Financial planning guides for senior care costs, payment options, and estate planning.
The District of Columbia does not tax Social Security, but DC income tax does reach pensions, military retired pay, annuities and retirement-account withdrawals.
Medicare won't pay for a long-term stay in an Idaho nursing home or assisted living facility, because Medicare doesn't cover custodial care when that's the only care a person needs.
Hawaii's median cost for assisted living is $145,155 a year in CareScout's 2025 Cost of Care Survey, the highest assisted living median of any state.
In Wyoming, paid help at home is where senior care costs stand out: CareScout's 2025 survey put the state's non-medical caregiver rate at about $46 an hour, the highest in the nation.
A semi-private nursing home room in West Virginia has a median cost of $422 a day, or $154,030 a year, in CareScout's 2025 Cost of Care Survey.
A parent whose income is over South Dakota Medicaid's long-term care limit of $2,982 a month in 2026 can still qualify by routing that income through a Medicaid income trust.
If you're working out how to pay for senior care in Utah, know that Utah Medicaid measures a parent's income for nursing-home care against the private cost of the nursing home itself.
In CareScout's 2025 survey, a semi-private nursing home room in Rhode Island had a median cost of $145,270 a year, and assisted living about $7,781 a month.
New Mexico Medicaid's nursing-home income limit is $2,982 a month in 2026, and a parent whose income is higher may still qualify through an income diversion trust.
A semi-private nursing home room in Nevada had a 2025 median cost of $141,438 a year.
Paying for senior care in Iowa gets easier to plan once you know that a parent's income above Iowa Medicaid's cap does not close the door on nursing-home coverage.
In working out how to pay for senior care in Kansas, know this first: a parent over the income test for KanCare, Kansas's Medicaid program, can still qualify for nursing-home coverage.
Long Term Care MaineCare, Maine's Medicaid program for long-term care, has a 2026 asset limit of $2,000 for one person, and many families stop reading there.
When paying for senior care in Nebraska, a parent's income over the state's limits does not by itself shut the door on Nebraska Medicaid.
In CareScout's 2025 Cost of Care Survey, a semi-private nursing home room in New Hampshire has a median cost of $146,913 a year, or $12,243 a month.
An Oklahoma parent whose income is over SoonerCare's nursing-home limit is not shut out, because a Medicaid Income Pension Trust can still open the door.
Vermont Long-Term Care Medicaid can pay for care in your parent's own home, in an approved residential care home or assisted-living facility, or in an approved nursing home.
North Dakota sets no Medicaid long-term-care income cap you can fail, and that one fact changes the arithmetic for a family working out how to pay for senior care in North Dakota.
If a nursing home named you responsible for your parent's bill, three things decide the answer: the filial-support law where your parent lives, what you signed, and estate recovery.
Yes, a sponsor's income counts against federal Supplemental Security Income (SSI) for a parent sponsored on a Form I-864 Affidavit of Support.
Yes, a refugee's or asylee's Supplemental Security Income (SSI) will usually stop after 7 years, unless she becomes a U.S. citizen or meets an SSI condition that has no time limit.
Yes, a green card holder can get SSI, but under federal SSI rules a green card is only half of the noncitizen test and one listed condition must also be met.
Three Supplemental Security Income (SSI) rules changed on September 30, 2024, and all three work the same way: by taking something out of countable income, not by raising the payment rate.
Yes, getting married affects SSI, and which of three rules reaches your check depends on whether your new spouse also gets SSI, or, if you never marry, on whether you hold yourselves out as married.
In 2026, Montana Medicaid does not use the $2,982 monthly income limit for long-term care that most states apply; it runs a medically needy spend-down against a $525 monthly income level instead.
For 2026, an applicant for Oregon's Supplemental Income Program Medical (OSIPM) long-term care coverage must have countable income at or below $2,982 a month or set up an income cap trust.
In Washington, DC, Medicare does not pay for long-term custodial care, and DC Medicaid, run by the DC Department of Health Care Finance (DHCF), is the payer that covers it.
In the CareScout 2025 Cost of Care Survey, a semi-private nursing home room in Alaska runs $333,975 a year, ranked 1st and the most expensive in the nation.
A semi-private nursing home room in Louisiana cost a median $7,604 a month in the CareScout 2025 Cost of Care Survey.
