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 Texas

Compare monthly care rates across 1,466 cities and 1,177 CMS-certified nursing facilities in Texas.

2026 Medicaid Income Cap: $2,901/mo CMS Certified Facilities: 1,177 Avg. Home Value: $193,104
Assisted Living🏠
$5,920/mo
$71,040/year
-5% vs U.S. avg
Memory Care🧠
$7,220/mo
$86,640/year
-4% vs U.S. avg
Home Care (44h/wk)🤝
$6,370/mo
$33.43 per hour
-4% vs U.S. avg
Nursing Home (Semi)🏥
$9,150/mo
Private room: $10,310/mo
-4% 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$5,920/mo
Memory Care$7,220/mo
Home Care$33.43/hr
Nursing Semi$9,150/mo
Nursing Priv$10,310/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $180k
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 Texas

40.9 hrs/wk Break-even threshold

At Texas's average caregiver rate of $33.43/hr, hiring in-home care equals the $5,920/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
$2,897/mo

Saves $3,023/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,373 vs. $5,920/mo

Full-time home care costs $453/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$11,588/mo

Assisted Living saves $5,668/mo; Memory Care averages $7,220/mo.

Major Cities in Texas

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
Houston Fort Bend $8,190/mo $9,990/mo $12,660/mo $350,300 60
San Antonio Bexar $5,600/mo $6,830/mo $8,660/mo $244,100 58
Dallas Collin $8,380/mo $10,220/mo $12,940/mo $447,600 33
Fort Worth Tarrant $6,370/mo $7,770/mo $9,840/mo $294,100 32
Austin Hays $6,410/mo $7,820/mo $9,900/mo $371,400 25
El Paso El Paso $4,590/mo $5,600/mo $7,090/mo $167,300 21
Lubbock Lubbock $4,970/mo $6,060/mo $7,680/mo $199,600 14
Corpus Christi Nueces $5,290/mo $6,450/mo $8,170/mo $194,700 13
Tyler Smith $5,390/mo $6,580/mo $8,340/mo $220,800 13
Waco Mclennan $4,910/mo $5,990/mo $7,580/mo $219,200 13
Amarillo Potter $4,340/mo $5,290/mo $6,710/mo $134,900 12
Abilene Taylor $5,000/mo $6,100/mo $7,720/mo $190,300 11
Temple Bell $5,140/mo $6,270/mo $7,940/mo $221,100 10
Arlington Tarrant $6,370/mo $7,770/mo $9,840/mo $294,100 9
Beaumont Jefferson $4,710/mo $5,750/mo $7,290/mo $159,600 9
Longview Gregg $4,840/mo $5,900/mo $7,480/mo $185,800 9
Plano Collin $8,380/mo $10,220/mo $12,940/mo $447,600 9
Mcallen Hidalgo $4,340/mo $5,290/mo $6,710/mo $124,000 8
Mesquite Dallas $6,190/mo $7,550/mo $9,570/mo $277,900 8
Pasadena Harris $5,840/mo $7,120/mo $9,020/mo $255,000 8
San Angelo Tom Green $5,030/mo $6,140/mo $7,770/mo $186,700 8
Brownsville Cameron $4,340/mo $5,290/mo $6,710/mo $120,000 7
Harlingen Cameron $4,340/mo $5,290/mo $6,710/mo $120,000 7
Katy Fort Bend $8,190/mo $9,990/mo $12,660/mo $350,300 7
Texarkana Bowie $4,390/mo $5,360/mo $6,790/mo $161,300 7
Weatherford Parker $6,960/mo $8,490/mo $10,760/mo $343,600 7
Wichita Falls Wichita $4,490/mo $5,480/mo $6,950/mo $141,600 7
Brownwood Brown $4,340/mo $5,290/mo $6,710/mo $149,900 6
Denton Denton $7,690/mo $9,380/mo $11,880/mo $403,400 6
Garland Dallas $6,190/mo $7,550/mo $9,570/mo $277,900 6
Humble Harris $5,840/mo $7,120/mo $9,020/mo $255,000 6
Irving Dallas $6,190/mo $7,550/mo $9,570/mo $277,900 6
Laredo Webb $4,570/mo $5,580/mo $7,060/mo $178,900 6
