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 Pennsylvania

Compare monthly care rates across 1,802 cities and 656 CMS-certified nursing facilities in Pennsylvania.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 656 Avg. Home Value: $217,012
Assisted Living🏠
$5,540/mo
$66,480/year
-11% vs U.S. avg
Memory Care🧠
$6,760/mo
$81,120/year
-11% vs U.S. avg
Home Care (44h/wk)🤝
$5,960/mo
$31.26 per hour
-11% vs U.S. avg
Nursing Home (Semi)🏥
$8,560/mo
Private room: $9,650/mo
-11% 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$5,540/mo
Memory Care$6,760/mo
Home Care$31.26/hr
Nursing Semi$8,560/mo
Nursing Priv$9,650/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $202k
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 Pennsylvania

40.9 hrs/wk Break-even threshold

At Pennsylvania's average caregiver rate of $31.26/hr, hiring in-home care equals the $5,540/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
$2,709/mo

Saves $2,831/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,960 vs. $5,540/mo

Full-time home care costs $420/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$10,836/mo

Assisted Living saves $5,296/mo; Memory Care averages $6,760/mo.

Major Cities in Pennsylvania

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
Philadelphia Delaware $6,220/mo $7,590/mo $9,600/mo $302,400 47
Pittsburgh Allegheny $5,300/mo $6,470/mo $8,190/mo $216,700 26
Erie Erie $4,340/mo $5,290/mo $6,710/mo $169,500 14
Lancaster Lancaster $6,000/mo $7,320/mo $9,270/mo $279,400 10
York York $5,580/mo $6,810/mo $8,620/mo $235,000 10
Scranton Lackawanna $4,570/mo $5,580/mo $7,070/mo $189,900 9
Allentown Lehigh $5,910/mo $7,210/mo $9,130/mo $276,100 8
Bethlehem Lehigh $5,910/mo $7,210/mo $9,130/mo $276,100 8
Carlisle Cumberland $5,770/mo $7,040/mo $8,920/mo $261,900 8
Greensburg Westmoreland $4,460/mo $5,440/mo $6,890/mo $193,100 8
Chambersburg Franklin $5,150/mo $6,280/mo $7,950/mo $236,300 7
Lansdale Montgomery $7,710/mo $9,410/mo $11,910/mo $409,900 7
Johnstown Cambria $4,340/mo $5,290/mo $6,710/mo $115,900 6
New Castle Lawrence $4,340/mo $5,290/mo $6,710/mo $136,700 6
Doylestown Bucks $7,520/mo $9,170/mo $11,620/mo $421,700 5
Easton Northampton $6,210/mo $7,580/mo $9,600/mo $285,000 5
Harrisburg Dauphin $5,340/mo $6,510/mo $8,260/mo $222,300 5
Lititz Lancaster $6,000/mo $7,320/mo $9,270/mo $279,400 5
Monroeville Allegheny $5,300/mo $6,470/mo $8,190/mo $216,700 5
Norristown Chester $8,270/mo $10,090/mo $12,780/mo $461,800 5
Uniontown Fayette $4,340/mo $5,290/mo $6,710/mo $126,900 5
West Chester Chester $8,270/mo $10,090/mo $12,780/mo $461,800 5
Wilkes Barre Luzerne $4,460/mo $5,440/mo $6,890/mo $163,800 5
Canonsburg Washington $4,820/mo $5,880/mo $7,450/mo $220,600 4
Gettysburg Adams $5,370/mo $6,550/mo $8,290/mo $256,100 4
Hollidaysburg Blair $4,340/mo $5,290/mo $6,710/mo $156,700 4
Indiana Indiana $4,340/mo $5,290/mo $6,710/mo $145,400 4
Mechanicsburg Cumberland $5,770/mo $7,040/mo $8,920/mo $261,900 4
Media Delaware $6,220/mo $7,590/mo $9,600/mo $302,400 4
Pottstown Chester $8,270/mo $10,090/mo $12,780/mo $461,800 4
Pottsville Schuylkill $4,340/mo $5,290/mo $6,710/mo $140,400 4
State College Centre $5,380/mo $6,560/mo $8,310/mo $308,100 4
Warminster Bucks $7,520/mo $9,170/mo $11,620/mo $421,700 4