Assisted living in Mississippi runs about $4,369 a month in the CareScout 2025 survey, the lowest of any state, while a semi-private nursing home room runs about $9,581 a month.
In the CareScout 2025 Cost of Care Survey, a semi-private nursing home room in Delaware has a median cost of $173,922 a year, about $14,494 a month.
Working out how to pay for senior care in Connecticut starts with one hard number: a private nursing home room had a median cost of $550 a day in 2025, 2nd highest of the 50 states.
Senior care in Arkansas starts with a hard number: a median of about $89,425 a year for a shared nursing home room, in CareScout's 2025 Cost of Care Survey.
In the CareScout 2025 Cost of Care Survey, a semi-private nursing home room in Kentucky has a median cost of about $9,718 a month.
Paying for senior care in Alabama means lining up more than one source, because Medicare does not cover the everyday custodial help most older adults end up needing.
Sign your savings over to a daughter to get within SSI's individual countable-resource limit of $2,000, and the Social Security Administration (SSA) can shut you out of SSI for up to 36 months.
Supplemental Security Income (SSI) and Social Security are not an either/or choice, and if you think they are, you may be leaving money on the table.
Yes. Free shelter from family counts as income for SSI, so if your mother comes to live with you her check can go down by about a third of the federal benefit rate.
A parent's Supplemental Security Income (SSI) doesn't stop in a nursing home where Medicaid pays more than half the cost of her care, but for a full calendar month the federal rate is $30 a month.
There is no single Supplemental Security Income (SSI) income limit in 2026, and the $994 figure most people take for one is really the largest federal check SSI writes to one person.
How to apply for SSI at 65 or older has three answers, not one: Social Security lists an online start, a phone appointment, and applying in person.
The money landed, and now you're frightened of it. An inheritance isn't counted against SSI's resource limit the day it arrives; it counts from the first moment of the next month.
As of 2026, in 34 states and the District of Columbia, being approved for Supplemental Security Income (SSI) automatically qualifies you for Medicaid, with no second application.
If your income runs out before the month does, there's a federal check built for exactly that.
A private nursing home room in California runs a median of about $15,178 a month, and even non-medical help at home runs about $38 an hour at the median.
Working out how to pay for senior care in Tennessee usually starts with a hard number: the American Council on Aging puts a shared room in a Tennessee nursing home at $109,865 a year.
If you're worried the IRS will tax your Social Security, the honest answer is maybe, but never all of it.
A Social Security spousal benefit can pay you up to half of what your spouse gets, based on their work record instead of your own.
Nevada senior property tax relief does not come from a senior exemption.
When a spouse dies, Social Security survivor benefits can replace much of the income that went with them.
Does Social Security affect your Medicaid? Yes, and the way it does catches families off guard.
Deciding when to claim Social Security is one of the biggest money decisions you'll ever make, and it lands hardest when a family is already paying for care.
Most states have no estate or inheritance tax. Only 16 do, and most families never owe either one.
Hawaii taxes estates over $5.49 million, with graduated rates that top out at 20 percent.
The Maryland estate tax applies to estates over $5 million at rates up to 16 percent, and Maryland also charges a separate inheritance tax on top of it.
Vermont exempts the first $5 million of an estate and taxes the excess at a flat 16 percent, then scales that bill down to the share of the estate that actually sits in Vermont.
Rhode Island starts taxing estates at $1,838,056 for deaths in 2026, far below the federal $15,000,000 exemption.
Maine starts taxing estates at $7.16 million for deaths in 2026, far below the federal line, then climbs through three tiers from 8 percent to 12 percent.
For deaths in 2026, Connecticut exempts the first $15 million of an estate, then taxes the rest at a flat 12 percent.
South Carolina taxes none of your Social Security, and none of your disability retirement income due to total and permanent disability.
Kentucky taxes none of your Social Security and exempts the first $31,110 per person of all other retirement income, no age requirement attached.
Louisiana taxes none of your Social Security and fully exempts government pensions, then gives most other retirees a $12,000 break after 65.
Hawaii taxes none of your Social Security and exempts pensions your employer paid for, but it taxes the part you chose to fund yourself.
Mississippi taxes none of your Social Security and none of your qualified retirement income.
Alabama leaves your Social Security check alone and does not tax traditional pensions at all.
Georgia does not tax Social Security at all.
New Jersey does not tax your Social Security, and for many retirees it shelters most of your pension too.
