New research on the cost of long-term care in Texas
April 2, 2024
Long-term care costs exceed $124,000 yearly
Texas long-term care costs continue to rise according to CareScout® and their latest national study. This makes Texas long-term care insurance a necessity for all but the very wealthy.
In 2024, the median cost of a Texas long-term care facility was $80,300 ($220/Day) for one year of care. The average length of care needed is 3 years which would total $240,900 at today’s cost and $435,093 by 2044 ($145,031 per year).
The McAllen and Midland areas have the highest long-term care costs with nursing home rates over $124,000 per year ($340/day). College Station, El Paso and Lubbock have the second highest LTC facility rates in Texas at $109,500 per year ($300/day).
Average Cost of Long-Term Care in Texas
Texas Long-Term Care Costs – 2024 (annual) | |||
| Nursing Home (private room) | Assisted Living (private room) | Home Care (44 hours/week) | |
| State Average | $75,347 | $57,754 | $52,849 |
Click here for regional costs
| Region | Nursing Home | Assisted Living | Home Care |
| Abilene | $77,144 | $66,056 | $56,410 |
| Amarillo | $73,684 | $56,538 | $63,287 |
| Austin-Round Rock | $81,583 | $77,817 | $57,066 |
| Beaumont-Port Arthur | $69,336 | $57,489 | $48,679 |
| Brownsville-Harlingen | $78,419 | $59,306 | $42,026 |
| College Station-Bryan | $79,167 | $64,426 | $58,837 |
| Corpus Christi | $87,220 | $45,659 | $52,021 |
| Dallas-Fort Worth | $78,090 | $65,698 | $55,180 |
| El Paso | $73,961 | $35,702 | $46,613 |
| Houston-Sugarland | $78,441 | $60,919 | $55,890 |
| Killeen-Temple | $89,916 | $61,673 | $60,122 |
| Laredo | $77,496 | $57,754 | $39,636 |
| Longview | $60,322 | $52,947 | $63,090 |
| Lubbock | $74,545 | $51,042 | $54,042 |
| McAllen-Edinburg | $78,563 | $59,005 | $42,589 |
| Midland | $72,737 | $63,896 | $58,751 |
| Odessa | $72,044 | $68,497 | $57,254 |
| San Angelo | $68,541 | $71,764 | $53,233 |
| San Antonio-New Braunfels | $72,472 | $57,227 | $60,739 |
| Sherman-Denison | $65,981 | $56,217 | $57,895 |
| Texarkana | $67,282 | $34,470 | $44,657 |
| Tyler | $64,962 | $64,904 | $56,034 |
| Victoria | $75,404 | $66,505 | $56,034 |
| Waco | $66,819 | $63,110 | $60,864 |
| Wichita Falls | $71,167 | $50,403 | $48,886 |
SOURCE: Nationwide Financial annual cost of care survey conducted by HVS, site accessed 5/7/2024
Protect Your Family and Assets
Long-term care insurance policies pay for Nursing Facility, Assisted Living Facility and Home Health Care costs. Premiums for LTC insurance can vary greatly by company, age of applicant and health history. Most companies now charge higher premiums for women, but some do not. For these reasons, we strongly suggest working with an agent who represents multiple highly rated companies and who is a specialist with long-term care planning.
Both long-term care and short-term care insurance is available in Texas. This flexibility in coverage helps ensure affordable insurance premiums. Costs will depend on your age, health history and amount of coverage selected. We also provide detailed comparisons to the AARP long-term care insurance plan.
Compare Long-Term Care Insurance Options
Find the best option with professional recommendations.
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About the Author: Craig Matesky
Reviewed by: Mike Berger