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 Virginia

Compare monthly care rates across 839 cities and 289 CMS-certified nursing facilities in Virginia.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 289 Avg. Home Value: $279,707
Assisted Living🏠
$7,170/mo
$86,040/year
+16% vs U.S. avg
Memory Care🧠
$8,750/mo
$105,000/year
+16% vs U.S. avg
Home Care (44h/wk)🤝
$7,720/mo
$40.48 per hour
+16% vs U.S. avg
Nursing Home (Semi)🏥
$11,080/mo
Private room: $12,490/mo
+16% 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$7,170/mo
Memory Care$8,750/mo
Home Care$40.48/hr
Nursing Semi$11,080/mo
Nursing Priv$12,490/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $260k
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 Virginia

40.9 hrs/wk Break-even threshold

At Virginia's average caregiver rate of $40.48/hr, hiring in-home care equals the $7,170/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
$3,508/mo

Saves $3,662/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$7,718 vs. $7,170/mo

Full-time home care costs $548/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$14,032/mo

Assisted Living saves $6,862/mo; Memory Care averages $8,750/mo.

Major Cities in Virginia

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
Richmond Chesterfield $7,140/mo $8,710/mo $11,030/mo $336,700 19
Virginia Beach Virginia Beach City $7,180/mo $8,760/mo $11,090/mo $366,300 14
Roanoke Botetourt $4,990/mo $6,090/mo $7,710/mo $268,900 11
Charlottesville Albemarle $7,470/mo $9,110/mo $11,540/mo $471,000 8
Lynchburg Lynchburg City $4,610/mo $5,620/mo $7,130/mo $211,800 8
Norfolk Norfolk City $5,290/mo $6,450/mo $8,170/mo $271,900 8
Newport News Newport News City $5,470/mo $6,670/mo $8,460/mo $243,300 6
Alexandria Alexandria City $8,900/mo $10,860/mo $13,750/mo $696,800 5
Fredericksburg Fredericksburg City $6,670/mo $8,140/mo $10,310/mo $461,500 5
Williamsburg James City $7,250/mo $8,840/mo $11,200/mo $419,200 5
Arlington Arlington $10,230/mo $12,480/mo $15,810/mo $864,800 4
Chesapeake Chesapeake City $6,940/mo $8,470/mo $10,730/mo $359,100 4
Danville Danville City $4,340/mo $5,290/mo $6,710/mo $110,200 4
Hampton Hampton City $5,670/mo $6,920/mo $8,760/mo $234,100 4
Harrisonburg Harrisonburg City $4,820/mo $5,880/mo $7,450/mo $278,200 4
Petersburg Petersburg City $4,580/mo $5,590/mo $7,080/mo $157,900 4
Suffolk Suffolk City $6,720/mo $8,200/mo $10,380/mo $329,600 4
Winchester Frederick $6,660/mo $8,130/mo $10,290/mo $355,000 4
Fairfax Fairfax $9,720/mo $11,860/mo $15,020/mo $677,400 3
Fishersville Augusta $5,260/mo $6,420/mo $8,130/mo $281,400 3
Martinsville Martinsville City $4,340/mo $5,290/mo $6,710/mo $92,500 3
Mechanicsville Hanover $7,330/mo $8,940/mo $11,330/mo $372,700 3
Portsmouth Portsmouth City $5,190/mo $6,330/mo $8,020/mo $229,400 3
Salem Salem $4,830/mo $5,890/mo $7,470/mo $244,800 3
Abingdon Washington $4,340/mo $5,290/mo $6,710/mo $201,800 2
Annandale Fairfax $9,720/mo $11,860/mo $15,020/mo $677,400 2
Bedford Bedford $4,920/mo $6,000/mo $7,600/mo $276,600 2
Blacksburg Montgomery $5,380/mo $6,560/mo $8,320/mo $283,600 2
Bristol Bristol $4,340/mo $5,290/mo $6,710/mo $168,700 2
Chesterfield Chesterfield $7,140/mo $8,710/mo $11,030/mo $336,700 2
Clifton Forge Alleghany $4,340/mo $5,290/mo $6,710/mo $122,300 2
Culpeper Culpeper $6,720/mo $8,200/mo $10,380/mo $386,400 2