A retired Pennsylvanian living on Social Security and a pension usually owes the state nothing on that money.
New Hampshire senior property tax relief works differently from almost every other state.
Maine senior property tax relief starts with the Property Tax Fairness Credit, a refundable state income-tax credit worth up to $2,000 for homeowners and renters who are 65 or older.
Vermont's Property Tax Credit has no minimum age, and a homestead owner with household income under $115,400 can claim up to $5,600 against the education portion of their property-tax bill.
Utah's main property-tax break for older homeowners requires you to be 67, not 65, and that one detail keeps many eligible seniors from claiming it.
North Dakota senior property tax relief comes from two credits that older homeowners can use together.
West Virginia senior property tax relief centers on the Homestead Exemption, which removes the first $20,000 of a home's assessed value from property tax.
Oklahoma senior property tax relief comes through two breaks for homeowners 65 and older, and both are filed on one form.
Kansas senior property tax relief comes through three refund programs, all administered by the Kansas Department of Revenue.
Hawaii senior property tax relief is set county by county, and the home exemption on your primary residence can reach $300,000 off assessed value depending on where you live and how old you are.
Alaska state law requires every municipality to exempt the first $150,000 of assessed value from local property tax for homeowners who are 65 or older. There is no income test.
Idaho senior property tax relief through the Circuit Breaker can cut your property tax bill by $250 to $1,500.
Wyoming senior property tax relief can return up to 75 percent of what you paid in property taxes. Income eligibility is set by a county-specific formula rather than a flat statewide dollar figure.
South Dakota's Assessment Freeze locks your home's assessed value so that rising real estate markets cannot push your property tax bill higher.
Montana residents 62 or older with combined household income below $45,000 can claim a refundable credit worth up to $1,150 a year, and it applies to renters as well as homeowners.
Rhode Island seniors with household income under $40,730 can claim up to $700 in property tax relief through a state credit that covers both homeowners and renters.
Delaware homeowners who are 65 or older can cut their regular school property taxes in half, up to $500 a year, with no income test required.
Alaska taxes none of your retirement income. The state has no personal income tax, so Social Security, pensions, IRA withdrawals, and 401(k) distributions all escape state tax.
The Florida retirement income tax is zero.
Massachusetts does not tax Social Security, and it does not tax a contributory government pension, including a federal FERS or CSRS pension.
Michigan does not tax Social Security, and its four-year phase-in of the retirement and pension subtraction is finished.
Nevada taxes none of your retirement income. The state has no personal income tax of any kind, so Social Security, pensions, IRA withdrawals, and 401(k) distributions all escape state tax.
New Hampshire taxes none of your retirement income.
Ohio does not tax your Social Security, but it does tax most other retirement income.
South Dakota taxes none of your retirement income. The state has no personal income tax, so Social Security, pensions, IRA withdrawals, and 401(k) distributions all escape state tax.
Tennessee does not tax any of your retirement income.
Texas does not tax any of your retirement income. The state has no personal income tax, so Social Security, pensions, IRA withdrawals, and 401(k) distributions all escape state tax.
Washington does not tax your retirement income today. The state has no individual income tax, so Social Security, pensions, IRA withdrawals, and 401(k) distributions all escape state tax.
Wyoming taxes none of your retirement income. The state has no personal income tax, so Social Security, pensions, IRA withdrawals, and 401(k) distributions all escape state tax.
Nebraska homeowners 65 and older can eliminate their property taxes entirely if their household income is low enough: up to 100 percent exemption, not a partial credit.
Iowa has three property-tax breaks stacked on top of each other for homeowners 65 and older, and most people only know about one.
Arkansas homeowners 65 and older, and homeowners with a disability at any age, can freeze the taxable assessed value of their home.
Missouri senior property tax relief comes through two programs. The statewide Property Tax Credit, known as the Circuit Breaker, pays back a portion of what you spent on property taxes or rent.
Wisconsin senior property tax relief runs through two programs, and most seniors qualify for the first.
Maryland senior property tax relief runs through a single state program that caps what any homeowner pays based on income, and it's worth thousands of dollars a year for seniors on a fixed budget.
Indiana overhauled its senior property tax relief in 2025, replacing the old Over-65 Deduction with two new credits that every eligible homeowner 65 or older should apply for.
