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 Washington

Compare monthly care rates across 493 cities and 193 CMS-certified nursing facilities in Washington.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 193 Avg. Home Value: $422,716
Assisted Living🏠
$7,370/mo
$88,440/year
+19% vs U.S. avg
Memory Care🧠
$8,990/mo
$107,880/year
+19% vs U.S. avg
Home Care (44h/wk)🤝
$7,940/mo
$41.63 per hour
+19% vs U.S. avg
Nursing Home (Semi)🏥
$11,390/mo
Private room: $12,840/mo
+19% 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$7,370/mo
Memory Care$8,990/mo
Home Care$41.63/hr
Nursing Semi$11,390/mo
Nursing Priv$12,840/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $393k
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 Washington

40.9 hrs/wk Break-even threshold

At Washington's average caregiver rate of $41.63/hr, hiring in-home care equals the $7,370/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
$3,608/mo

Saves $3,762/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$7,937 vs. $7,370/mo

Full-time home care costs $567/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$14,431/mo

Assisted Living saves $7,061/mo; Memory Care averages $8,990/mo.

Major Cities in Washington

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
Seattle King $9,170/mo $11,190/mo $14,170/mo $811,200 19
Spokane Spokane $5,450/mo $6,650/mo $8,420/mo $370,500 13
Tacoma Pierce $7,550/mo $9,210/mo $11,670/mo $484,400 11
Bellingham Whatcom $6,390/mo $7,800/mo $9,870/mo $536,100 6
Everett Snohomish $8,280/mo $10,100/mo $12,800/mo $644,600 6
Vancouver Clark $7,360/mo $8,980/mo $11,370/mo $487,900 6
Yakima Yakima $4,930/mo $6,010/mo $7,620/mo $281,100 6
Puyallup Pierce $7,550/mo $9,210/mo $11,670/mo $484,400 5
Auburn King $9,170/mo $11,190/mo $14,170/mo $811,200 4
Federal Way King $9,170/mo $11,190/mo $14,170/mo $811,200 4
Olympia Thurston $7,240/mo $8,830/mo $11,180/mo $451,500 4
Bremerton Kitsap $7,660/mo $9,350/mo $11,840/mo $505,700 3
Centralia Lewis $4,920/mo $6,000/mo $7,600/mo $341,500 3
Gig Harbor Pierce $7,550/mo $9,210/mo $11,670/mo $484,400 3
Issaquah King $9,170/mo $11,190/mo $14,170/mo $811,200 3
Lacey Thurston $7,240/mo $8,830/mo $11,180/mo $451,500 3
Longview Cowlitz $5,350/mo $6,530/mo $8,270/mo $367,400 3
Renton King $9,170/mo $11,190/mo $14,170/mo $811,200 3
Walla Walla Walla Walla $5,180/mo $6,320/mo $8,000/mo $375,600 3
Colville Stevens $4,360/mo $5,320/mo $6,740/mo $308,000 2
Edmonds Snohomish $8,280/mo $10,100/mo $12,800/mo $644,600 2
Kennewick Benton $6,020/mo $7,340/mo $9,300/mo $369,400 2
Lynnwood Snohomish $8,280/mo $10,100/mo $12,800/mo $644,600 2
Marysville Snohomish $8,280/mo $10,100/mo $12,800/mo $644,600 2
Moses Lake Grant $5,000/mo $6,100/mo $7,720/mo $275,700 2
Mount Vernon Skagit $6,460/mo $7,880/mo $9,980/mo $486,200 2
Port Orchard Kitsap $7,660/mo $9,350/mo $11,840/mo $505,700 2
Redmond King $9,170/mo $11,190/mo $14,170/mo $811,200 2
Richland Benton $6,020/mo $7,340/mo $9,300/mo $369,400 2
Sequim Clallam $5,040/mo $6,150/mo $7,790/mo $385,600 2
Shelton Mason $5,610/mo $6,840/mo $8,670/mo $377,400 2
Wenatchee Chelan $5,550/mo $6,770/mo $8,570/mo $454,900 2
Aberdeen Grays Harbor $4,660/mo $5,690/mo $7,200/mo $279,500 1
