2026 Cost Guide · 38 Cities
Assisted Living Cost by City
Monthly assisted living costs range from $2,400 in smaller markets to $11,000+ in San Francisco and New York City. Select a city below for a full breakdown including room types, Medicaid coverage, and affordable alternatives.
The national average for assisted living is approximately $4,500/month in 2026.
Assisted Living Cost by State
Get a statewide overview including Medicaid coverage, all tracked cities, and cost factors for each state.
Arizona
$3,800/mo
Medicaid: partial
Arkansas
$2,900/mo
Medicaid: partial
California
$5,250/mo
Medicaid: partial
Colorado
$4,500/mo
Medicaid: partial
Florida
$3,750/mo
Medicaid: partial
Georgia
$3,200/mo
Medicaid: partial
Illinois
$4,200/mo
Medicaid: partial
Indiana
$3,800/mo
Medicaid: limited
Kentucky
$3,500/mo
Medicaid: partial
Michigan
$3,600/mo
Medicaid: partial
Minnesota
$4,200/mo
Medicaid: partial
Missouri
$3,600/mo
Medicaid: partial
Nevada
$3,900/mo
Medicaid: limited
New York
$5,500/mo
Medicaid: partial
North Carolina
$3,500/mo
Medicaid: partial
Ohio
$3,500/mo
Medicaid: partial
Oregon
$4,600/mo
Medicaid: partial
Pennsylvania
$4,000/mo
Medicaid: partial
Tennessee
$4,500/mo
Medicaid: limited
Texas
$4,000/mo
Medicaid: partial
Washington
$5,800/mo
Medicaid: partial
All Cities
Atlanta
Georgia
$4,000/mo
avg assisted living · 2026
Aurora
Colorado
$4,200/mo
avg assisted living · 2026
Austin
Texas
$4,800/mo
avg assisted living · 2026
Charlotte
North Carolina
$3,600/mo
avg assisted living · 2026
Chicago
Illinois
$4,800/mo
avg assisted living · 2026
Cleveland
Ohio
$3,500/mo
avg assisted living · 2026
Columbus
Ohio
$3,800/mo
avg assisted living · 2026
Dallas
Texas
$4,200/mo
avg assisted living · 2026
Denver
Colorado
$4,500/mo
avg assisted living · 2026
Fayetteville
North Carolina
$3,000/mo
avg assisted living · 2026
Fort Worth
Texas
$3,800/mo
avg assisted living · 2026
Houston
Texas
$4,000/mo
avg assisted living · 2026
Indianapolis
Indiana
$3,800/mo
avg assisted living · 2026
Jacksonville
Florida
$3,400/mo
avg assisted living · 2026
Kansas City
Missouri
$3,600/mo
avg assisted living · 2026
Knoxville
Tennessee
$3,400/mo
avg assisted living · 2026
Lansing
Michigan
$3,400/mo
avg assisted living · 2026
Las Vegas
Nevada
$3,500/mo
avg assisted living · 2026
Little Rock
Arkansas
$2,900/mo
avg assisted living · 2026
Los Angeles
California
$5,500/mo
avg assisted living · 2026
Louisville
Kentucky
$3,500/mo
avg assisted living · 2026
Miami
Florida
$4,200/mo
avg assisted living · 2026
Minneapolis
Minnesota
$4,200/mo
avg assisted living · 2026
Nashville
Tennessee
$4,500/mo
avg assisted living · 2026
New York City
New York
$6,800/mo
avg assisted living · 2026
Orlando
Florida
$3,600/mo
avg assisted living · 2026
Philadelphia
Pennsylvania
$4,500/mo
avg assisted living · 2026
Phoenix
Arizona
$3,800/mo
avg assisted living · 2026
Pittsburgh
Pennsylvania
$4,000/mo
avg assisted living · 2026
Portland
Oregon
$4,600/mo
avg assisted living · 2026
Reno
Nevada
$3,300/mo
avg assisted living · 2026
Sacramento
California
$4,800/mo
avg assisted living · 2026
San Antonio
Texas
$3,600/mo
avg assisted living · 2026
San Diego
California
$5,200/mo
avg assisted living · 2026
San Francisco
California
$6,500/mo
avg assisted living · 2026
Seattle
Washington
$5,800/mo
avg assisted living · 2026
Tampa
Florida
$3,800/mo
avg assisted living · 2026
Tucson
Arizona
$3,200/mo
avg assisted living · 2026
2026 Assisted Living Cost Comparison Table
| City | State | Monthly Avg | Memory Care | vs National |
|---|---|---|---|---|
| Little Rock | Arkansas | $2,900 | $4,000 | -36% |
| Fayetteville | North Carolina | $3,000 | $4,200 | -33% |