Daleville Botetourt $4,990/mo $6,090/mo $7,710/mo $268,900 2
Emporia Greensville $4,340/mo $5,290/mo $6,710/mo $159,200 2
Falls Church Fairfax $9,720/mo $11,860/mo $15,020/mo $677,400 2
Farmville Prince Edward $4,340/mo $5,290/mo $6,710/mo $203,700 2
Front Royal Warren $5,770/mo $7,040/mo $8,920/mo $315,800 2
Gainesville Prince William $9,280/mo $11,320/mo $14,340/mo $500,600 2
Galax Galax City $4,340/mo $5,290/mo $6,710/mo $126,800 2
Gloucester Gloucester $5,610/mo $6,840/mo $8,660/mo $289,200 2
Hopewell Hopewell City $4,390/mo $5,360/mo $6,790/mo $165,100 2
Leesburg Loudoun $10,230/mo $12,480/mo $15,810/mo $701,000 2
Manassas Manassas City $8,500/mo $10,370/mo $13,140/mo $434,700 2
Marion Smyth $4,340/mo $5,290/mo $6,710/mo $125,800 2
Midlothian Chesterfield $7,140/mo $8,710/mo $11,030/mo $336,700 2
Rocky Mount Franklin $4,650/mo $5,670/mo $7,180/mo $227,200 2
South Boston Halifax $4,340/mo $5,290/mo $6,710/mo $148,900 2
Staunton Staunton City $4,560/mo $5,560/mo $7,050/mo $239,300 2
Warrenton Fauquier $8,110/mo $9,890/mo $12,540/mo $543,700 2
Waynesboro Waynesboro City $4,340/mo $5,290/mo $6,710/mo $236,600 2
Woodstock Shenandoah $4,550/mo $5,550/mo $7,030/mo $265,800 2
Wytheville Wythe $4,340/mo $5,290/mo $6,710/mo $172,100 2
Yorktown York $8,060/mo $9,830/mo $12,450/mo $411,200 2
Altavista Campbell $4,340/mo $5,290/mo $6,710/mo $199,200 1
Amherst Amherst $4,340/mo $5,290/mo $6,710/mo $197,200 1
Appomattox Appomattox $4,340/mo $5,290/mo $6,710/mo $189,200 1
Aroda Madison $5,330/mo $6,500/mo $8,230/mo $331,400 1
Ashburn Loudoun $10,230/mo $12,480/mo $15,810/mo $701,000 1
Ashland Hanover $7,330/mo $8,940/mo $11,330/mo $372,700 1
Bassett Henry $4,340/mo $5,290/mo $6,710/mo $120,300 1
Bastian Bland $4,340/mo $5,290/mo $6,710/mo $157,100 1
Berryville Clarke $7,110/mo $8,670/mo $10,990/mo $538,900 1
Big Stone Gap Wise $4,340/mo $5,290/mo $6,710/mo $116,500 1
Blackstone Nottoway $4,590/mo $5,600/mo $7,100/mo $179,800 1
Bluefield Tazewell $4,340/mo $5,290/mo $6,710/mo $116,100 1
Bowling Green Caroline $5,840/mo $7,120/mo $9,020/mo $283,100 1
Bridgewater Rockingham $5,400/mo $6,590/mo $8,340/mo $287,900 1
Brookneal Campbell $4,340/mo $5,290/mo $6,710/mo $199,200 1
Buena Vista Buena Vista City $4,520/mo $5,510/mo $6,980/mo $153,500 1
Burke Fairfax $9,720/mo $11,860/mo $15,020/mo $677,400 1
Chase City Mecklenburg $4,340/mo $5,290/mo $6,710/mo $169,400 1
Chatham Pittsylvania $4,340/mo $5,290/mo $6,710/mo $153,000 1
Chilhowie Smyth $4,340/mo $5,290/mo $6,710/mo $125,800 1
Clarksville Mecklenburg $4,340/mo $5,290/mo $6,710/mo $169,400 1
Clintwood Dickenson $4,340/mo $5,290/mo $6,710/mo $101,100 1
Colonial Beach Westmoreland $4,470/mo $5,450/mo $6,910/mo $244,000 1
Colonial Heights Colonial Heights City $5,430/mo $6,620/mo $8,390/mo $231,700 1
Courtland Southampton $4,570/mo $5,580/mo $7,060/mo $208,800 1
Dillwyn Buckingham $4,340/mo $5,290/mo $6,710/mo $167,800 1
Dublin Pulaski $4,340/mo $5,290/mo $6,710/mo $182,500 1

Virginia Senior Care FAQ (2026)

The statewide average for assisted living in Virginia is $7,170 per month ($86,040 per year), compared to the U.S. national median of $6,200 per month.
In Virginia, a semi-private room in a CMS-certified nursing home averages $11,080 per month, while a private room averages $12,490 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Virginia is $2,901 per month.