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
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Home › Washington › Richland, WA

Senior Care & Assisted Living Costs in Richland, WA

2026 monthly care rates for Richland (Benton County), local Census affordability metrics, and 2 CMS-certified care facilities.

Assisted Living🏠
$6,020/mo
$72,240/yr
-3% vs U.S. avg
Memory Care🧠
$7,340/mo
$88,080/yr
-3% vs U.S. avg
In-Home Care🤝
$33.97/hr
$6,480/mo (44h/wk)
-3% vs U.S. avg
Nursing Home (Semi)🏥
$9,300/mo
Private: $10,480/mo
-3% 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$6,020/mo
Memory Care$7,340/mo
Home Care$33.97/hr
Nursing Semi$9,300/mo
Nursing Priv$10,480/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $344k
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 Richland, WA

40.9 hrs/wk Break-even threshold

At Richland, WA's average caregiver rate of $33.97/hr, hiring in-home care equals the $6,020/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
$2,944/mo

Saves $3,076/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,476 vs. $6,020/mo

Full-time home care costs $456/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$11,775/mo

Assisted Living saves $5,755/mo; Memory Care averages $7,340/mo.

Richland vs. Washington & U.S. Averages

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

Richland, WA$6,020/mo
Washington State Average$7,370/mo
U.S. National Median$6,200/mo

Benton County Economic Context (U.S. Census)

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

Median Household Income $87,316/yr ($7,276/mo)
Median Home Value $369,400
Median Gross Rent $1,256/mo
Washington Medicaid Limit (2026) $2,901/mo

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

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

Richland Post Acute
1745 Pike Avenue, Richland, WA 99354 • 5099468095
71 Certified Beds For profit - Limited Liability company CCN: 505514
5/5 CMS Rating
Life Care Center Of Richland
44 Goethals Drive, Richland, WA 99352 • 5099431117
104 Certified Beds For profit - Corporation CCN: 505070
3/5 CMS Rating

Frequently Asked Questions About Senior Care in Richland

The estimated median cost of assisted living in Richland, WA is $6,020 per month ($72,240 per year), adjusted for Benton County housing and income data.
A semi-private room in a skilled nursing facility in Richland averages $9,300 per month, while a private room averages $10,480 per month.
In-home caregiver services in Richland, WA average $33.97 per hour, or roughly $6,480 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

West Richland, WA $6,020/mo Kennewick, WA $6,020/mo Pasco, WA $5,650/mo Benton City, WA $6,020/mo Eltopia, WA $5,650/mo Burbank, WA $5,180/mo Plymouth, WA $6,020/mo Mesa, WA $5,650/mo Wallula, WA $5,180/mo Prosser, WA $6,020/mo Othello, WA $4,390/mo Paterson, WA $6,020/mo