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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Home › Mississippi › Horn Lake, MS

Senior Care & Assisted Living Costs in Horn Lake, MS

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

Assisted Living🏠
$6,120/mo
$73,440/yr
≈ U.S. average
Memory Care🧠
$7,470/mo
$89,640/yr
≈ U.S. average
In-Home Care🤝
$34.53/hr
$6,580/mo (44h/wk)
≈ U.S. average
Nursing Home (Semi)🏥
$9,450/mo
Private: $10,650/mo
≈ U.S. average

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$6,120/mo
Memory Care$7,470/mo
Home Care$34.53/hr
Nursing Semi$9,450/mo
Nursing Priv$10,650/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $231k
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 Horn Lake, MS

40.9 hrs/wk Break-even threshold

At Horn Lake, MS's average caregiver rate of $34.53/hr, hiring in-home care equals the $6,120/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
$2,992/mo

Saves $3,128/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,583 vs. $6,120/mo

Full-time home care costs $463/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$11,969/mo

Assisted Living saves $5,849/mo; Memory Care averages $7,470/mo.

Horn Lake vs. Mississippi & U.S. Averages

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

Horn Lake, MS$6,120/mo
Mississippi State Average$4,650/mo
U.S. National Median$6,200/mo

Desoto County Economic Context (U.S. Census)

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

Median Household Income $82,980/yr ($6,915/mo)
Median Home Value $248,700
Median Gross Rent $1,341/mo
Mississippi Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Horn Lake, MS

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

Landmark Of Desoto
3068 Nail Road West, Horn Lake, MS 38637 • 6622801219
60 Certified Beds For profit - Limited Liability company CCN: 255281
2/5 CMS Rating

Frequently Asked Questions About Senior Care in Horn Lake

The estimated median cost of assisted living in Horn Lake, MS is $6,120 per month ($73,440 per year), adjusted for Desoto County housing and income data.
A semi-private room in a skilled nursing facility in Horn Lake averages $9,450 per month, while a private room averages $10,650 per month.
In-home caregiver services in Horn Lake, MS average $34.53 per hour, or roughly $6,580 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

Southaven, MS $6,120/mo Nesbit, MS $6,120/mo Walls, MS $6,120/mo Lake Cormorant, MS $6,120/mo Hernando, MS $6,120/mo Olive Branch, MS $6,120/mo Arkabutla, MS $4,350/mo Coldwater, MS $4,350/mo Robinsonville, MS $4,340/mo Independence, MS $4,350/mo Sarah, MS $4,340/mo Senatobia, MS $4,350/mo