Oregon senior property tax relief comes in one main form, and the state is careful to call it what it is.
Arizona runs two separate property tax breaks that older and disabled homeowners can apply for.
Minnesota gives qualifying seniors the option to stop paying most of their property taxes and have the state cover the difference as a loan against the home.
Virginia senior property tax relief exists, but the state doesn't set the amount. Every dollar of relief for seniors 65 and older is decided by the county or city where you live.
California has no senior homestead exemption. Instead, it caps how fast your assessed value can rise and lets older homeowners carry a low tax base when they move.
Illinois senior property tax relief can knock thousands off the value your property tax is figured on, and a lower-income senior can freeze that value entirely.
A Colorado homeowner who is 65 or older and has owned and lived in the home for 10 straight years can knock up to $100,000 off the value their property tax is figured on.
North Carolina gives older and disabled homeowners three ways to cut their property tax bill, but you can only use one at a time. Picking the right one is the whole game.
Washington has no individual income tax today, and the 9.9 percent tax that starts in 2028 reaches only adjusted gross income above $1 million.
New Jersey runs four separate property-tax relief programs that older homeowners can stack on the same home. New Jersey senior property tax relief isn't one benefit.
A New York homeowner who turns 65 can claim two property-tax breaks at once: a bigger school-tax cut through Enhanced STAR and up to half off their assessed value through the senior exemption.
Georgia senior property tax relief comes down to one lever: many counties wipe out a senior homeowner's school taxes entirely, the biggest line on most tax bills.
An Ohio homeowner who turns 65 can shield $29,000 of their home's market value from property tax, as long as their income stays under the state limit.
Massachusetts senior property tax relief mostly arrives as an income-tax credit, not a discount on your tax bill, which surprises a lot of people.
Florida senior property tax relief can cut a retiree's home tax bill by thousands of dollars a year.
A Texas homeowner who turns 65 can freeze their school property taxes for life, and if money gets tight, defer them entirely.
A semi-private nursing home room in Arizona runs about $100,375 a year. Almost no family can pay that out of pocket for long.
Arizona keeps it simple. Social Security is untaxed, military retirement is fully exempt, and everything else gets a flat 2.5%.
Arkansas leaves your Social Security check alone and exempts up to $6,000 per person of your other retirement income on top of that.
California leaves your Social Security check alone, then taxes nearly everything else you retire on.
A semi-private nursing home room in Colorado runs about $121,910 a year. Almost no family can pay that out of pocket for long.
Colorado lets people 65 and older subtract their federally taxed Social Security in full, and it caps the subtraction for pension, annuity, IRA, and 401(k) income at $24,000.
Whether you owe Connecticut tax on your Social Security, pension, or IRA comes down to one number: your federal adjusted gross income.
Delaware does not tax Social Security benefits at all, and it lets retirees 60 and older exclude up to $12,500 of other retirement income per person.
The first surprise is the bill. The second is that Medicare does not pay it. Most families cover assisted living by stacking several payers, not one.
How to pay for in-home care comes down to five payers, because no single program covers it. In-home care runs about $35 an hour, roughly $80,080 a year at 44 hours a week.
Memory care is assisted living built around dementia, and the resident pays for the room or apartment plus extra for that special care. Medicare pays none of it.
A nursing home costs more than most families can cover from savings alone, which is why Medicaid pays for most nursing home care in this country.
Where you retire decides how much tax you pay on the money you live on.
Most states cut older homeowners a break on property taxes, but the programs vary a lot.
The Idaho retirement income tax leaves Social Security alone, but it hits private pensions, IRA withdrawals, and 401(k) distributions at a flat rate of 5.3 percent.
The Illinois estate tax starts above $4 million, and that threshold counts lifetime taxable gifts as well as what you own at death.
A semi-private nursing home room in Illinois runs about $99,645 a year, and almost no family can pay that out of pocket for long.
Illinois taxes none of the money you retire on, and that is not an exaggeration.
Around-the-clock nursing home care runs about $294 a day for a semi-private room in Indiana, roughly $107,310 a year.
The Indiana retirement income tax skips Social Security and now exempts military retirement entirely, but most other retirement income gets no deduction and stays in the taxed base.
There is no Iowa inheritance tax to worry about anymore. The state repealed it, and for any death in 2025 or later, heirs receive their inheritance free of any Iowa death tax.
