Assisted Living Cost in Texas
2026 monthly rates for all care levels in Texas — assisted living, memory care, and skilled nursing
Private studio rates. Semi-private rooms run 10–20% less. Costs vary by facility location and amenities.
Texas Assisted Living Cost Calculator
Texas Senior Care Costs by Care Level (2026)
| Care Level / Room | Monthly | Annual |
|---|---|---|
| Independent living (private studio) | $2,800/mo | $33,600/yr |
| Assisted living (private studio) | $3,800/mo | $45,600/yr |
| Memory care (Alzheimer's/dementia) | $5,400/mo | $64,800/yr |
| Skilled nursing (semi-private) | $7,140/mo | $85,680/yr |
| Skilled nursing (private room) | $8,400/mo | $100,800/yr |
| Home health aide (alternative) | $2,470/mo | $29,640/yr |
Private room rates. Shared/semi-private rooms cost 10–20% less. Costs vary by specific facility location, amenities, and level of individual care needs.
Assisted Living in Texas: What Families Need to Know
Texas offers more affordable assisted living than most large states, with the state average around $3,800/month. Major metro areas (Houston, Dallas, Austin, San Antonio) see rates 10–25% above this average. Rural Texas and smaller cities offer significantly lower costs — some rural facilities run $2,500–$3,200/month.
Planning Tip for Texas Families
Texas's STAR+PLUS Medicaid waiver program covers assisted living for qualifying seniors. Texas does NOT have a Medicaid waitlist (unlike many states) — if you're eligible, coverage begins quickly. Texas also has a robust network of adult day programs that can delay facility placement significantly.
STAR+PLUS waiver covers assisted living. No waitlist (unlike most states). Income limit ~$2,800/mo. Asset limit: $2,000.
Texas has 8 Texas State Veterans Homes and the nation's largest VA network. Aid & Attendance: up to $2,229/month.
How Long Will Your Savings Last? (Texas Assisted Living at $3,800/mo)
| Savings Available | Runway (Assisted) | Runway (Memory Care) |
|---|---|---|
| $100,000 | 26 months (2.2 yrs) | 18 months (1.5 yrs) |
| $200,000 | 52 months (4.4 yrs) | 37 months (3.1 yrs) |
| $300,000 | 78 months (6.6 yrs) | 55 months (4.6 yrs) |
| $500,000 | 131 months (11.0 yrs) | 92 months (7.7 yrs) |
| $750,000 | 197 months (16.4 yrs) | 138 months (11.6 yrs) |
Does not account for 3–5% annual cost increases. At 3% annual inflation, actual runway is 10–15% shorter than shown.
Find Assisted Living Facilities in Texas
A Place for Mom provides free, personalized guidance to compare assisted living facilities near you in Texas. Senior care advisors are available 24/7 and there is no cost to families.
Frequently Asked Questions
How much does assisted living cost per month in Texas?
Assisted living in Texas averages $3,800/month for a private studio (16% below the national average of $4,500/month). Memory care costs $5,400/month and skilled nursing runs $8,400/month. Costs vary by specific facility, location within Texas, and level of individual care needs.
Does Medicare pay for assisted living in Texas?
No — Medicare does not cover long-term assisted living costs. Medicare Part A covers skilled nursing facility care only for up to 100 days following a qualifying hospital stay for specific medical recovery needs. Medicaid covers assisted living for eligible low-income seniors in Texas. Other funding sources: long-term care insurance, VA Aid & Attendance benefit (for veterans), personal savings, and family contributions.
How long will $200,000 last in an assisted living facility in Texas?
At $Texas's average of $3,800/month, $200,000 lasts approximately 52 months (4.4 years). At memory care rates ($5,400/month), it covers 37 months. Factor in 3–5% annual cost increases — actual runway is typically 10–15% shorter than a flat-rate calculation. Planning for 3–5 years of care costs plus a contingency is recommended.
Does Medicaid cover assisted living in Texas?
STAR+PLUS waiver covers assisted living. No waitlist (unlike most states). Income limit ~$2,800/mo. Asset limit: $2,000.
Texas 2026 Rates
- Assisted living
- $3,800/mo
- Memory care
- $5,400/mo
- Skilled nursing
- $8,400/mo
- Independent living
- $2,800/mo
- vs. national avg
- -16%
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Assisted living, private studio