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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Home › South Dakota › Custer, SD

Senior Care & Assisted Living Costs in Custer, SD

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

Assisted Living🏠
$5,480/mo
$65,760/yr
-12% vs U.S. avg
Memory Care🧠
$6,690/mo
$80,280/yr
-12% vs U.S. avg
In-Home Care🤝
$30.95/hr
$5,900/mo (44h/wk)
-12% vs U.S. avg
Nursing Home (Semi)🏥
$8,470/mo
Private: $9,550/mo
-12% 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$5,480/mo
Memory Care$6,690/mo
Home Care$30.95/hr
Nursing Semi$8,470/mo
Nursing Priv$9,550/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $304k
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 Custer, SD

40.9 hrs/wk Break-even threshold

At Custer, SD's average caregiver rate of $30.95/hr, hiring in-home care equals the $5,480/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
$2,682/mo

Saves $2,798/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,901 vs. $5,480/mo

Full-time home care costs $421/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$10,729/mo

Assisted Living saves $5,249/mo; Memory Care averages $6,690/mo.

Custer vs. South Dakota & U.S. Averages

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

Custer, SD$5,480/mo
South Dakota State Average$4,650/mo
U.S. National Median$6,200/mo

Custer County Economic Context (U.S. Census)

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

Median Household Income $81,958/yr ($6,830/mo)
Median Home Value $327,200
Median Gross Rent $1,117/mo
South Dakota Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Custer, SD

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

Custer Care And Rehab Center
1065 Montgomery St, Custer, SD 57730 • 6056732115
43 Certified Beds Non profit - Corporation CCN: 435136
1/5 CMS Rating

Frequently Asked Questions About Senior Care in Custer

The estimated median cost of assisted living in Custer, SD is $5,480 per month ($65,760 per year), adjusted for Custer County housing and income data.
A semi-private room in a skilled nursing facility in Custer averages $8,470 per month, while a private room averages $9,550 per month.
In-home caregiver services in Custer, SD average $30.95 per hour, or roughly $5,900 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in South Dakota is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby South Dakota Cities

Pringle, SD $5,480/mo Hill City, SD $5,010/mo Hot Springs, SD $4,340/mo Keystone, SD $5,010/mo Buffalo Gap, SD $5,480/mo Fairburn, SD $5,480/mo Hermosa, SD $5,480/mo Nemo, SD $4,500/mo Black Hawk, SD $5,340/mo Edgemont, SD $4,340/mo Rapid City, SD $5,010/mo Piedmont, SD $5,340/mo