Full Cost Comparison Calculator: Every Care Option, Side by Side

Not just one alternative — the real 2026 cost of every level of care, compared over your own timeline.

Option	Monthly	Total (3 yrs)
Independent Living	—	—
In-Home Care	—	—
Assisted Living	—	—
Skilled Nursing	—	—
Memory Care	—	—

Where these numbers come from

These are 2026 national medians: independent living ~$3,200/month, assisted living ~$5,419/month, skilled nursing ~$6,514/month, memory care ~$6,690–$8,019/month, and in-home care at ~$34/hour. In-home care here is calculated using the hours-per-day you select — actual costs also depend on agency minimums and whether care is scheduled or live-in.

Costs vary significantly by region — the same level of care can cost two to three times more in an expensive metro area than in a lower-cost state. Use this as a starting comparison, then get local pricing for your specific area.

Frequently Asked Questions

Why is in-home care sometimes more expensive than assisted living here?

Because in-home care is priced hourly. At a high number of hours per day, the monthly total can exceed assisted living's flat rate — this is the actual crossover point worth watching for in a real decision.

Does this include one-time costs like home modifications or move-in fees?

No, this compares ongoing monthly costs only. See the Family Decision Guide for one-time modification costs and community move-in fees, which can add a meaningful amount on top of these monthly figures.

Are these figures the same in every state?

No — these are national medians. Actual costs for the same care level can vary two to three times between the least and most expensive states.

This calculator provides general estimates based on 2026 national medians and is not financial or medical advice. Actual costs vary significantly by region and individual circumstances.

Every option, side by side

Where these numbers come from

Frequently Asked Questions