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
🔍
Home › Washington › Centralia, WA

Senior Care & Assisted Living Costs in Centralia, WA

2026 monthly care rates for Centralia (Lewis County), local Census affordability metrics, and 3 CMS-certified care facilities.

Assisted Living🏠
$4,920/mo
$59,040/yr
-21% vs U.S. avg
Memory Care🧠
$6,000/mo
$72,000/yr
-21% vs U.S. avg
In-Home Care🤝
$27.75/hr
$5,290/mo (44h/wk)
-21% vs U.S. avg
Nursing Home (Semi)🏥
$7,600/mo
Private: $8,560/mo
-21% 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$4,920/mo
Memory Care$6,000/mo
Home Care$27.75/hr
Nursing Semi$7,600/mo
Nursing Priv$8,560/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $318k
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 Centralia, WA

40.9 hrs/wk Break-even threshold

At Centralia, WA's average caregiver rate of $27.75/hr, hiring in-home care equals the $4,920/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
$2,405/mo

Saves $2,515/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,291 vs. $4,920/mo

Full-time home care costs $371/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,619/mo

Assisted Living saves $4,699/mo; Memory Care averages $6,000/mo.

Centralia vs. Washington & U.S. Averages

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

Centralia, WA$4,920/mo
Washington State Average$7,370/mo
U.S. National Median$6,200/mo

Lewis County Economic Context (U.S. Census)

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

Median Household Income $69,690/yr ($5,808/mo)
Median Home Value $341,500
Median Gross Rent $1,044/mo
Washington Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Centralia, WA

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

Three Rivers Care
1305 Alexander St, Centralia, WA 98531 • 3607549792
83 Certified Beds For profit - Limited Liability company CCN: 505536
5/5 CMS Rating
South Creek Post Acute
917 South Scheuber Road, Centralia, WA 98531 • 3607369384
128 Certified Beds For profit - Limited Liability company CCN: 505373
4/5 CMS Rating
Sharon Care Center
1509 Harrison Avenue, Centralia, WA 98531 • 3607360112
42 Certified Beds For profit - Partnership CCN: 505429
3/5 CMS Rating

Frequently Asked Questions About Senior Care in Centralia

The estimated median cost of assisted living in Centralia, WA is $4,920 per month ($59,040 per year), adjusted for Lewis County housing and income data.
A semi-private room in a skilled nursing facility in Centralia averages $7,600 per month, while a private room averages $8,560 per month.
In-home caregiver services in Centralia, WA average $27.75 per hour, or roughly $5,290 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in Washington is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby Washington Cities

Galvin, WA $4,920/mo Chehalis, WA $4,920/mo Rochester, WA $7,240/mo Bucoda, WA $7,240/mo Adna, WA $4,920/mo Napavine, WA $4,920/mo Tenino, WA $7,240/mo Littlerock, WA $7,240/mo Winlock, WA $4,920/mo Tumwater, WA $7,240/mo Curtis, WA $4,920/mo Ethel, WA $4,920/mo