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 South Carolina

Compare monthly care rates across 377 cities and 187 CMS-certified nursing facilities in South Carolina.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 187 Avg. Home Value: $197,219
Assisted Living🏠
$5,080/mo
$60,960/year
-18% vs U.S. avg
Memory Care🧠
$6,200/mo
$74,400/year
-18% vs U.S. avg
Home Care (44h/wk)🤝
$5,470/mo
$28.67 per hour
-18% vs U.S. avg
Nursing Home (Semi)🏥
$7,850/mo
Private room: $8,850/mo
-18% 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$5,080/mo
Memory Care$6,200/mo
Home Care$28.67/hr
Nursing Semi$7,850/mo
Nursing Priv$8,850/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $183k
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 South Carolina

40.9 hrs/wk Break-even threshold

At South Carolina's average caregiver rate of $28.67/hr, hiring in-home care equals the $5,080/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
$2,485/mo

Saves $2,595/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,466 vs. $5,080/mo

Full-time home care costs $386/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,938/mo

Assisted Living saves $4,858/mo; Memory Care averages $6,200/mo.

Major Cities in South Carolina

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
Columbia Lexington $5,270/mo $6,430/mo $8,140/mo $217,700 12
Greenville Greenville $5,480/mo $6,690/mo $8,470/mo $273,900 12
Spartanburg Spartanburg $4,680/mo $5,710/mo $7,240/mo $216,000 9
Charleston Berkeley $6,570/mo $8,020/mo $10,160/mo $280,300 8
Florence Florence $4,340/mo $5,290/mo $6,710/mo $165,500 8
Rock Hill York $6,020/mo $7,340/mo $9,300/mo $322,700 6
Inman Spartanburg $4,680/mo $5,710/mo $7,240/mo $216,000 5
Aiken Aiken $4,830/mo $5,890/mo $7,460/mo $199,500 4
Anderson Anderson $4,520/mo $5,510/mo $6,980/mo $212,500 4
Greenwood Greenwood $4,340/mo $5,290/mo $6,710/mo $166,400 4
Hilton Head Island Beaufort $6,560/mo $8,000/mo $10,130/mo $407,600 4
Orangeburg Orangeburg $4,340/mo $5,290/mo $6,710/mo $109,700 4
West Columbia Lexington $5,270/mo $6,430/mo $8,140/mo $217,700 4
Conway Horry $5,130/mo $6,260/mo $7,930/mo $260,500 3
Darlington Darlington $4,340/mo $5,290/mo $6,710/mo $141,400 3
Easley Pickens $4,340/mo $5,290/mo $6,710/mo $216,000 3
Gaffney Cherokee $4,340/mo $5,290/mo $6,710/mo $135,200 3
Greer Greenville $5,480/mo $6,690/mo $8,470/mo $273,900 3
Lexington Lexington $5,270/mo $6,430/mo $8,140/mo $217,700 3
Myrtle Beach Horry $5,130/mo $6,260/mo $7,930/mo $260,500 3
Summerville Dorchester $6,040/mo $7,370/mo $9,330/mo $294,400 3
Sumter Sumter $4,400/mo $5,370/mo $6,800/mo $159,500 3
Camden Kershaw $4,340/mo $5,290/mo $6,710/mo $191,900 2
Cheraw Chesterfield $4,340/mo $5,290/mo $6,710/mo $101,400 2
Clinton Laurens $4,340/mo $5,290/mo $6,710/mo $153,500 2
Georgetown Georgetown $5,150/mo $6,280/mo $7,970/mo $262,300 2
Lancaster Lancaster $4,660/mo $5,690/mo $7,200/mo $298,100 2
Laurens Laurens $4,340/mo $5,290/mo $6,710/mo $153,500 2
Mount Pleasant Charleston $6,600/mo $8,050/mo $10,200/mo $450,800 2
Newberry Newberry $4,340/mo $5,290/mo $6,710/mo $158,200 2
North Augusta Aiken $4,830/mo $5,890/mo $7,460/mo $199,500 2
Ridgeway Fairfield $4,340/mo $5,290/mo $6,710/mo $129,100 2
Seneca Oconee $4,340/mo $5,290/mo $6,710/mo $217,200 2
