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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Senior Care & Assisted Living Costs in Florence, MS

2026 monthly care rates for Florence (Rankin County), local Census affordability metrics, and 1 CMS-certified care facilities.

Assisted Living🏠
$5,600/mo
$67,200/yr
-10% vs U.S. avg
Memory Care🧠
$6,830/mo
$81,960/yr
-10% vs U.S. avg
In-Home Care🤝
$31.59/hr
$6,020/mo (44h/wk)
-10% vs U.S. avg
Nursing Home (Semi)🏥
$8,650/mo
Private: $9,750/mo
-10% 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$5,600/mo
Memory Care$6,830/mo
Home Care$31.59/hr
Nursing Semi$8,650/mo
Nursing Priv$9,750/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $208k
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 Florence, MS

40.9 hrs/wk Break-even threshold

At Florence, MS's average caregiver rate of $31.59/hr, hiring in-home care equals the $5,600/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
$2,738/mo

Saves $2,862/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,023 vs. $5,600/mo

Full-time home care costs $423/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$10,950/mo

Assisted Living saves $5,350/mo; Memory Care averages $6,830/mo.

Florence vs. Mississippi & U.S. Averages

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

Florence, MS$5,600/mo
Mississippi State Average$4,650/mo
U.S. National Median$6,200/mo

Rankin County Economic Context (U.S. Census)

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

Median Household Income $77,454/yr ($6,455/mo)
Median Home Value $223,400
Median Gross Rent $1,210/mo
Mississippi Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Florence, MS

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

Briar Hill Rest Home
1201 Gunter Road, Florence, MS 39073 • 6019396371
60 Certified Beds For profit - Limited Liability company CCN: 255303
3/5 CMS Rating

Frequently Asked Questions About Senior Care in Florence

The estimated median cost of assisted living in Florence, MS is $5,600 per month ($67,200 per year), adjusted for Rankin County housing and income data.
A semi-private room in a skilled nursing facility in Florence averages $8,650 per month, while a private room averages $9,750 per month.
In-home caregiver services in Florence, MS average $31.59 per hour, or roughly $6,020 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in Mississippi is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby Mississippi Cities

Richland, MS $5,600/mo Star, MS $5,600/mo Whitfield, MS $5,600/mo Pearl, MS $5,600/mo Byram, MS $4,340/mo Jackson, MS $4,340/mo Piney Woods, MS $5,600/mo Flowood, MS $5,600/mo Harrisville, MS $4,340/mo Terry, MS $4,340/mo Braxton, MS $4,340/mo Brandon, MS $5,600/mo