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 Mississippi

Compare monthly care rates across 440 cities and 202 CMS-certified nursing facilities in Mississippi.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 202 Avg. Home Value: $129,538
Assisted Living🏠
$4,650/mo
$55,800/year
-25% vs U.S. avg
Memory Care🧠
$5,670/mo
$68,040/year
-25% vs U.S. avg
Home Care (44h/wk)🤝
$5,000/mo
$26.25 per hour
-25% vs U.S. avg
Nursing Home (Semi)🏥
$7,190/mo
Private room: $8,100/mo
-25% 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$4,650/mo
Memory Care$5,670/mo
Home Care$26.25/hr
Nursing Semi$7,190/mo
Nursing Priv$8,100/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $120k
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 Mississippi

40.9 hrs/wk Break-even threshold

At Mississippi's average caregiver rate of $26.25/hr, hiring in-home care equals the $4,650/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
$2,275/mo

Saves $2,375/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,005 vs. $4,650/mo

Full-time home care costs $355/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$9,099/mo

Assisted Living saves $4,449/mo; Memory Care averages $5,670/mo.

Major Cities in Mississippi

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
Jackson Hinds $4,340/mo $5,290/mo $6,710/mo $151,200 8
Meridian Lauderdale $4,340/mo $5,290/mo $6,710/mo $124,500 8
Hattiesburg Forrest $4,340/mo $5,290/mo $6,710/mo $152,900 7
Greenville Washington $4,340/mo $5,290/mo $6,710/mo $99,300 5
Brookhaven Lincoln $4,340/mo $5,290/mo $6,710/mo $131,800 4
Columbus Lowndes $4,340/mo $5,290/mo $6,710/mo $157,400 4
Gulfport Harrison $4,620/mo $5,640/mo $7,140/mo $199,300 4
Vicksburg Warren $4,340/mo $5,290/mo $6,710/mo $144,400 4
Brandon Rankin $5,600/mo $6,830/mo $8,650/mo $223,400 3
Cleveland Bolivar $4,340/mo $5,290/mo $6,710/mo $123,600 3
Columbia Marion $4,340/mo $5,290/mo $6,710/mo $117,000 3
Greenwood Leflore $4,340/mo $5,290/mo $6,710/mo $98,200 3
Laurel Jones $4,340/mo $5,290/mo $6,710/mo $126,800 3
Mccomb Pike $4,340/mo $5,290/mo $6,710/mo $110,500 3
Natchez Adams $4,340/mo $5,290/mo $6,710/mo $106,300 3
Pontotoc Pontotoc $4,340/mo $5,290/mo $6,710/mo $141,700 3
Ripley Tippah $4,340/mo $5,290/mo $6,710/mo $128,400 3
Tupelo Lee $4,530/mo $5,530/mo $7,000/mo $187,800 3
Whitfield Rankin $5,600/mo $6,830/mo $8,650/mo $223,400 3
Amory Monroe $4,340/mo $5,290/mo $6,710/mo $115,200 2
Booneville Prentiss $4,340/mo $5,290/mo $6,710/mo $116,500 2
Byram Hinds $4,340/mo $5,290/mo $6,710/mo $151,200 2
Canton Madison $5,330/mo $6,500/mo $8,240/mo $286,300 2
Carthage Leake $4,340/mo $5,290/mo $6,710/mo $114,600 2
Clarksdale Coahoma $4,340/mo $5,290/mo $6,710/mo $86,400 2
Clinton Hinds $4,340/mo $5,290/mo $6,710/mo $151,200 2
Collins Covington $4,340/mo $5,290/mo $6,710/mo $98,500 2
Corinth Alcorn $4,340/mo $5,290/mo $6,710/mo $132,300 2
Eupora Webster $4,340/mo $5,290/mo $6,710/mo $109,500 2
Fulton Itawamba $4,340/mo $5,290/mo $6,710/mo $122,400 2
Grenada Grenada $4,340/mo $5,290/mo $6,710/mo $123,400 2
Iuka Tishomingo $4,340/mo $5,290/mo $6,710/mo $132,500 2
Leakesville Greene $4,340/mo $5,290/mo $6,710/mo $94,200 2
