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 Dakota

Compare monthly care rates across 364 cities and 96 CMS-certified nursing facilities in South Dakota.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 96 Avg. Home Value: $178,253
Assisted Living🏠
$4,650/mo
$55,800/year
-25% vs U.S. avg
Memory Care🧠
$5,670/mo
$68,040/year
-25% vs U.S. avg
Home Care (44h/wk)🤝
$5,000/mo
$26.25 per hour
-25% vs U.S. avg
Nursing Home (Semi)🏥
$7,190/mo
Private room: $8,100/mo
-25% 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$4,650/mo
Memory Care$5,670/mo
Home Care$26.25/hr
Nursing Semi$7,190/mo
Nursing Priv$8,100/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $166k
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 Dakota

40.9 hrs/wk Break-even threshold

At South Dakota's average caregiver rate of $26.25/hr, hiring in-home care equals the $4,650/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
$2,275/mo

Saves $2,375/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,005 vs. $4,650/mo

Full-time home care costs $355/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,099/mo

Assisted Living saves $4,449/mo; Memory Care averages $5,670/mo.

Major Cities in South Dakota

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
Rapid City Pennington $5,010/mo $6,110/mo $7,740/mo $270,400 8
Sioux Falls Lincoln $6,250/mo $7,620/mo $9,650/mo $323,500 7
Aberdeen Brown $4,340/mo $5,290/mo $6,710/mo $212,900 4
Brookings Brookings $4,390/mo $5,360/mo $6,780/mo $246,300 2
Flandreau Moody $4,340/mo $5,290/mo $6,710/mo $206,300 2
Hot Springs Fall River $4,340/mo $5,290/mo $6,710/mo $176,300 2
Milbank Grant $4,340/mo $5,290/mo $6,710/mo $179,400 2
Mitchell Davison $4,340/mo $5,290/mo $6,710/mo $190,000 2
Pierre Hughes $4,890/mo $5,970/mo $7,550/mo $221,100 2
Redfield Spink $4,340/mo $5,290/mo $6,710/mo $117,400 2
Watertown Codington $4,390/mo $5,360/mo $6,790/mo $218,000 2
Yankton Yankton $4,340/mo $5,290/mo $6,710/mo $208,200 2
Alcester Union $5,380/mo $6,560/mo $8,320/mo $269,500 1
Belle Fourche Butte $4,570/mo $5,580/mo $7,070/mo $207,700 1
Beresford Union $5,380/mo $6,560/mo $8,320/mo $269,500 1
Bowdle Edmunds $4,710/mo $5,750/mo $7,270/mo $163,600 1
Brandon Minnehaha $4,870/mo $5,940/mo $7,520/mo $266,600 1
Bridgewater Mccook $4,460/mo $5,440/mo $6,890/mo $217,300 1
Bristol Day $4,340/mo $5,290/mo $6,710/mo $155,100 1
Britton Marshall $4,340/mo $5,290/mo $6,710/mo $147,200 1
Canistota Mccook $4,460/mo $5,440/mo $6,890/mo $217,300 1
Canton Lincoln $6,250/mo $7,620/mo $9,650/mo $323,500 1
Centerville Turner $4,340/mo $5,290/mo $6,710/mo $199,000 1
Chamberlain Brule $4,340/mo $5,290/mo $6,710/mo $205,500 1
Clark Clark $4,340/mo $5,290/mo $6,710/mo $141,900 1
Custer Custer $5,480/mo $6,690/mo $8,470/mo $327,200 1
De Smet Kingsbury $4,340/mo $5,290/mo $6,710/mo $159,600 1
Dell Rapids Minnehaha $4,870/mo $5,940/mo $7,520/mo $266,600 1
Eagle Butte Dewey $4,340/mo $5,290/mo $6,710/mo $75,400 1
Estelline Hamlin $4,580/mo $5,590/mo $7,080/mo $207,700 1
Eureka Mcpherson $4,340/mo $5,290/mo $6,710/mo $78,400 1
Faulkton Faulk $4,340/mo $5,290/mo $6,710/mo $124,100 1
