malheur $4,340/mo $5,290/mo $6,710/mo $221,300 0
Agness Curry $5,070/mo $6,190/mo $7,830/mo $366,700 0
Allegany Coos $4,490/mo $5,480/mo $6,940/mo $302,800 0
Alsea Benton $5,950/mo $7,260/mo $9,200/mo $481,700 0
Alvadore Lane $5,560/mo $6,780/mo $8,590/mo $395,800 0
Amity Yamhill $6,340/mo $7,730/mo $9,790/mo $442,700 0
Antelope Wasco $4,550/mo $5,550/mo $7,040/mo $332,500 0
Arch Cape Clatsop $5,120/mo $6,250/mo $7,910/mo $437,800 0
Arlington Gilliam $4,860/mo $5,930/mo $7,510/mo $158,400 0
Arock Malheur $4,340/mo $5,290/mo $6,710/mo $221,300 0
Ashwood Jefferson $4,780/mo $5,830/mo $7,390/mo $339,200 0
Athena Umatilla $4,670/mo $5,700/mo $7,220/mo $256,100 0
Aumsville Marion $5,840/mo $7,120/mo $9,030/mo $383,300 0
Aurora Marion $5,840/mo $7,120/mo $9,030/mo $383,300 0
Azalea Douglas $4,460/mo $5,440/mo $6,890/mo $283,200 0
Baker City Baker $4,340/mo $5,290/mo $6,710/mo $247,700 0
Bandon Coos $4,490/mo $5,480/mo $6,940/mo $302,800 0
Banks Washington $7,930/mo $9,670/mo $12,250/mo $558,500 0
Bates Grant $4,340/mo $5,290/mo $6,710/mo $225,100 0
Bay City Tillamook $5,160/mo $6,300/mo $7,970/mo $408,600 0
Beatty Klamath $4,410/mo $5,380/mo $6,820/mo $255,700 0

Oregon Senior Care FAQ (2026)

The statewide average for assisted living in Oregon is $6,330 per month ($75,960 per year), compared to the U.S. national median of $6,200 per month.
In Oregon, a semi-private room in a CMS-certified nursing home averages $9,790 per month, while a private room averages $11,030 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Oregon is $2,901 per month.