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 Utah

Compare monthly care rates across 250 cities and 97 CMS-certified nursing facilities in Utah.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 97 Avg. Home Value: $370,490
Assisted Living🏠
$6,570/mo
$78,840/year
+6% vs U.S. avg
Memory Care🧠
$8,020/mo
$96,240/year
+6% vs U.S. avg
Home Care (44h/wk)🤝
$7,070/mo
$37.06 per hour
+6% vs U.S. avg
Nursing Home (Semi)🏥
$10,150/mo
Private room: $11,430/mo
+6% 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$6,570/mo
Memory Care$8,020/mo
Home Care$37.06/hr
Nursing Semi$10,150/mo
Nursing Priv$11,430/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $345k
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 Utah

40.9 hrs/wk Break-even threshold

At Utah's average caregiver rate of $37.06/hr, hiring in-home care equals the $6,570/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
$3,212/mo

Saves $3,358/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$7,066 vs. $6,570/mo

Full-time home care costs $496/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$12,846/mo

Assisted Living saves $6,276/mo; Memory Care averages $8,020/mo.

Major Cities in Utah

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
Salt Lake City Salt Lake $6,880/mo $8,390/mo $10,630/mo $484,500 16
Ogden Weber $6,050/mo $7,380/mo $9,340/mo $389,200 7
Orem Utah $6,810/mo $8,310/mo $10,520/mo $489,200 4
Bountiful Davis $7,340/mo $8,950/mo $11,350/mo $470,500 3
Brigham City Box Elder $5,120/mo $6,250/mo $7,910/mo $357,400 3
Logan Cache $5,430/mo $6,620/mo $8,380/mo $392,800 3
American Fork Utah $6,810/mo $8,310/mo $10,520/mo $489,200 2
Cedar City Iron $4,690/mo $5,720/mo $7,250/mo $342,900 2
Clearfield Davis $7,340/mo $8,950/mo $11,350/mo $470,500 2
Payson Utah $6,810/mo $8,310/mo $10,520/mo $489,200 2
Price Carbon $4,340/mo $5,290/mo $6,710/mo $200,700 2
Richfield Sevier $4,590/mo $5,600/mo $7,090/mo $274,100 2
Riverton Salt Lake $6,880/mo $8,390/mo $10,630/mo $484,500 2
Blanding San Juan $4,340/mo $5,290/mo $6,710/mo $189,900 1
Centerfield Sanpete $4,490/mo $5,480/mo $6,940/mo $300,400 1
Delta Millard $4,560/mo $5,560/mo $7,040/mo $246,400 1
Draper Salt Lake $6,880/mo $8,390/mo $10,630/mo $484,500 1
Ferron Emery $4,340/mo $5,290/mo $6,710/mo $197,100 1
Heber City Wasatch $8,610/mo $10,500/mo $13,300/mo $724,400 1
Hurricane Washington $6,250/mo $7,620/mo $9,660/mo $465,600 1
Ivins Washington $6,250/mo $7,620/mo $9,660/mo $465,600 1
Layton Davis $7,340/mo $8,950/mo $11,350/mo $470,500 1
Lehi Utah $6,810/mo $8,310/mo $10,520/mo $489,200 1
Midvale Salt Lake $6,880/mo $8,390/mo $10,630/mo $484,500 1
Moab Grand $4,640/mo $5,660/mo $7,170/mo $480,900 1
Nephi Juab $5,180/mo $6,320/mo $8,010/mo $369,800 1
Panguitch Garfield $4,340/mo $5,290/mo $6,710/mo $285,800 1
Pleasant Grove Utah $6,810/mo $8,310/mo $10,520/mo $489,200 1
Provo Utah $6,810/mo $8,310/mo $10,520/mo $489,200 1
Roosevelt Duchesne $4,770/mo $5,820/mo $7,370/mo $253,600 1
Roy Weber $6,050/mo $7,380/mo $9,340/mo $389,200 1
Salem Utah $6,810/mo $8,310/mo $10,520/mo $489,200 1
Sandy Salt Lake $6,880/mo $8,390/mo $10,630/mo $484,500 1