Anacortes Skagit $6,460/mo $7,880/mo $9,980/mo $486,200 1
Arlington Snohomish $8,280/mo $10,100/mo $12,800/mo $644,600 1
Bainbridge Island Kitsap $7,660/mo $9,350/mo $11,840/mo $505,700 1
Battle Ground Clark $7,360/mo $8,980/mo $11,370/mo $487,900 1
Bellevue King $9,170/mo $11,190/mo $14,170/mo $811,200 1
Blaine Whatcom $6,390/mo $7,800/mo $9,870/mo $536,100 1
Bothell King $9,170/mo $11,190/mo $14,170/mo $811,200 1
Brewster Okanogan $4,340/mo $5,290/mo $6,710/mo $284,200 1
Camas Clark $7,360/mo $8,980/mo $11,370/mo $487,900 1
Cashmere Chelan $5,550/mo $6,770/mo $8,570/mo $454,900 1
Cheney Spokane $5,450/mo $6,650/mo $8,420/mo $370,500 1
Clarkston Asotin $4,760/mo $5,810/mo $7,360/mo $286,200 1
Colfax Whitman $4,340/mo $5,290/mo $6,710/mo $323,300 1
College Place Walla Walla $5,180/mo $6,320/mo $8,000/mo $375,600 1
Coupeville Island $7,060/mo $8,610/mo $10,910/mo $535,300 1
Ellensburg Kittitas $5,490/mo $6,700/mo $8,480/mo $459,900 1
Enumclaw King $9,170/mo $11,190/mo $14,170/mo $811,200 1
Ephrata Grant $5,000/mo $6,100/mo $7,720/mo $275,700 1
Hoquiam Grays Harbor $4,660/mo $5,690/mo $7,200/mo $279,500 1
Kent King $9,170/mo $11,190/mo $14,170/mo $811,200 1
Kirkland King $9,170/mo $11,190/mo $14,170/mo $811,200 1
Lynden Whatcom $6,390/mo $7,800/mo $9,870/mo $536,100 1
Medical Lake Spokane $5,450/mo $6,650/mo $8,420/mo $370,500 1
Mercer Island King $9,170/mo $11,190/mo $14,170/mo $811,200 1
Monroe Snohomish $8,280/mo $10,100/mo $12,800/mo $644,600 1
Montesano Grays Harbor $4,660/mo $5,690/mo $7,200/mo $279,500 1
Nespelem Okanogan $4,340/mo $5,290/mo $6,710/mo $284,200 1
North Bend King $9,170/mo $11,190/mo $14,170/mo $811,200 1
Omak Okanogan $4,340/mo $5,290/mo $6,710/mo $284,200 1
Orting Pierce $7,550/mo $9,210/mo $11,670/mo $484,400 1
Othello Adams $4,390/mo $5,360/mo $6,780/mo $251,300 1
Pasco Franklin $5,650/mo $6,890/mo $8,730/mo $345,700 1
Port Angeles Clallam $5,040/mo $6,150/mo $7,790/mo $385,600 1
Port Townsend Jefferson $5,620/mo $6,860/mo $8,690/mo $495,100 1
Poulsbo Kitsap $7,660/mo $9,350/mo $11,840/mo $505,700 1
Pullman Whitman $4,340/mo $5,290/mo $6,710/mo $323,300 1
Raymond Pacific $4,470/mo $5,450/mo $6,910/mo $274,000 1
Sedro Woolley Skagit $6,460/mo $7,880/mo $9,980/mo $486,200 1
Selah Yakima $4,930/mo $6,010/mo $7,620/mo $281,100 1
Silverdale Kitsap $7,660/mo $9,350/mo $11,840/mo $505,700 1
Snohomish Snohomish $8,280/mo $10,100/mo $12,800/mo $644,600 1
Soap Lake Grant $5,000/mo $6,100/mo $7,720/mo $275,700 1
Stanwood Snohomish $8,280/mo $10,100/mo $12,800/mo $644,600 1
Sunnyside Yakima $4,930/mo $6,010/mo $7,620/mo $281,100 1
Tonasket Okanogan $4,340/mo $5,290/mo $6,710/mo $284,200 1
Toppenish Yakima $4,930/mo $6,010/mo $7,620/mo $281,100 1
University Place Pierce $7,550/mo $9,210/mo $11,670/mo $484,400 1

Washington Senior Care FAQ (2026)

The statewide average for assisted living in Washington is $7,370 per month ($88,440 per year), compared to the U.S. national median of $6,200 per month.
In Washington, a semi-private room in a CMS-certified nursing home averages $11,390 per month, while a private room averages $12,840 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Washington is $2,901 per month.