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 Rhode Island

Compare monthly care rates across 70 cities and 72 CMS-certified nursing facilities in Rhode Island.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 72 Avg. Home Value: $409,157
Assisted Living🏠
$6,080/mo
$72,960/year
≈ U.S. average
Memory Care🧠
$7,420/mo
$89,040/year
≈ U.S. average
Home Care (44h/wk)🤝
$6,540/mo
$34.32 per hour
≈ U.S. average
Nursing Home (Semi)🏥
$9,400/mo
Private room: $10,590/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$6,080/mo
Memory Care$7,420/mo
Home Care$34.32/hr
Nursing Semi$9,400/mo
Nursing Priv$10,590/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $381k
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 Rhode Island

40.9 hrs/wk Break-even threshold

At Rhode Island's average caregiver rate of $34.32/hr, hiring in-home care equals the $6,080/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
$2,974/mo

Saves $3,106/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,543 vs. $6,080/mo

Full-time home care costs $463/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$11,897/mo

Assisted Living saves $5,817/mo; Memory Care averages $7,420/mo.

Major Cities in Rhode Island

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
East Providence Providence $5,710/mo $6,970/mo $8,820/mo $339,100 7
Providence Providence $5,710/mo $6,970/mo $8,820/mo $339,100 7
Warwick Kent $6,160/mo $7,520/mo $9,520/mo $333,900 6
Woonsocket Providence $5,710/mo $6,970/mo $8,820/mo $339,100 4
Coventry Kent $6,160/mo $7,520/mo $9,520/mo $333,900 3
Johnston Providence $5,710/mo $6,970/mo $8,820/mo $339,100 3
Middletown Newport $7,490/mo $9,140/mo $11,580/mo $559,700 3
Newport Newport $7,490/mo $9,140/mo $11,580/mo $559,700 3
North Kingstown Washington $6,600/mo $8,050/mo $10,200/mo $469,800 3
Pascoag Providence $5,710/mo $6,970/mo $8,820/mo $339,100 3
Pawtucket Providence $5,710/mo $6,970/mo $8,820/mo $339,100 3
Warren Bristol $6,980/mo $8,520/mo $10,780/mo $468,000 3
Westerly Washington $6,600/mo $8,050/mo $10,200/mo $469,800 3
Bristol Bristol $6,980/mo $8,520/mo $10,780/mo $468,000 2
Central Falls Providence $5,710/mo $6,970/mo $8,820/mo $339,100 2
Cranston Providence $5,710/mo $6,970/mo $8,820/mo $339,100 2
Cumberland Providence $5,710/mo $6,970/mo $8,820/mo $339,100 2
Greenville Providence $5,710/mo $6,970/mo $8,820/mo $339,100 2
North Providence Providence $5,710/mo $6,970/mo $8,820/mo $339,100 2
Smithfield Providence $5,710/mo $6,970/mo $8,820/mo $339,100 2
West Kingston Washington $6,600/mo $8,050/mo $10,200/mo $469,800 2
East Greenwich Kent $6,160/mo $7,520/mo $9,520/mo $333,900 1
Manville Providence $5,710/mo $6,970/mo $8,820/mo $339,100 1
North Smithfield Providence $5,710/mo $6,970/mo $8,820/mo $339,100 1
West Warwick Kent $6,160/mo $7,520/mo $9,520/mo $333,900 1
Adamsville Newport $7,490/mo $9,140/mo $11,580/mo $559,700 0
Albion Providence $5,710/mo $6,970/mo $8,820/mo $339,100 0
Ashaway Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0
Barrington Bristol $6,980/mo $8,520/mo $10,780/mo $468,000 0
Block Island Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0
Bradford Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0
Carolina Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0
Charlestown Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0
Chepachet Providence $5,710/mo $6,970/mo $8,820/mo $339,100 0
Clayville Providence $5,710/mo $6,970/mo $8,820/mo $339,100 0
Exeter Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0
Fiskeville Providence $5,710/mo $6,970/mo $8,820/mo $339,100 0
Forestdale Providence $5,710/mo $6,970/mo $8,820/mo $339,100 0
Foster Providence $5,710/mo $6,970/mo $8,820/mo $339,100 0
Glendale Providence $5,710/mo $6,970/mo $8,820/mo $339,100 0
Greene Kent $6,160/mo $7,520/mo $9,520/mo $333,900 0
Harmony Providence $5,710/mo $6,970/mo $8,820/mo $339,100 0
Harrisville Providence $5,710/mo $6,970/mo $8,820/mo $339,100 0
Hope Providence $5,710/mo $6,970/mo $8,820/mo $339,100 0
Hope Valley Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0
Hopkinton Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0
Jamestown Newport $7,490/mo $9,140/mo $11,580/mo $559,700 0
Kenyon Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0
Kingston Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0
Lincoln Providence $5,710/mo $6,970/mo $8,820/mo $339,100 0
Little Compton Newport $7,490/mo $9,140/mo $11,580/mo $559,700 0
Mapleville Providence $5,710/mo $6,970/mo $8,820/mo $339,100 0
Narragansett Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0
North Scituate Providence $5,710/mo $6,970/mo $8,820/mo $339,100 0
Oakland Providence $5,710/mo $6,970/mo $8,820/mo $339,100 0
Peace Dale Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0
Portsmouth Newport $7,490/mo $9,140/mo $11,580/mo $559,700 0
Prudence Island Bristol $6,980/mo $8,520/mo $10,780/mo $468,000 0
Riverside Providence $5,710/mo $6,970/mo $8,820/mo $339,100 0
Rockville Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0
Rumford Providence $5,710/mo $6,970/mo $8,820/mo $339,100 0
Saunderstown Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0
Shannock Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0
Slatersville Providence $5,710/mo $6,970/mo $8,820/mo $339,100 0
Slocum Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0
Tiverton Newport $7,490/mo $9,140/mo $11,580/mo $559,700 0
Wakefield Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0
West Greenwich Kent $6,160/mo $7,520/mo $9,520/mo $333,900 0
Wood River Junction Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0
Wyoming Washington $6,600/mo $8,050/mo $10,200/mo $469,800 0

Rhode Island Senior Care FAQ (2026)

The statewide average for assisted living in Rhode Island is $6,080 per month ($72,960 per year), compared to the U.S. national median of $6,200 per month.
In Rhode Island, a semi-private room in a CMS-certified nursing home averages $9,400 per month, while a private room averages $10,590 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Rhode Island is $2,901 per month.