| Tucson | Arizona | $3,200 | $4,600 | -29% |
| Reno | Nevada | $3,300 | $4,700 | -27% |
| Jacksonville | Florida | $3,400 | $4,800 | -24% |
| Knoxville | Tennessee | $3,400 | $4,800 | -24% |
| Lansing | Michigan | $3,400 | $4,800 | -24% |
| Cleveland | Ohio | $3,500 | $4,900 | -22% |
| Las Vegas | Nevada | $3,500 | $5,000 | -22% |
| Louisville | Kentucky | $3,500 | $4,900 | -22% |
| Charlotte | North Carolina | $3,600 | $5,000 | -20% |
| Kansas City | Missouri | $3,600 | $5,000 | -20% |
| Orlando | Florida | $3,600 | $4,900 | -20% |
| San Antonio | Texas | $3,600 | $4,800 | -20% |
| Columbus | Ohio | $3,800 | $5,100 | -16% |
| Fort Worth | Texas | $3,800 | $5,200 | -16% |
| Indianapolis | Indiana | $3,800 | $5,200 | -16% |
| Phoenix | Arizona | $3,800 | $5,200 | -16% |
| Tampa | Florida | $3,800 | $5,100 | -16% |
| Atlanta | Georgia | $4,000 | $5,500 | -11% |
| Houston | Texas | $4,000 | $5,400 | -11% |
| Pittsburgh | Pennsylvania | $4,000 | $5,500 | -11% |
| Aurora | Colorado | $4,200 | $5,800 | -7% |
| Dallas | Texas | $4,200 | $5,600 | -7% |
| Miami | Florida | $4,200 | $5,800 | -7% |
| Minneapolis | Minnesota | $4,200 | $5,700 | -7% |
| Denver | Colorado | $4,500 | $6,000 | 0% |
| Nashville | Tennessee | $4,500 | $6,000 | 0% |
| Philadelphia | Pennsylvania | $4,500 | $6,000 | 0% |
| Portland | Oregon | $4,600 | $6,200 | +2% |
| Austin | Texas | $4,800 | $6,200 | +7% |
| Chicago | Illinois | $4,800 | $6,500 | +7% |
| Sacramento | California | $4,800 | $6,400 | +7% |
| San Diego | California | $5,200 | $7,000 | +16% |
| Los Angeles | California | $5,500 | $7,200 | +22% |
| Seattle | Washington | $5,800 | $7,500 | +29% |
| San Francisco | California | $6,500 | $8,500 | +44% |
| New York City | New York | $6,800 | $8,800 | +51% |
Sorted lowest to highest. National average: $4,500/month. Data year: 2026.
What Does Assisted Living Cost Cover?
Typically included
- Room and board (shared or private)
- 3 meals per day + snacks
- Personal care assistance (bathing, dressing, medication management)
- Housekeeping and laundry
- Social and recreational programming
- 24-hour staff availability
- Emergency call system
- Basic utilities (heat, electricity, water)
Usually extra cost
- Memory care / locked unit
- Physical therapy or occupational therapy
- Skilled nursing care or wound care
- Incontinence supplies
- Specialized dietary preparations
- Transportation (personal appointments)
- Telephone and cable TV
- Personal spending money
How Families Pay for Assisted Living
Private pay (most common)
Out-of-pocket savings, retirement accounts (IRA, 401k), pension income, Social Security, or family contribution. Most families start private pay.
Medicaid waivers
In states that cover it, Medicaid's HCBS waivers can cover most or all assisted living costs. Eligibility is income/asset-based. See each city page for state-specific details.
VA Aid & Attendance
Wartime veterans and surviving spouses may qualify for up to $2,795–$4,435/month toward assisted living through the VA Pension benefit.
Check VA eligibility →Long-term care insurance
Policies purchased before care was needed can pay $100–$300+/day toward assisted living. Increasingly rare for new buyers due to premium costs.
Life insurance conversion
Life settlement or accelerated death benefit riders on life insurance can convert policy value into immediate care funds.
Home sale / reverse mortgage
Proceeds from selling the family home or a reverse mortgage (for those still at home) can fund 5–10+ years of assisted living in lower-cost markets.
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