As of 2023, Iowa excludes retirement income from state tax for eligible taxpayers, and being 55 or older is only one of four ways to qualify.
A 2024 law erased one of the harshest features of Kansas tax: the cliff that taxed every dollar of Social Security once your federal adjusted gross income crossed $75,000.
Kentucky has no estate tax, and its inheritance tax never reaches close family. A brother or sister inherits completely tax-free, right alongside your spouse and children.
Maine leaves Social Security alone, then offers a Pension Income Deduction worth up to $48,216 per person for the 2025 tax year against pension, IRA, and 401(k) income.
A semi-private nursing home room in Maryland runs about $155,125 a year. Almost no family can pay that out of pocket for long.
Maryland leaves your Social Security and Railroad Retirement benefits alone.
The Massachusetts estate tax starts above $2 million, and a 2023 reform raised that threshold and added a credit that softened the old cliff.
The Minnesota estate tax starts above $3 million, with graduated rates that begin at 13 percent and top out at 16 percent.
A semi-private nursing home room in Minnesota runs about $127,750 a year, well above the $114,975 national median. Almost no family can pay that out of pocket for long.
Minnesota taxes Social Security benefits, but a state subtraction wipes that tax out for most middle-income retirees.
A semi-private nursing home room in Missouri runs about $80,893 a year. Almost no family can pay that out of pocket for long.
As of tax year 2024, Missouri stopped taxing Social Security benefits entirely.
Montana taxes your Social Security benefit to the same extent the federal government does.
In Nebraska, the inheritance tax is collected by the county, not the state, and a close relative pays just 1 percent.
Nebraska just stopped taxing Social Security. As of tax year 2024, the benefit is fully exempt, a year earlier than originally planned.
In New Jersey, your spouse and your children inherit from you free of inheritance tax, and a step-child or a legally adopted child counts as your child.
New Mexico exempts Social Security from state income tax when your adjusted gross income does not exceed the threshold for your filing status.
The New York estate tax exempts estates up to about $7.35 million for 2026, but a quirk called the cliff can erase that whole exemption if an estate goes just over.
New York hands retirees three separate tax breaks, and most people only know about one of them.
A semi-private nursing home room in North Carolina runs about $116,800 a year. Almost no family can pay that out of pocket for long.
North Carolina does not tax Social Security. Everything else gets taxed at one flat rate.
North Dakota stopped taxing Social Security benefits and taxes everything else on a schedule that starts at 0 percent and tops out at 2.5 percent.
Oklahoma does not tax Social Security and lets each retiree shield another $10,000 of pension or account income from the state.
Oregon's estate tax kicks in at $1 million, and that threshold is not indexed for inflation, so it does not rise as home values do.
Oregon never touches your Social Security, but it taxes nearly everything else at rates that climb to 9.9 percent.
In Pennsylvania, almost every inheritance gets taxed, and there is no relationship-blind exemption threshold to hide behind.
Rhode Island ties its biggest retirement tax breaks to two conditions at once: reaching full retirement age, and keeping your federal AGI below the limit for your filing status.
A semi-private nursing home room in South Carolina runs about $108,405 a year. Almost no family can pay that out of pocket for long.
Utah taxes Social Security and other retirement income, then hands much of it back to lower- and middle-income seniors through two credits.
The Vermont retirement income tax reaches Social Security, but exempts it in full when your federal adjusted gross income (AGI) is at or below the threshold for your filing status.
A semi-private nursing home room in Virginia runs about $123,005 a year. Almost no family can pay that out of pocket for long.
Virginia does not tax your Social Security. Most other retirement income, though, is fair game.
Washington's estate tax changed twice in about a year, so the date of death, not the date you are reading this, decides both the exclusion and the rate.
A semi-private nursing home room in Washington runs about $157,859 a year, among the highest in the country. Almost no family can pay that out of pocket for long.
As of the 2026 tax year, West Virginia no longer taxes Social Security benefits for anyone, completing a three-year phase-out that started in 2024.
A semi-private nursing home room in Wisconsin runs about $127,750 a year. Almost no family can pay that out of pocket for long.
Wisconsin does not tax Social Security, never taxes military retirement pay, and now lets retirees 67 and older subtract up to $24,000 of retirement income tax-free.
Mom needs to move into memory care this month, but the money to pay for it is still months away, tied up in her house or stuck in a benefits queue.
