2026 monthly care rates for Decatur (Wise County), local Census affordability metrics, and 3 CMS-certified care facilities.
Models eldercare inflation, home equity liquidation fees (7%), income offsets & Medicaid spend-down rules.
At Decatur, TX's average caregiver rate of $34.16/hr, hiring in-home care equals the $6,050/mo cost of Assisted Living at exactly 40.9 hours per week (~5.8 hrs/day).
Saves $3,090/mo vs. Assisted Living (excludes home mortgage/utilities).
Full-time home care costs $463/mo more than Assisted Living (where meals & utilities are included).
Assisted Living saves $5,791/mo; Memory Care averages $7,380/mo.
Monthly Assisted Living cost comparison adjusted for Wise County economic indicators.
Official ACS 5-Year benchmarks used to model local care affordability (see methodology).
| Median Household Income | $89,897/yr ($7,491/mo) |
| Median Home Value | $277,200 |
| Median Gross Rent | $1,239/mo |
| Texas Medicaid Limit (2026) | $2,901/mo |
Official Medicare provider registry showing certified bed capacity, ownership structure, and CMS 5-star quality ratings.