Louisville Winston $4,340/mo $5,290/mo $6,710/mo $121,200 2
Lucedale George $4,340/mo $5,290/mo $6,710/mo $168,100 2
Madison Madison $5,330/mo $6,500/mo $8,240/mo $286,300 2
New Albany Union $4,340/mo $5,290/mo $6,710/mo $159,100 2
Ocean Springs Jackson $4,880/mo $5,950/mo $7,540/mo $181,700 2
Pascagoula Jackson $4,880/mo $5,950/mo $7,540/mo $181,700 2
Picayune Pearl River $4,340/mo $5,290/mo $6,710/mo $174,500 2
Ruleville Sunflower $4,340/mo $5,290/mo $6,710/mo $103,400 2
Southaven Desoto $6,120/mo $7,470/mo $9,450/mo $248,700 2
Starkville Oktibbeha $4,340/mo $5,290/mo $6,710/mo $219,500 2
Tylertown Walthall $4,340/mo $5,290/mo $6,710/mo $120,600 2
Union Neshoba $4,340/mo $5,290/mo $6,710/mo $96,600 2
West Point Clay $4,340/mo $5,290/mo $6,710/mo $115,600 2
Wiggins Stone $4,340/mo $5,290/mo $6,710/mo $163,300 2
Yazoo City Yazoo $4,340/mo $5,290/mo $6,710/mo $129,200 2
Aberdeen Monroe $4,340/mo $5,290/mo $6,710/mo $115,200 1
Ackerman Choctaw $4,340/mo $5,290/mo $6,710/mo $104,500 1
Ashland Benton $4,340/mo $5,290/mo $6,710/mo $109,300 1
Baldwyn Lee $4,530/mo $5,530/mo $7,000/mo $187,800 1
Batesville Panola $4,340/mo $5,290/mo $6,710/mo $121,500 1
Bay Saint Louis Hancock $4,730/mo $5,770/mo $7,320/mo $206,600 1
Bay Springs Jasper $4,340/mo $5,290/mo $6,710/mo $118,600 1
Belzoni Humphreys $4,340/mo $5,290/mo $6,710/mo $88,800 1
Biloxi Harrison $4,620/mo $5,640/mo $7,140/mo $199,300 1
Bruce Calhoun $4,340/mo $5,290/mo $6,710/mo $82,900 1
Byhalia Marshall $4,340/mo $5,290/mo $6,710/mo $172,200 1
Calhoun City Calhoun $4,340/mo $5,290/mo $6,710/mo $82,900 1
Centreville Wilkinson $4,340/mo $5,290/mo $6,710/mo $80,200 1
Charleston Tallahatchie $4,340/mo $5,290/mo $6,710/mo $82,200 1
Crystal Springs Copiah $4,340/mo $5,290/mo $6,710/mo $105,600 1
De Kalb Kemper $4,340/mo $5,290/mo $6,710/mo $90,200 1
Diamondhead Hancock $4,730/mo $5,770/mo $7,320/mo $206,600 1
Diberville Harrison $4,620/mo $5,640/mo $7,140/mo $199,300 1
Duncan Bolivar $4,340/mo $5,290/mo $6,710/mo $123,600 1
Durant Holmes $4,340/mo $5,290/mo $6,710/mo $76,500 1
Ellisville Jones $4,340/mo $5,290/mo $6,710/mo $126,800 1
Fayette Jefferson $4,340/mo $5,290/mo $6,710/mo $81,400 1
Florence Rankin $5,600/mo $6,830/mo $8,650/mo $223,400 1
Flowood Rankin $5,600/mo $6,830/mo $8,650/mo $223,400 1
Gautier Jackson $4,880/mo $5,950/mo $7,540/mo $181,700 1
Hazlehurst Copiah $4,340/mo $5,290/mo $6,710/mo $105,600 1
Holly Springs Marshall $4,340/mo $5,290/mo $6,710/mo $172,200 1
Horn Lake Desoto $6,120/mo $7,470/mo $9,450/mo $248,700 1
Houston Chickasaw $4,340/mo $5,290/mo $6,710/mo $100,400 1
Indianola Sunflower $4,340/mo $5,290/mo $6,710/mo $103,400 1
Kosciusko Attala $4,340/mo $5,290/mo $6,710/mo $107,600 1
Lexington Holmes $4,340/mo $5,290/mo $6,710/mo $76,500 1

Mississippi Senior Care FAQ (2026)

The statewide average for assisted living in Mississippi is $4,650 per month ($55,800 per year), compared to the U.S. national median of $6,200 per month.
In Mississippi, a semi-private room in a CMS-certified nursing home averages $7,190 per month, while a private room averages $8,100 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Mississippi is $2,901 per month.