In 2025, Americans age 60 and older reported losing more than $7.7 billion to fraud across more than 201,000 complaints to the FBI.
A continuing care retirement community (CCRC) charges a large one-time entry fee plus ongoing monthly fees, and most of that cost comes out of pocket.
Someone turning 65 today has almost a 70% chance of needing long-term care at some point. That's the number most families don't plan for.
Once a senior's unreimbursed medical costs pass 7.5% of income, the rest becomes tax-deductible, from nursing home and assisted living fees to in-home care.
Home equity options to pay for senior care come down to four tools: a HELOC, a home equity loan, a cash-out refinance, and a reverse mortgage. Three of them require a monthly payment. One doesn't.
The family home is usually the biggest asset a family can tap to pay for senior care, and the choice between selling it and renting it out can swing the outcome by tens of thousands of dollars.
Your IRA and 401(k) can pay for senior care, and for most families a retirement account is the biggest pool of money they have.
A Health Savings Account (HSA) lets you pay for long-term and senior care with tax-free money.
Alabama seniors 65 and older can eliminate all state property taxes on their home, with no income test required. That is the H-4 exemption, and it is the floor.
A Connecticut homeowner who is 65 or older, or totally disabled at any age, can knock up to $1,250 off their yearly property tax bill through a state-funded credit.
Annuities for senior care work by turning a chunk of savings into guaranteed monthly income you can spend on care.
Someone turning 65 today has almost a 70% chance of needing some type of long-term care services and supports, and Medicare won't pay for most of it.
Paying for senior care almost never comes from one place. Most families stitch together several payers: Medicaid, Medicare, VA benefits, and private money.
A life insurance policy can pay for senior care while the insured is still alive, not just leave money behind after death.
Long-term care insurance pays for the day-to-day help most people need late in life: bathing, dressing, eating, getting around. Regular health insurance and Medicare don't cover that kind of care.
A durable power of attorney lets you handle almost all of a parent's money, but it will not let you manage their Social Security.
A reverse mortgage can turn home equity into cash to pay for senior care, and for the right family it's a strong tool. But it fits one situation far better than another.
Kentucky senior property tax relief works through a single, straightforward program: the Homestead Exemption cuts $49,100 from your home's assessed value before property taxes are calculated.
Louisiana seniors 65 and older can freeze their home's assessed value permanently so rising property values do not drive up their tax bill.
Michigan's biggest property-tax break for seniors is a refundable credit worth up to $1,900 a year, and you claim it on your state income-tax return even if you owe no tax.
Mississippi homeowners who are 65 or older, or who are totally disabled at any age, are exempt from taxes on the first $75,000 of their home's true value.
New Mexico senior property tax relief comes from four programs: two rebates you file with your state income-tax return and two exemptions you claim at your county assessor's office.
Pennsylvania pays older homeowners and renters a yearly rebate of up to $1,000 on the property taxes or rent they already paid.
South Carolina's Homestead Exemption removes the first $50,000 of your home's fair market value from taxation if you are 65 or older, totally and permanently disabled, or legally blind.
Tennessee reimburses homeowners 65 and older a portion of their property taxes each year if their income is $38,470 or less.
Paying for senior care in New Jersey is daunting: a private-pay nursing home runs roughly $12,800 a month for a semi-private room, well above the national median.
Working out how to pay for senior care in Ohio starts with a hard number: a semi-private nursing home room runs roughly $110,230 a year for 365 days of care.
A semi-private nursing home room in Florida runs about $124,100 a year, and very few families can pay that out of pocket for long.
Senior care in Massachusetts carries some of the highest long-term care costs in the country, and few families can cover them from one source.
Assisted living in Georgia runs about $5,300 a month, and a semi-private nursing home room about $8,821.
A semi-private nursing home room in New York runs about $186,333 a year, the third-highest of any state, and even non-medical care at home costs roughly $80,080 a year.
The single most expensive misconception in Pennsylvania senior care is "Mom is on Medicare, so the nursing home is covered." It is not.
Senior care in Michigan runs from about $5,818 a month for assisted living to roughly $11,969 a month for a private nursing-home room in 2026, according to the CareScout 2025 Cost of Care Survey.
Senior care in Texas runs from about $5,666/month for assisted living to about $7,600/month for a private nursing home room, based on 2025 median costs. In-home care runs about $30/hour.