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 Bertram, TX

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

Assisted Living🏠
$5,890/mo
$70,680/yr
-5% vs U.S. avg
Memory Care🧠
$7,190/mo
$86,280/yr
-5% vs U.S. avg
In-Home Care🤝
$33.28/hr
$6,340/mo (44h/wk)
-5% vs U.S. avg
Nursing Home (Semi)🏥
$9,110/mo
Private: $10,270/mo
-5% 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$5,890/mo
Memory Care$7,190/mo
Home Care$33.28/hr
Nursing Semi$9,110/mo
Nursing Priv$10,270/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $289k
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 Bertram, TX

40.8 hrs/wk Break-even threshold

At Bertram, TX's average caregiver rate of $33.28/hr, hiring in-home care equals the $5,890/mo cost of Assisted Living at exactly 40.8 hours per week (~5.8 hrs/day).

Part-Time Care (15 hrs/wk) Crossover: 40.8 hrs/wk 24/7 Shifts (168 hrs/wk)
Home Care Cheaper 20 hrs/wk at Home
$2,884/mo

Saves $3,006/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$6,345 vs. $5,890/mo

Full-time home care costs $455/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$11,536/mo

Assisted Living saves $5,646/mo; Memory Care averages $7,190/mo.

Bertram vs. Texas & U.S. Averages

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

Bertram, TX$5,890/mo
Texas State Average$5,920/mo
U.S. National Median$6,200/mo

Burnet County Economic Context (U.S. Census)

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

Median Household Income $77,158/yr ($6,430/mo)
Median Home Value $310,500
Median Gross Rent $1,324/mo
Texas Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Bertram, TX

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

Bertram Nursing And Rehabilitation
540 E State Hwy 29, Bertram, TX 78605 • 5123552116
74 Certified Beds For profit - Corporation CCN: 676117
5/5 CMS Rating

Frequently Asked Questions About Senior Care in Bertram

The estimated median cost of assisted living in Bertram, TX is $5,890 per month ($70,680 per year), adjusted for Burnet County housing and income data.
A semi-private room in a skilled nursing facility in Bertram averages $9,110 per month, while a private room averages $10,270 per month.
In-home caregiver services in Bertram, TX average $33.28 per hour, or roughly $6,340 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in Texas is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby Texas Cities

Liberty Hill, TX $7,900/mo Briggs, TX $5,890/mo Burnet, TX $5,890/mo Florence, TX $7,900/mo Horseshoe Bay, TX $4,660/mo Leander, TX $7,430/mo Marble Falls, TX $5,890/mo Kempner, TX $4,910/mo Spicewood, TX $7,430/mo Lampasas, TX $4,910/mo Cedar Park, TX $7,900/mo Georgetown, TX $7,900/mo