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
🔍
Home › Oregon › Bend, OR

Senior Care & Assisted Living Costs in Bend, OR

2026 monthly care rates for Bend (Deschutes County), local Census affordability metrics, and 3 CMS-certified care facilities.

Assisted Living🏠
$7,150/mo
$85,800/yr
+15% vs U.S. avg
Memory Care🧠
$8,720/mo
$104,640/yr
+15% vs U.S. avg
In-Home Care🤝
$40.38/hr
$7,700/mo (44h/wk)
+15% vs U.S. avg
Nursing Home (Semi)🏥
$11,050/mo
Private: $12,460/mo
+15% vs U.S. avg

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$7,150/mo
Memory Care$8,720/mo
Home Care$40.38/hr
Nursing Semi$11,050/mo
Nursing Priv$12,460/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $554k
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 Bend, OR

40.9 hrs/wk Break-even threshold

At Bend, OR's average caregiver rate of $40.38/hr, hiring in-home care equals the $7,150/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
$3,499/mo

Saves $3,651/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$7,699 vs. $7,150/mo

Full-time home care costs $549/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$13,997/mo

Assisted Living saves $6,847/mo; Memory Care averages $8,720/mo.

Bend vs. Oregon & U.S. Averages

Monthly Assisted Living cost comparison adjusted for Deschutes County economic indicators.

Bend, OR$7,150/mo
Oregon State Average$6,330/mo
U.S. National Median$6,200/mo

Deschutes County Economic Context (U.S. Census)

Official ACS 5-Year benchmarks used to model local care affordability (see methodology).

Median Household Income $87,640/yr ($7,303/mo)
Median Home Value $596,000
Median Gross Rent $1,674/mo
Oregon Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Bend, OR

Official Medicare provider registry showing certified bed capacity, ownership structure, and CMS 5-star quality ratings.

Bend Transitional Care
900 Ne 27Th Street, Bend, OR 97701 • 5413820479
60 Certified Beds For profit - Corporation CCN: 385253
5/5 CMS Rating
Regency Care Of Central Oregon
119 Se Wilson Avenue, Bend, OR 97702 • 5413827161
46 Certified Beds For profit - Corporation CCN: 385282
5/5 CMS Rating
Pilot Butte Rehabilitation Center
1876 Ne Highway 20, Bend, OR 97701 • 5413825531
74 Certified Beds For profit - Corporation CCN: 385138
1/5 CMS Rating

Frequently Asked Questions About Senior Care in Bend

The estimated median cost of assisted living in Bend, OR is $7,150 per month ($85,800 per year), adjusted for Deschutes County housing and income data.
A semi-private room in a skilled nursing facility in Bend averages $11,050 per month, while a private room averages $12,460 per month.
In-home caregiver services in Bend, OR average $40.38 per hour, or roughly $7,700 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in Oregon is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby Oregon Cities

Redmond, OR $7,150/mo Terrebonne, OR $4,780/mo Sisters, OR $7,150/mo Powell Butte, OR $5,760/mo Culver, OR $4,780/mo La Pine, OR $7,150/mo Camp Sherman, OR $4,780/mo Prineville, OR $5,760/mo Madras, OR $4,780/mo Warm Springs, OR $4,780/mo Fort Rock, OR $4,340/mo Crescent, OR $4,410/mo