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 Vermont

Compare monthly care rates across 288 cities and 33 CMS-certified nursing facilities in Vermont.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 33 Avg. Home Value: $267,021
Assisted Living🏠
$5,640/mo
$67,680/year
-9% vs U.S. avg
Memory Care🧠
$6,880/mo
$82,560/year
-9% vs U.S. avg
Home Care (44h/wk)🤝
$6,070/mo
$31.83 per hour
-9% vs U.S. avg
Nursing Home (Semi)🏥
$8,710/mo
Private room: $9,820/mo
-9% 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$5,640/mo
Memory Care$6,880/mo
Home Care$31.83/hr
Nursing Semi$8,710/mo
Nursing Priv$9,820/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $248k
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 Vermont

40.9 hrs/wk Break-even threshold

At Vermont's average caregiver rate of $31.83/hr, hiring in-home care equals the $5,640/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
$2,758/mo

Saves $2,882/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,068 vs. $5,640/mo

Full-time home care costs $428/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$11,034/mo

Assisted Living saves $5,394/mo; Memory Care averages $6,880/mo.

Major Cities in Vermont

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
Bennington Bennington $5,020/mo $6,120/mo $7,760/mo $257,400 4
Barre Washington $5,360/mo $6,540/mo $8,280/mo $293,900 3
Burlington Chittenden $7,130/mo $8,700/mo $11,020/mo $404,500 3
Rutland Rutland $4,550/mo $5,550/mo $7,040/mo $218,400 3
Brattleboro Windham $4,900/mo $5,980/mo $7,570/mo $265,100 2
Barton Orleans $4,420/mo $5,390/mo $6,830/mo $213,300 1
Glover Orleans $4,420/mo $5,390/mo $6,830/mo $213,300 1
Greensboro Orleans $4,420/mo $5,390/mo $6,830/mo $213,300 1
Ludlow Windsor $5,200/mo $6,340/mo $8,040/mo $267,400 1
Lyndonville Caledonia $4,430/mo $5,400/mo $6,840/mo $215,900 1
Middlebury Addison $5,910/mo $7,210/mo $9,130/mo $333,700 1
Morrisville Lamoille $5,130/mo $6,260/mo $7,930/mo $285,200 1
Newport Orleans $4,420/mo $5,390/mo $6,830/mo $213,300 1
Northfield Washington $5,360/mo $6,540/mo $8,280/mo $293,900 1
Randolph Center Orange $5,420/mo $6,610/mo $8,370/mo $251,000 1
Saint Albans Franklin $5,520/mo $6,730/mo $8,530/mo $285,500 1
Saint Johnsbury Caledonia $4,430/mo $5,400/mo $6,840/mo $215,900 1
Shelburne Chittenden $7,130/mo $8,700/mo $11,020/mo $404,500 1
Springfield Windsor $5,200/mo $6,340/mo $8,040/mo $267,400 1
Vernon Windham $4,900/mo $5,980/mo $7,570/mo $265,100 1
Windsor Windsor $5,200/mo $6,340/mo $8,040/mo $267,400 1
Adamant Washington $5,360/mo $6,540/mo $8,280/mo $293,900 0
Albany Orleans $4,420/mo $5,390/mo $6,830/mo $213,300 0
Alburgh Grand Isle $6,600/mo $8,050/mo $10,200/mo $363,500 0
Arlington Bennington $5,020/mo $6,120/mo $7,760/mo $257,400 0
Ascutney Windsor $5,200/mo $6,340/mo $8,040/mo $267,400 0
Averill Essex $4,340/mo $5,290/mo $6,710/mo $167,500 0
Bakersfield Franklin $5,520/mo $6,730/mo $8,530/mo $285,500 0
Barnard Windsor $5,200/mo $6,340/mo $8,040/mo $267,400 0
Barnet Caledonia $4,430/mo $5,400/mo $6,840/mo $215,900 0
Beebe Plain Orleans $4,420/mo $5,390/mo $6,830/mo $213,300 0
Beecher Falls Essex $4,340/mo $5,290/mo $6,710/mo $167,500 0
Bellows Falls Windham $4,900/mo $5,980/mo $7,570/mo $265,100 0
