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 Pilot Point, TX

2026 monthly care rates for Pilot Point (Denton County), local Census affordability metrics, and 2 CMS-certified care facilities.

Assisted Living🏠
$7,690/mo
$92,280/yr
+24% vs U.S. avg
Memory Care🧠
$9,380/mo
$112,560/yr
+24% vs U.S. avg
In-Home Care🤝
$43.40/hr
$8,270/mo (44h/wk)
+24% vs U.S. avg
Nursing Home (Semi)🏥
$11,880/mo
Private: $13,390/mo
+24% 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$7,690/mo
Memory Care$9,380/mo
Home Care$43.40/hr
Nursing Semi$11,880/mo
Nursing Priv$13,390/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/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: $375k
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 Pilot Point, TX

40.9 hrs/wk Break-even threshold

At Pilot Point, TX's average caregiver rate of $43.40/hr, hiring in-home care equals the $7,690/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
$3,761/mo

Saves $3,929/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$8,274 vs. $7,690/mo

Full-time home care costs $584/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$15,044/mo

Assisted Living saves $7,354/mo; Memory Care averages $9,380/mo.

Pilot Point vs. Texas & U.S. Averages

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

Pilot Point, TX$7,690/mo
Texas State Average$5,920/mo
U.S. National Median$6,200/mo

Denton County Economic Context (U.S. Census)

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

Median Household Income $108,185/yr ($9,015/mo)
Median Home Value $403,400
Median Gross Rent $1,642/mo
Texas Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Pilot Point, TX

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

Avir At Pilot Point
208 N Prairie St, Pilot Point, TX 76258 • 9406865507
63 Certified Beds Government - Hospital district CCN: 675902
5/5 CMS Rating
Cedar Ridge Rehabilitation And Healthcare Center
1700 N Washington St, Pilot Point, TX 76258 • 9406865556
108 Certified Beds For profit - Corporation CCN: 455930
3/5 CMS Rating

Frequently Asked Questions About Senior Care in Pilot Point

The estimated median cost of assisted living in Pilot Point, TX is $7,690 per month ($92,280 per year), adjusted for Denton County housing and income data.
A semi-private room in a skilled nursing facility in Pilot Point averages $11,880 per month, while a private room averages $13,390 per month.
In-home caregiver services in Pilot Point, TX average $43.40 per hour, or roughly $8,270 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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