South Jordan Salt Lake $6,880/mo $8,390/mo $10,630/mo $484,500 1
Spanish Fork Utah $6,810/mo $8,310/mo $10,520/mo $489,200 1
Springville Utah $6,810/mo $8,310/mo $10,520/mo $489,200 1
Tooele Tooele $6,130/mo $7,480/mo $9,470/mo $391,300 1
Vernal Uintah $4,570/mo $5,580/mo $7,060/mo $270,200 1
West Jordan Salt Lake $6,880/mo $8,390/mo $10,630/mo $484,500 1
Alpine Utah $6,810/mo $8,310/mo $10,520/mo $489,200 0
Altamont Duchesne $4,770/mo $5,820/mo $7,370/mo $253,600 0
Alton Kane $5,280/mo $6,440/mo $8,160/mo $350,900 0
Altonah Duchesne $4,770/mo $5,820/mo $7,370/mo $253,600 0
Aneth San Juan $4,340/mo $5,290/mo $6,710/mo $189,900 0
Annabella Sevier $4,590/mo $5,600/mo $7,090/mo $274,100 0
Antimony Garfield $4,340/mo $5,290/mo $6,710/mo $285,800 0
Aurora Sevier $4,590/mo $5,600/mo $7,090/mo $274,100 0
Axtell Sanpete $4,490/mo $5,480/mo $6,940/mo $300,400 0
Bear River City Box Elder $5,120/mo $6,250/mo $7,910/mo $357,400 0
Beaver Beaver $5,370/mo $6,550/mo $8,300/mo $287,600 0
Beryl Iron $4,690/mo $5,720/mo $7,250/mo $342,900 0
Bicknell Wayne $4,860/mo $5,930/mo $7,510/mo $364,800 0
Bingham Canyon Salt Lake $6,880/mo $8,390/mo $10,630/mo $484,500 0
Bluebell Duchesne $4,770/mo $5,820/mo $7,370/mo $253,600 0
Bluff San Juan $4,340/mo $5,290/mo $6,710/mo $189,900 0
Bonanza Uintah $4,570/mo $5,580/mo $7,060/mo $270,200 0
Boulder Garfield $4,340/mo $5,290/mo $6,710/mo $285,800 0
Brian Head Iron $4,690/mo $5,720/mo $7,250/mo $342,900 0
Bryce Garfield $4,340/mo $5,290/mo $6,710/mo $285,800 0
Cache Junction Cache $5,430/mo $6,620/mo $8,380/mo $392,800 0
Cannonville Garfield $4,340/mo $5,290/mo $6,710/mo $285,800 0
Castle Dale Emery $4,340/mo $5,290/mo $6,710/mo $197,100 0
Cedar Valley Utah $6,810/mo $8,310/mo $10,520/mo $489,200 0
Centerville Davis $7,340/mo $8,950/mo $11,350/mo $470,500 0
Central Washington $6,250/mo $7,620/mo $9,660/mo $465,600 0
Chester Sanpete $4,490/mo $5,480/mo $6,940/mo $300,400 0
Circleville Piute $4,340/mo $5,290/mo $6,710/mo $235,400 0
Cisco Grand $4,640/mo $5,660/mo $7,170/mo $480,900 0
Clarkston Cache $5,430/mo $6,620/mo $8,380/mo $392,800 0
Clawson Emery $4,340/mo $5,290/mo $6,710/mo $197,100 0
Cleveland Emery $4,340/mo $5,290/mo $6,710/mo $197,100 0
Coalville Summit $9,440/mo $11,520/mo $14,590/mo $1,000,400 0
Collinston Box Elder $5,120/mo $6,250/mo $7,910/mo $357,400 0
Corinne Box Elder $5,120/mo $6,250/mo $7,910/mo $357,400 0
Cornish Cache $5,430/mo $6,620/mo $8,380/mo $392,800 0
Croydon Morgan $7,830/mo $9,550/mo $12,100/mo $600,900 0
Dammeron Valley Washington $6,250/mo $7,620/mo $9,660/mo $465,600 0
Deweyville Box Elder $5,120/mo $6,250/mo $7,910/mo $357,400 0
Duchesne Duchesne $4,770/mo $5,820/mo $7,370/mo $253,600 0
Duck Creek Village Kane $5,280/mo $6,440/mo $8,160/mo $350,900 0

Utah Senior Care FAQ (2026)

The statewide average for assisted living in Utah is $6,570 per month ($78,840 per year), compared to the U.S. national median of $6,200 per month.
In Utah, a semi-private room in a CMS-certified nursing home averages $10,150 per month, while a private room averages $11,430 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Utah is $2,901 per month.