Belmont Rutland $4,550/mo $5,550/mo $7,040/mo $218,400 0
Belvidere Center Lamoille $5,130/mo $6,260/mo $7,930/mo $285,200 0
Benson Rutland $4,550/mo $5,550/mo $7,040/mo $218,400 0
Bethel Windsor $5,200/mo $6,340/mo $8,040/mo $267,400 0
Bomoseen Rutland $4,550/mo $5,550/mo $7,040/mo $218,400 0
Bondville Bennington $5,020/mo $6,120/mo $7,760/mo $257,400 0
Bradford Orange $5,420/mo $6,610/mo $8,370/mo $251,000 0
Brandon Rutland $4,550/mo $5,550/mo $7,040/mo $218,400 0
Bridgewater Windsor $5,200/mo $6,340/mo $8,040/mo $267,400 0
Bridgewater Corners Windsor $5,200/mo $6,340/mo $8,040/mo $267,400 0
Bridport Addison $5,910/mo $7,210/mo $9,130/mo $333,700 0
Bristol Addison $5,910/mo $7,210/mo $9,130/mo $333,700 0
Brookfield Orange $5,420/mo $6,610/mo $8,370/mo $251,000 0
Brownsville Windsor $5,200/mo $6,340/mo $8,040/mo $267,400 0
Cabot Washington $5,360/mo $6,540/mo $8,280/mo $293,900 0
Calais Washington $5,360/mo $6,540/mo $8,280/mo $293,900 0
Cambridge Chittenden $7,130/mo $8,700/mo $11,020/mo $404,500 0
Cambridgeport Windham $4,900/mo $5,980/mo $7,570/mo $265,100 0
Canaan Essex $4,340/mo $5,290/mo $6,710/mo $167,500 0
Castleton Rutland $4,550/mo $5,550/mo $7,040/mo $218,400 0
Cavendish Windsor $5,200/mo $6,340/mo $8,040/mo $267,400 0
Center Rutland Rutland $4,550/mo $5,550/mo $7,040/mo $218,400 0
Charlotte Chittenden $7,130/mo $8,700/mo $11,020/mo $404,500 0
Chelsea Orange $5,420/mo $6,610/mo $8,370/mo $251,000 0
Chester Windsor $5,200/mo $6,340/mo $8,040/mo $267,400 0
Chester Depot Windsor $5,200/mo $6,340/mo $8,040/mo $267,400 0
Chittenden Rutland $4,550/mo $5,550/mo $7,040/mo $218,400 0
Colchester Chittenden $7,130/mo $8,700/mo $11,020/mo $404,500 0
Concord Essex $4,340/mo $5,290/mo $6,710/mo $167,500 0
Corinth Orange $5,420/mo $6,610/mo $8,370/mo $251,000 0
Coventry Orleans $4,420/mo $5,390/mo $6,830/mo $213,300 0
Craftsbury Orleans $4,420/mo $5,390/mo $6,830/mo $213,300 0
Craftsbury Common Orleans $4,420/mo $5,390/mo $6,830/mo $213,300 0
Cuttingsville Rutland $4,550/mo $5,550/mo $7,040/mo $218,400 0
Danby Rutland $4,550/mo $5,550/mo $7,040/mo $218,400 0
Danville Caledonia $4,430/mo $5,400/mo $6,840/mo $215,900 0
Derby Orleans $4,420/mo $5,390/mo $6,830/mo $213,300 0
Derby Line Orleans $4,420/mo $5,390/mo $6,830/mo $213,300 0
Dorset Bennington $5,020/mo $6,120/mo $7,760/mo $257,400 0
East Arlington Bennington $5,020/mo $6,120/mo $7,760/mo $257,400 0
East Barre Washington $5,360/mo $6,540/mo $8,280/mo $293,900 0
East Berkshire Franklin $5,520/mo $6,730/mo $8,530/mo $285,500 0
East Burke Caledonia $4,430/mo $5,400/mo $6,840/mo $215,900 0
East Calais Washington $5,360/mo $6,540/mo $8,280/mo $293,900 0
East Charleston Orleans $4,420/mo $5,390/mo $6,830/mo $213,300 0
East Corinth Orange $5,420/mo $6,610/mo $8,370/mo $251,000 0
East Dorset Bennington $5,020/mo $6,120/mo $7,760/mo $257,400 0

Vermont Senior Care FAQ (2026)

The statewide average for assisted living in Vermont is $5,640 per month ($67,680 per year), compared to the U.S. national median of $6,200 per month.
In Vermont, a semi-private room in a CMS-certified nursing home averages $8,710 per month, while a private room averages $9,820 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Vermont is $2,901 per month.