Washington Washington $4,820/mo $5,880/mo $7,450/mo $220,600 4
Williamsport Lycoming $4,340/mo $5,290/mo $6,710/mo $195,600 4
Altoona Blair $4,340/mo $5,290/mo $6,710/mo $156,700 3
Bradford Mckean $4,340/mo $5,290/mo $6,710/mo $98,700 3
Broomall Delaware $6,220/mo $7,590/mo $9,600/mo $302,400 3
Bryn Mawr Delaware $6,220/mo $7,590/mo $9,600/mo $302,400 3
Camp Hill Cumberland $5,770/mo $7,040/mo $8,920/mo $261,900 3
Elizabethtown Lancaster $6,000/mo $7,320/mo $9,270/mo $279,400 3
Grove City Mercer $4,340/mo $5,290/mo $6,710/mo $153,600 3
Hanover York $5,580/mo $6,810/mo $8,620/mo $235,000 3
Hazleton Luzerne $4,460/mo $5,440/mo $6,890/mo $163,800 3
Kingston Luzerne $4,460/mo $5,440/mo $6,890/mo $163,800 3
Kittanning Armstrong $4,340/mo $5,290/mo $6,710/mo $146,300 3
Langhorne Bucks $7,520/mo $9,170/mo $11,620/mo $421,700 3
Lebanon Lebanon $5,230/mo $6,380/mo $8,090/mo $227,300 3
Meadville Crawford $4,340/mo $5,290/mo $6,710/mo $143,400 3
Newtown Bucks $7,520/mo $9,170/mo $11,620/mo $421,700 3
Palmyra Lebanon $5,230/mo $6,380/mo $8,090/mo $227,300 3
Quakertown Bucks $7,520/mo $9,170/mo $11,620/mo $421,700 3
Reading Berks $5,420/mo $6,610/mo $8,380/mo $239,700 3
Wyncote Montgomery $7,710/mo $9,410/mo $11,910/mo $409,900 3
Ambler Montgomery $7,710/mo $9,410/mo $11,910/mo $409,900 2
Beaver Falls Beaver $4,450/mo $5,430/mo $6,880/mo $185,500 2
Bethel Park Allegheny $5,300/mo $6,470/mo $8,190/mo $216,700 2
Brookville Jefferson $4,340/mo $5,290/mo $6,710/mo $126,700 2
Carbondale Lackawanna $4,570/mo $5,580/mo $7,070/mo $189,900 2
Cheswick Allegheny $5,300/mo $6,470/mo $8,190/mo $216,700 2
Columbia Lancaster $6,000/mo $7,320/mo $9,270/mo $279,400 2
Coraopolis Allegheny $5,300/mo $6,470/mo $8,190/mo $216,700 2
Dallas Luzerne $4,460/mo $5,440/mo $6,890/mo $163,800 2
Danville Montour $5,050/mo $6,160/mo $7,800/mo $240,300 2
Darby Delaware $6,220/mo $7,590/mo $9,600/mo $302,400 2
Duncannon Perry $4,640/mo $5,660/mo $7,160/mo $222,800 2
Ephrata Lancaster $6,000/mo $7,320/mo $9,270/mo $279,400 2
Flourtown Montgomery $7,710/mo $9,410/mo $11,910/mo $409,900 2
Fort Washington Bucks $7,520/mo $9,170/mo $11,620/mo $421,700 2
Franklin Venango $4,340/mo $5,290/mo $6,710/mo $114,500 2
Glen Mills Delaware $6,220/mo $7,590/mo $9,600/mo $302,400 2
Glenside Montgomery $7,710/mo $9,410/mo $11,910/mo $409,900 2
Greenville Mercer $4,340/mo $5,290/mo $6,710/mo $153,600 2
Hatboro Montgomery $7,710/mo $9,410/mo $11,910/mo $409,900 2
Hermitage Mercer $4,340/mo $5,290/mo $6,710/mo $153,600 2
Honey Brook Chester $8,270/mo $10,090/mo $12,780/mo $461,800 2
Huntingdon Huntingdon $4,340/mo $5,290/mo $6,710/mo $180,300 2
Kennett Square Chester $8,270/mo $10,090/mo $12,780/mo $461,800 2
Lafayette Hill Montgomery $7,710/mo $9,410/mo $11,910/mo $409,900 2
Latrobe Westmoreland $4,460/mo $5,440/mo $6,890/mo $193,100 2

Pennsylvania Senior Care FAQ (2026)

The statewide average for assisted living in Pennsylvania is $5,540 per month ($66,480 per year), compared to the U.S. national median of $6,200 per month.
In Pennsylvania, a semi-private room in a CMS-certified nursing home averages $8,560 per month, while a private room averages $9,650 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Pennsylvania is $2,901 per month.