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 Wisconsin

Compare monthly care rates across 753 cities and 323 CMS-certified nursing facilities in Wisconsin.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 323 Avg. Home Value: $224,611
Assisted Living🏠
$5,090/mo
$61,080/year
-18% vs U.S. avg
Memory Care🧠
$6,210/mo
$74,520/year
-18% vs U.S. avg
Home Care (44h/wk)🤝
$5,480/mo
$28.75 per hour
-18% vs U.S. avg
Nursing Home (Semi)🏥
$7,870/mo
Private room: $8,870/mo
-18% 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$5,090/mo
Memory Care$6,210/mo
Home Care$28.75/hr
Nursing Semi$7,870/mo
Nursing Priv$8,870/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $209k
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 Wisconsin

40.9 hrs/wk Break-even threshold

At Wisconsin's average caregiver rate of $28.75/hr, hiring in-home care equals the $5,090/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
$2,491/mo

Saves $2,599/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,481 vs. $5,090/mo

Full-time home care costs $391/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,966/mo

Assisted Living saves $4,876/mo; Memory Care averages $6,210/mo.

Major Cities in Wisconsin

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
Milwaukee Milwaukee $4,750/mo $5,800/mo $7,350/mo $216,500 17
Madison Dane $6,280/mo $7,660/mo $9,710/mo $366,100 7
Fond Du Lac Fond Du Lac $4,700/mo $5,730/mo $7,270/mo $209,800 6
Green Bay Brown $4,960/mo $6,050/mo $7,660/mo $245,900 6
Kenosha Kenosha $5,560/mo $6,780/mo $8,590/mo $247,800 6
Sheboygan Sheboygan $4,560/mo $5,560/mo $7,050/mo $218,400 6
Appleton Outagamie $5,190/mo $6,330/mo $8,020/mo $244,100 5
Janesville Rock $4,990/mo $6,090/mo $7,710/mo $215,900 5
Manitowoc Manitowoc $4,340/mo $5,290/mo $6,710/mo $172,900 5
Oshkosh Winnebago $4,690/mo $5,720/mo $7,240/mo $208,600 5
Brookfield Waukesha $6,640/mo $8,100/mo $10,270/mo $373,600 4
La Crosse La Crosse $4,890/mo $5,970/mo $7,560/mo $243,200 4
Menomonie Dunn $4,700/mo $5,730/mo $7,270/mo $226,200 4
Waukesha Waukesha $6,640/mo $8,100/mo $10,270/mo $373,600 4
Wausau Marathon $4,860/mo $5,930/mo $7,510/mo $205,500 4
Chippewa Falls Chippewa $4,830/mo $5,890/mo $7,460/mo $237,700 3
Marshfield Wood $4,340/mo $5,290/mo $6,710/mo $168,100 3
Racine $5,090/mo $6,210/mo $7,870/mo $252,319 3
Shawano Shawano $4,340/mo $5,290/mo $6,710/mo $179,100 3
Superior Douglas $4,620/mo $5,640/mo $7,140/mo $190,400 3
Altoona Eau Claire $4,800/mo $5,860/mo $7,420/mo $242,400 2
Amery Polk $4,880/mo $5,950/mo $7,540/mo $241,200 2
Ashland Ashland $4,340/mo $5,290/mo $6,710/mo $160,500 2
Beaver Dam Dodge $4,830/mo $5,890/mo $7,460/mo $218,400 2
Beloit Rock $4,990/mo $6,090/mo $7,710/mo $215,900 2
Black River Falls Jackson $4,340/mo $5,290/mo $6,710/mo $186,900 2
Bloomer Chippewa $4,830/mo $5,890/mo $7,460/mo $237,700 2
Cedarburg Ozaukee $5,910/mo $7,210/mo $9,140/mo $368,900 2
Clintonville Waupaca $4,400/mo $5,370/mo $6,790/mo $192,800 2
Eau Claire Eau Claire $4,800/mo $5,860/mo $7,420/mo $242,400 2
Elkhorn Walworth $5,270/mo $6,430/mo $8,140/mo $275,900 2
Hayward Sawyer $4,340/mo $5,290/mo $6,710/mo $223,300 2
Hurley Iron $4,340/mo $5,290/mo $6,710/mo $155,200 2
