Cost of Assisted Living in Texas: What to Expect & Budget For

When families begin exploring long-term care options for their aging loved ones, one of the first questions they ask is, “How much does assisted living cost in Texas?” The answer depends on several factors, including the level of care needed, location, amenities, and the type of residence chosen.

At Psalm 23 Home Care, we believe in full transparency and helping families plan wisely for the future. If you're considering assisted living for a parent, grandparent, or spouse, here's what you need to know about budgeting for care in Texas.

Average Cost of Assisted Living in Texas

As of 2025, the average monthly cost of assisted living in Texas ranges from $3,000 to $4,500. However, prices vary depending on the city and services offered. Metropolitan areas like Houston, Dallas, and Austin tend to be on the higher end of the spectrum, while smaller towns and rural areas may be more affordable.

Here in El Lago and the surrounding Clear Lake region, you can expect assisted living costs to fall close to the state average, with pricing influenced by the level of support your loved one needs.

What’s Included in Assisted Living Costs?

Most assisted living communities in Texas offer bundled services that include:

• Private or semi-private living accommodations

• 24/7 caregiver assistance

• Three daily meals and snacks

• Housekeeping and laundry

• Medication management

• Daily living assistance (bathing, dressing, grooming)

• Social and recreational activities

• Transportation for appointments

These services are typically built into the monthly rate, though some facilities charge additional fees for specialized care such as dementia support or physical therapy.

Factors That Can Affect the Cost

The cost of assisted living in Texas isn’t one-size-fits-all. Several elements can influence your monthly expenses:

1. Level of Care NeededMore hands-on support or memory care services can result in higher monthly fees.

2. Type of RoomPrivate rooms generally cost more than shared accommodations, but may be worth it for privacy and comfort.

3. LocationAssisted living in suburban or rural areas like El Lago may cost less than care in larger cities like Houston.

4. AmenitiesLuxury amenities such as wellness centers, chef-prepared meals, or concierge services can increase costs.

How to Budget for Assisted Living

Preparing financially for assisted living involves more than just understanding the monthly rate. Here are a few steps to help you build a realistic budget:

• Review income and savings – Look at retirement accounts, pensions, Social Security, and other income sources.

• Consider long-term care insurance – If your loved one has a policy, it may help cover part of the cost.

• Explore veteran benefits – Veterans or their spouses may qualify for VA Aid and Attendance benefits.

• Consult with a financial planner – A professional can help you structure payments and determine how long assets will last.

Is Assisted Living More Affordable Than In-Home Care?

It may surprise you to learn that assisted living can often be more cost-effective than paying for full-time in-home care. When you add up the costs of hourly caregivers, home modifications, transportation, and daily supervision, many families find that assisted living offers greater value—and peace of mind.

How Psalm 23 Home Care Makes Assisted Living Affordable

At Psalm 23 Home Care, we are committed to providing high-quality assisted living at a reasonable cost. We work closely with families to create care plans that meet both needs and budgets, without sacrificing compassion or safety.

Our residents enjoy a peaceful, faith-based environment with all the comforts of home. We proudly serve seniors throughout El Lago, Clear Lake, Seabrook, South Houston Kemah, League City, and nearby communities.

Ready to Discuss Assisted Living Costs?

If you're navigating the financial side of senior care, you're not alone. Our care team is here to walk you through pricing, benefits, and options with no pressure. We’re happy to answer your questions and help you compare costs so you can make the best decision for your family.

Contact Psalm 23 Home Care today at 832-557-1067 to schedule a private consultation or tour. Let’s make planning for the future easier—together.