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

Senior Care & Assisted Living Costs in Cotulla, TX

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

Assisted Living🏠
$5,240/mo
$62,880/yr
-15% vs U.S. avg
Memory Care🧠
$6,390/mo
$76,680/yr
-15% vs U.S. avg
In-Home Care🤝
$29.58/hr
$5,640/mo (44h/wk)
-15% vs U.S. avg
Nursing Home (Semi)🏥
$8,100/mo
Private: $9,130/mo
-15% 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$5,240/mo
Memory Care$6,390/mo
Home Care$29.58/hr
Nursing Semi$8,100/mo
Nursing Priv$9,130/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $94k
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 Cotulla, TX

40.9 hrs/wk Break-even threshold

At Cotulla, TX's average caregiver rate of $29.58/hr, hiring in-home care equals the $5,240/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
$2,563/mo

Saves $2,677/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,639 vs. $5,240/mo

Full-time home care costs $399/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$10,254/mo

Assisted Living saves $5,014/mo; Memory Care averages $6,390/mo.

Cotulla vs. Texas & U.S. Averages

Monthly Assisted Living cost comparison adjusted for La Salle County economic indicators.

Cotulla, TX$5,240/mo
Texas State Average$5,920/mo
U.S. National Median$6,200/mo

La Salle County Economic Context (U.S. Census)

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

Median Household Income $55,469/yr ($4,622/mo)
Median Home Value $101,000
Median Gross Rent $1,324/mo
Texas Medicaid Limit (2026) $2,901/mo

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

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

Avir At Cotulla
369 Mars Dr, Cotulla, TX 78014 • 8308794483
60 Certified Beds For profit - Corporation CCN: 676288
4/5 CMS Rating

Frequently Asked Questions About Senior Care in Cotulla

The estimated median cost of assisted living in Cotulla, TX is $5,240 per month ($62,880 per year), adjusted for La Salle County housing and income data.
A semi-private room in a skilled nursing facility in Cotulla averages $8,100 per month, while a private room averages $9,130 per month.
In-home caregiver services in Cotulla, TX average $29.58 per hour, or roughly $5,640 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.

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