Freeman Hutchinson $4,340/mo $5,290/mo $6,710/mo $160,500 1
Garretson Minnehaha $4,870/mo $5,940/mo $7,520/mo $266,600 1
Gettysburg Potter $4,510/mo $5,500/mo $6,960/mo $121,300 1
Gregory Gregory $4,340/mo $5,290/mo $6,710/mo $129,000 1
Groton Brown $4,340/mo $5,290/mo $6,710/mo $212,900 1
Highmore Hyde $4,720/mo $5,760/mo $7,300/mo $134,500 1
Howard Miner $4,340/mo $5,290/mo $6,710/mo $114,100 1
Huron Beadle $4,340/mo $5,290/mo $6,710/mo $178,400 1
Irene Clay $4,340/mo $5,290/mo $6,710/mo $221,800 1
Kadoka Jackson $4,340/mo $5,290/mo $6,710/mo $111,500 1
Lake Andes Charles Mix $4,340/mo $5,290/mo $6,710/mo $169,200 1
Lake Norden Hamlin $4,580/mo $5,590/mo $7,080/mo $207,700 1
Lemmon Perkins $4,340/mo $5,290/mo $6,710/mo $105,900 1
Madison Lake $4,570/mo $5,580/mo $7,050/mo $231,000 1
Marion Turner $4,340/mo $5,290/mo $6,710/mo $199,000 1
Menno Hutchinson $4,340/mo $5,290/mo $6,710/mo $160,500 1
Miller Hand $4,340/mo $5,290/mo $6,710/mo $152,100 1
New Underwood Pennington $5,010/mo $6,110/mo $7,740/mo $270,400 1
Parkston Hutchinson $4,340/mo $5,290/mo $6,710/mo $160,500 1
Philip Haakon $4,340/mo $5,290/mo $6,710/mo $153,200 1
Platte Charles Mix $4,340/mo $5,290/mo $6,710/mo $169,200 1
Roslyn Day $4,340/mo $5,290/mo $6,710/mo $155,100 1
Scotland Bon Homme $4,340/mo $5,290/mo $6,710/mo $120,300 1
Selby Walworth $4,480/mo $5,470/mo $6,930/mo $130,000 1
Sisseton Roberts $4,340/mo $5,290/mo $6,710/mo $139,100 1
Spearfish Lawrence $4,500/mo $5,490/mo $6,960/mo $310,800 1
Sturgis Meade $5,340/mo $6,510/mo $8,250/mo $274,800 1
Tyndall Bon Homme $4,340/mo $5,290/mo $6,710/mo $120,300 1
Vermillion Clay $4,340/mo $5,290/mo $6,710/mo $221,800 1
Viborg Turner $4,340/mo $5,290/mo $6,710/mo $199,000 1
Wagner Charles Mix $4,340/mo $5,290/mo $6,710/mo $169,200 1
Wakonda Clay $4,340/mo $5,290/mo $6,710/mo $221,800 1
Webster Day $4,340/mo $5,290/mo $6,710/mo $155,100 1
Wessington Springs Jerauld $4,340/mo $5,290/mo $6,710/mo $127,000 1
White Lake Aurora $4,340/mo $5,290/mo $6,710/mo $129,000 1
White River Mellette $4,340/mo $5,290/mo $6,710/mo $63,000 1
Wilmot Roberts $4,340/mo $5,290/mo $6,710/mo $139,100 1
Winner Tripp $4,340/mo $5,290/mo $6,710/mo $137,100 1
Woonsocket Sanborn $4,340/mo $5,290/mo $6,710/mo $138,500 1
Agar Sully $4,580/mo $5,590/mo $7,080/mo $198,700 0
Akaska Walworth $4,480/mo $5,470/mo $6,930/mo $130,000 0
Alexandria Hanson $4,580/mo $5,590/mo $7,080/mo $192,400 0
Allen Bennett $4,340/mo $5,290/mo $6,710/mo $138,600 0
Alpena Jerauld $4,340/mo $5,290/mo $6,710/mo $127,000 0
Amherst Marshall $4,340/mo $5,290/mo $6,710/mo $147,200 0
Andover Day $4,340/mo $5,290/mo $6,710/mo $155,100 0
Arlington Kingsbury $4,340/mo $5,290/mo $6,710/mo $159,600 0
Armour Douglas $4,690/mo $5,720/mo $7,240/mo $125,000 0

South Dakota Senior Care FAQ (2026)

The statewide average for assisted living in South Dakota is $4,650 per month ($55,800 per year), compared to the U.S. national median of $6,200 per month.
In South Dakota, a semi-private room in a CMS-certified nursing home averages $7,190 per month, while a private room averages $8,100 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in South Dakota is $2,901 per month.