Lufkin Angelina $4,620/mo $5,640/mo $7,140/mo $149,800 6
Odessa Ector $5,600/mo $6,830/mo $8,660/mo $190,500 6
Richardson Dallas $6,190/mo $7,550/mo $9,570/mo $277,900 6
Baytown Harris $5,840/mo $7,120/mo $9,020/mo $255,000 5
Boerne Kendall $7,580/mo $9,250/mo $11,710/mo $489,800 5
Carrollton Dallas $6,190/mo $7,550/mo $9,570/mo $277,900 5
Corsicana Navarro $4,590/mo $5,600/mo $7,090/mo $159,900 5
Denison Grayson $5,300/mo $6,470/mo $8,190/mo $228,300 5
Desoto Dallas $6,190/mo $7,550/mo $9,570/mo $277,900 5
Mckinney Collin $8,380/mo $10,220/mo $12,940/mo $447,600 5
Midland Midland $6,560/mo $8,000/mo $10,140/mo $293,000 5
New Braunfels Comal $6,920/mo $8,440/mo $10,690/mo $398,800 5
Paris Lamar $4,340/mo $5,290/mo $6,710/mo $175,500 5
Round Rock Williamson $7,900/mo $9,640/mo $12,210/mo $414,600 5
Seguin Guadalupe $6,710/mo $8,190/mo $10,360/mo $285,900 5
Texas City Galveston $6,240/mo $7,610/mo $9,640/mo $284,900 5
Tomball Harris $5,840/mo $7,120/mo $9,020/mo $255,000 5
Bedford Tarrant $6,370/mo $7,770/mo $9,840/mo $294,100 4
Bryan Brazos $4,890/mo $5,970/mo $7,550/mo $279,700 4
Cedar Park Williamson $7,900/mo $9,640/mo $12,210/mo $414,600 4
Conroe Montgomery $6,900/mo $8,420/mo $10,660/mo $317,500 4
Edinburg Hidalgo $4,340/mo $5,290/mo $6,710/mo $124,000 4
Fredericksburg Gillespie $5,630/mo $6,870/mo $8,700/mo $432,300 4
Gainesville Cooke $5,120/mo $6,250/mo $7,910/mo $224,600 4
Granbury Hood $6,430/mo $7,840/mo $9,930/mo $281,300 4
Greenville Hunt $5,300/mo $6,470/mo $8,200/mo $210,900 4
Kerrville Kerr $4,960/mo $6,050/mo $7,660/mo $285,100 4
Lancaster Dallas $6,190/mo $7,550/mo $9,570/mo $277,900 4
Missouri City Fort Bend $8,190/mo $9,990/mo $12,660/mo $350,300 4
Palestine Anderson $4,490/mo $5,480/mo $6,930/mo $173,400 4
Pearland Brazoria $6,670/mo $8,140/mo $10,310/mo $276,800 4
Rockwall Rockwall $8,880/mo $10,830/mo $13,730/mo $386,000 4
Sherman Grayson $5,300/mo $6,470/mo $8,190/mo $228,300 4
Sulphur Springs Hopkins $4,750/mo $5,800/mo $7,340/mo $193,200 4
Victoria Victoria $5,220/mo $6,370/mo $8,060/mo $197,600 4
Alice Jim Wells $4,340/mo $5,290/mo $6,710/mo $104,800 3
Athens Henderson $4,560/mo $5,560/mo $7,050/mo $189,600 3
Bastrop Bastrop $6,110/mo $7,450/mo $9,440/mo $269,500 3
Bay City Matagorda $4,350/mo $5,310/mo $6,730/mo $162,200 3
Big Spring Howard $4,830/mo $5,890/mo $7,470/mo $150,300 3
Bonham Fannin $4,740/mo $5,780/mo $7,330/mo $213,500 3
Brenham Washington $5,200/mo $6,340/mo $8,040/mo $270,100 3
Burleson Johnson $6,090/mo $7,430/mo $9,410/mo $254,600 3
Carthage Panola $4,340/mo $5,290/mo $6,710/mo $146,000 3
Center Shelby $4,340/mo $5,290/mo $6,710/mo $111,700 3
Cleburne Johnson $6,090/mo $7,430/mo $9,410/mo $254,600 3
College Station Brazos $4,890/mo $5,970/mo $7,550/mo $279,700 3

Texas Senior Care FAQ (2026)

The statewide average for assisted living in Texas is $5,920 per month ($71,040 per year), compared to the U.S. national median of $6,200 per month.
In Texas, a semi-private room in a CMS-certified nursing home averages $9,150 per month, while a private room averages $10,310 per month.
For 2026, the standard individual monthly income limit for long-term care Medicaid in Texas is $2,901 per month.