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
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Senior Care & Assisted Living Costs in Moscow, PA

2026 monthly care rates for Moscow (Lackawanna County), local Census affordability metrics, and 1 CMS-certified care facilities.

Assisted Living🏠
$4,570/mo
$54,840/yr
-26% vs U.S. avg
Memory Care🧠
$5,580/mo
$66,960/yr
-26% vs U.S. avg
In-Home Care🤝
$25.82/hr
$4,920/mo (44h/wk)
-26% vs U.S. avg
Nursing Home (Semi)🏥
$7,070/mo
Private: $7,960/mo
-26% 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$4,570/mo
Memory Care$5,580/mo
Home Care$25.82/hr
Nursing Semi$7,070/mo
Nursing Priv$7,960/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $177k
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 Moscow, PA

40.8 hrs/wk Break-even threshold

At Moscow, PA's average caregiver rate of $25.82/hr, hiring in-home care equals the $4,570/mo cost of Assisted Living at exactly 40.8 hours per week (~5.8 hrs/day).

Part-Time Care (15 hrs/wk) Crossover: 40.8 hrs/wk 24/7 Shifts (168 hrs/wk)
Home Care Cheaper 20 hrs/wk at Home
$2,238/mo

Saves $2,332/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$4,923 vs. $4,570/mo

Full-time home care costs $353/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$8,950/mo

Assisted Living saves $4,380/mo; Memory Care averages $5,580/mo.

Moscow vs. Pennsylvania & U.S. Averages

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

Moscow, PA$4,570/mo
Pennsylvania State Average$5,540/mo
U.S. National Median$6,200/mo

Lackawanna County Economic Context (U.S. Census)

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

Median Household Income $64,691/yr ($5,391/mo)
Median Home Value $189,900
Median Gross Rent $973/mo
Pennsylvania Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Moscow, PA

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

Saint Mary'S Villa Nursing Hom
516 St. Mary'S Villa Road, Moscow, PA 18444 • 5708427621
112 Certified Beds Non profit - Corporation CCN: 395104
4/5 CMS Rating

Frequently Asked Questions About Senior Care in Moscow

The estimated median cost of assisted living in Moscow, PA is $4,570 per month ($54,840 per year), adjusted for Lackawanna County housing and income data.
A semi-private room in a skilled nursing facility in Moscow averages $7,070 per month, while a private room averages $7,960 per month.
In-home caregiver services in Moscow, PA average $25.82 per hour, or roughly $4,920 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in Pennsylvania is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby Pennsylvania Cities

Elmhurst, PA $4,570/mo Gouldsboro, PA $4,510/mo Jessup, PA $4,570/mo Sterling, PA $4,510/mo Lake Ariel, PA $4,510/mo Olyphant, PA $4,570/mo Peckville, PA $4,570/mo Dickson City, PA $4,570/mo Archbald, PA $4,570/mo Scranton, PA $4,570/mo South Sterling, PA $4,510/mo Hamlin, PA $4,510/mo