Juneau Dodge $4,830/mo $5,890/mo $7,460/mo $218,400 2
King Waupaca $4,400/mo $5,370/mo $6,790/mo $192,800 2
Ladysmith Rusk $4,340/mo $5,290/mo $6,710/mo $152,000 2
Lake Geneva Walworth $5,270/mo $6,430/mo $8,140/mo $275,900 2
Lancaster Grant $4,340/mo $5,290/mo $6,710/mo $186,300 2
Menomonee Falls Waukesha $6,640/mo $8,100/mo $10,270/mo $373,600 2
Monroe Green $4,710/mo $5,750/mo $7,290/mo $236,900 2
Muskego Waukesha $6,640/mo $8,100/mo $10,270/mo $373,600 2
New Holstein Calumet $5,350/mo $6,530/mo $8,260/mo $252,100 2
New Richmond Saint Croix $5,090/mo $6,210/mo $7,870/mo $252,319 2
Oconomowoc Waukesha $6,640/mo $8,100/mo $10,270/mo $373,600 2
Peshtigo Marinette $4,340/mo $5,290/mo $6,710/mo $154,600 2
Plymouth Sheboygan $4,560/mo $5,560/mo $7,050/mo $218,400 2
Reedsburg Sauk $4,960/mo $6,050/mo $7,660/mo $242,400 2
Rhinelander Oneida $4,440/mo $5,420/mo $6,860/mo $227,500 2
Rice Lake Barron $4,340/mo $5,290/mo $6,710/mo $198,300 2
Richland Center Richland $4,340/mo $5,290/mo $6,710/mo $182,800 2
South Milwaukee Milwaukee $4,750/mo $5,800/mo $7,350/mo $216,500 2
Sparta Monroe $4,540/mo $5,540/mo $7,010/mo $197,200 2
Stevens Point Portage $4,640/mo $5,660/mo $7,180/mo $230,400 2
Stoughton Dane $6,280/mo $7,660/mo $9,710/mo $366,100 2
Sturgeon Bay Door $4,850/mo $5,920/mo $7,490/mo $305,800 2
Sun Prairie Dane $6,280/mo $7,660/mo $9,710/mo $366,100 2
Tomahawk Lincoln $4,340/mo $5,290/mo $6,710/mo $177,700 2
Union Grove Racine $5,010/mo $6,110/mo $7,750/mo $239,400 2
Verona Dane $6,280/mo $7,660/mo $9,710/mo $366,100 2
Watertown Dodge $4,830/mo $5,890/mo $7,460/mo $218,400 2
West Bend Washington $5,930/mo $7,230/mo $9,160/mo $316,200 2
West Salem La Crosse $4,890/mo $5,970/mo $7,560/mo $243,200 2
Wisconsin Rapids Wood $4,340/mo $5,290/mo $6,710/mo $168,100 2
Abbotsford Clark $4,340/mo $5,290/mo $6,710/mo $163,800 1
Algoma Kewaunee $4,680/mo $5,710/mo $7,230/mo $208,900 1
Antigo Langlade $4,340/mo $5,290/mo $6,710/mo $145,800 1
Augusta Eau Claire $4,800/mo $5,860/mo $7,420/mo $242,400 1
Baldwin Saint Croix $5,090/mo $6,210/mo $7,870/mo $252,319 1
Baraboo Sauk $4,960/mo $6,050/mo $7,660/mo $242,400 1
Barron Barron $4,340/mo $5,290/mo $6,710/mo $198,300 1
Berlin Green Lake $4,340/mo $5,290/mo $6,710/mo $206,300 1
Blair Trempealeau $4,540/mo $5,540/mo $7,020/mo $203,300 1
Boscobel Grant $4,340/mo $5,290/mo $6,710/mo $186,300 1
Burlington Racine $5,010/mo $6,110/mo $7,750/mo $239,400 1
Chetek Barron $4,340/mo $5,290/mo $6,710/mo $198,300 1
Clinton Rock $4,990/mo $6,090/mo $7,710/mo $215,900 1
Colby Clark $4,340/mo $5,290/mo $6,710/mo $163,800 1
Columbus Columbia $4,990/mo $6,090/mo $7,720/mo $258,700 1
Cornell Chippewa $4,830/mo $5,890/mo $7,460/mo $237,700 1
Crivitz Marinette $4,340/mo $5,290/mo $6,710/mo $154,600 1

Wisconsin Senior Care FAQ (2026)

The statewide average for assisted living in Wisconsin is $5,090 per month ($61,080 per year), compared to the U.S. national median of $6,200 per month.
In Wisconsin, a semi-private room in a CMS-certified nursing home averages $7,870 per month, while a private room averages $8,870 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Wisconsin is $2,901 per month.