Union Union $4,340/mo $5,290/mo $6,710/mo $100,000 2
Walterboro Colleton $4,340/mo $5,290/mo $6,710/mo $145,900 2
Abbeville Abbeville $4,340/mo $5,290/mo $6,710/mo $147,200 1
Bamberg Bamberg $4,340/mo $5,290/mo $6,710/mo $96,000 1
Barnwell Barnwell $4,340/mo $5,290/mo $6,710/mo $97,200 1
Beaufort Beaufort $6,560/mo $8,000/mo $10,130/mo $407,600 1
Bennettsville Marlboro $4,340/mo $5,290/mo $6,710/mo $74,500 1
Bishopville Lee $4,340/mo $5,290/mo $6,710/mo $101,900 1
Blackville Barnwell $4,340/mo $5,290/mo $6,710/mo $97,200 1
Bluffton Beaufort $6,560/mo $8,000/mo $10,130/mo $407,600 1
Chester Chester $4,340/mo $5,290/mo $6,710/mo $143,800 1
Dillon Dillon $4,340/mo $5,290/mo $6,710/mo $84,400 1
Edgefield Edgefield $4,340/mo $5,290/mo $6,710/mo $194,300 1
Estill Hampton $4,340/mo $5,290/mo $6,710/mo $102,400 1
Fairfax Allendale $4,340/mo $5,290/mo $6,710/mo $61,600 1
Fork Dillon $4,340/mo $5,290/mo $6,710/mo $84,400 1
Fort Mill Lancaster $4,660/mo $5,690/mo $7,200/mo $298,100 1
Fountain Inn Greenville $5,480/mo $6,690/mo $8,470/mo $273,900 1
Hartsville Darlington $4,340/mo $5,290/mo $6,710/mo $141,400 1
Hopkins Richland $5,050/mo $6,160/mo $7,810/mo $224,200 1
Iva Anderson $4,520/mo $5,510/mo $6,980/mo $212,500 1
Johns Island Charleston $6,600/mo $8,050/mo $10,200/mo $450,800 1
Kingstree Williamsburg $4,340/mo $5,290/mo $6,710/mo $95,100 1
Lake City Florence $4,340/mo $5,290/mo $6,710/mo $165,500 1
Loris Horry $5,130/mo $6,260/mo $7,930/mo $260,500 1
Manning Clarendon $4,340/mo $5,290/mo $6,710/mo $147,300 1
Marietta Greenville $5,480/mo $6,690/mo $8,470/mo $273,900 1
Marion Marion $4,340/mo $5,290/mo $6,710/mo $86,800 1
Moncks Corner Berkeley $6,570/mo $8,020/mo $10,160/mo $280,300 1
Mullins Marion $4,340/mo $5,290/mo $6,710/mo $86,800 1
Okatie Beaufort $6,560/mo $8,000/mo $10,130/mo $407,600 1
Pawleys Island Georgetown $5,150/mo $6,280/mo $7,970/mo $262,300 1
Pickens Pickens $4,340/mo $5,290/mo $6,710/mo $216,000 1
Piedmont Greenville $5,480/mo $6,690/mo $8,470/mo $273,900 1
Port Royal Beaufort $6,560/mo $8,000/mo $10,130/mo $407,600 1
Ridgeland Jasper $5,440/mo $6,640/mo $8,400/mo $269,400 1
Saint George Dorchester $6,040/mo $7,370/mo $9,330/mo $294,400 1
Saint Matthews Calhoun $4,390/mo $5,360/mo $6,780/mo $148,800 1
Saint Stephen Berkeley $6,570/mo $8,020/mo $10,160/mo $280,300 1
Saluda Saluda $4,340/mo $5,290/mo $6,710/mo $123,200 1
Scranton Florence $4,340/mo $5,290/mo $6,710/mo $165,500 1
Simpsonville Greenville $5,480/mo $6,690/mo $8,470/mo $273,900 1
Six Mile Pickens $4,340/mo $5,290/mo $6,710/mo $216,000 1
Summerton Clarendon $4,340/mo $5,290/mo $6,710/mo $147,300 1
White Rock Richland $5,050/mo $6,160/mo $7,810/mo $224,200 1
Williston Barnwell $4,340/mo $5,290/mo $6,710/mo $97,200 1
Woodruff Spartanburg $4,680/mo $5,710/mo $7,240/mo $216,000 1

South Carolina Senior Care FAQ (2026)

The statewide average for assisted living in South Carolina is $5,080 per month ($60,960 per year), compared to the U.S. national median of $6,200 per month.
In South Carolina, a semi-private room in a CMS-certified nursing home averages $7,850 per month, while a private room averages $8,850 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in South Carolina is $2,901 per month.