How much does a nursing home cost in Texas?

1 min read by Unbiased team Last updated June 28, 2024

Learn about nursing home costs in Texas and look at care options, costs by region, how to pay for a nursing home, tax implications, and other considerations.

Summary 

  • The median nursing home costs in Texas are lower than the national median cost. 

  • Costs vary greatly, depending on location, accommodation options, and whether you require basic care, skilled nursing, or specialized care. 

  • In Texas, the median monthly cost for a semi-private room in a nursing home is $5,483, while the median monthly cost for a private room is $6,893. 

  • A financial advisor can help you plan for the future and help you save enough to meet all of your future needs.  

What is the average cost of nursing home care in Texas? 

It is more helpful to look at the median cost of nursing home care in Texas than at the average cost, as a high number of luxury or budget options could skew the average cost.  

In Texas, the median monthly cost for a semi-private room in a nursing home is $5,483, while the median monthly cost for a private room is $6,893.  

These costs compare favorably with the national median monthly costs, which are $8,929 for a semi-private room and $10,025 for a private room.  

When considering costs, bear in mind that the median and average cost of nursing homes in Texas varies greatly by region.  

RegionAverage nursing home cost
Abilene $77,144
Amarillo $73,684
Austin-Round Rock $81,583
Beaumont-Port Arthur $69,336
Brownsville-Harlingen $78,419
College Station-Bryan $79,167
Corpus Christi $87,220
Dallas-Fort Worth $78,090
El Paso $73,961
Houston-Sugarland $78,441
Killeen-Temple $89,916
Laredo $77,496
Longview $60,322
Lubbock $74,545
McAllen-Edinburg $78,563
Midland $72,737
Odessa $72,044
San Angelo $68,541
San Antonio-New Braunfels $72,472
Sherman-Denison $65,981
Texarkana $67,282
Tyler $64,962
Victoria $75,404
Waco $66,819
Wichita Falls $71,167

How do costs compare for different types of care in Texas? 

The median monthly cost for a semi-private room is $5,483, and for a private room, it is $6,893.  

The median monthly cost for a specialized care unit in a nursing home in Texas is $5,728.  

A semi-private room or a private room can be a good option if you only need basic care.  

A private room might be a better option if you require skilled nursing care, although this may also be possible in a semi-private room.  

Specialized care units can be a little more affordable than a basic private room, although they are designed for residents with special health issues, such as Alzheimer's. 

Is nursing home care good in Texas? 

Many people with age-related or chronic health conditions require the supportive environment of a nursing home to meet their needs in their later years.  

There are approximately 1,195 nursing homes in Texas, although 51% of them are rated below average or much below average.  

It’s possible to find good quality care in nursing homes in the Lone Star State, although it’s important to remember that the cost can be steep.  

Understanding nursing home costs in Texas is vitally important as part of eldercare planning.  

It’s also important to understand your needs or the needs of the person who is looking at moving into one of these facilities and to choose the appropriate care option.  

The range of care options available includes basic care, skilled nursing, and specialized care for conditions like dementia. 

How do you pay for nursing home care in Texas? 

Given the potentially high cost of nursing home care in Texas, it’s important to think about how you will pay for it if you need it one day.  

Some of the options available for financing nursing home care include private savings, health insurance, long-term insurance policies, life insurance, local or regional agency assistance, and a reverse mortgage.  

Medicaid can be an option for low-income older adults, as the coverage can assist with long-term skilled nursing care services, hospital stays, and doctor’s visits.  

Your eligibility will be assessed according to the level of care you require and according to your finances, so you must plan ahead. Medicare can help cover nursing home costs in the short term.  

What are the tax implications of nursing home costs in Texas? 

Many nursing home costs in Texas are tax-deductible under itemized medical expenses on your federal income taxes.  

If you are in a nursing home primarily for medical care, you can deduct expenses related to medical care, meals, and lodging. However, if you are in a nursing home for personal reasons, you can only deduct expenses directly related to medical care, but not to accommodation or meals. 

To make these deductions, compile your medical expenses and confirm those costs fall under the medical expense deductions approved by the IRS. Next, complete an IRS Itemized Deductions Schedule A form and attach it to your Form 1040 or 1040-SR.  

Consult with a tax professional who can guide you through the process. 

What is the difference between nursing homes and assisted living facilities in Texas? 

The difference between nursing homes and assisted living facilities is in the level of care they provide and in their accommodation options.  

Nursing homes tend to have more clinical living environments and private or semi-private rooms without a kitchen area or living room for residents.  

Assisted living facilities have apartments with a kitchenette and private bathroom for residents. 

How do you choose the right nursing home or assisted living facility in Texas? 

You should base your decision on the cost of nursing home care in Texas, the quality of the care, the services offered, and your geographical preferences. 

Ask friends and family for recommendations and do research online. After narrowing down your options, visit those facilities and pay attention to what the building looks like and how workers and residents interact.  

Gather information from staff and residents.  

Ask whether the facility participates in Medicare and/or Medicaid and about waiting lists.  

You should also ask about: 

  • Which charges you will be responsible for 

  • The number of certified nurse assistants 

  • How staffing is different at night and over weekends 

  • What special training staff have received 

  • Whether you can set your own schedule 

  • Whether the facility is near a bus line 

  • Whether someone at the nursing home will help you apply for Medicaid 

  • What the facility’s improvement goals are 

When should I start considering a nursing home? 

You should start considering a nursing home for yourself or an older loved one when you or they need more help than family members and friends can provide.  

Early planning for this is essential. 

You might find it helpful to start looking for nursing homes before you, or they reach that stage so that you have an idea of your options and nursing home costs in Texas.  

This can help guide your financial and estate planning and give you the opportunity to involve family members in the decision-making process. 

Get expert financial advice 

While the average monthly cost of nursing homes in Texas is lower than the national average, costs can quickly add up. Given that you or a loved one might need to move into a nursing home in your later years, it’s important to plan ahead. 

Seek a financial advisor through Unbiased for expert advice you can trust. 

Writers

Unbiased team

Our team of writers, who have decades of experience writing about personal finance, including investing and retirement, are here to help you find out what you must know about life’s biggest financial decisions.