The cost of assisted living in Texas depends on more than a statewide average. Location, room choice, care needs, included services, and additional fees can all affect what a family ultimately pays.
According to the CareScout Cost of Care Survey, the 2025 median cost of assisted living in Texas was $5,666 per month, or $67,992 per year, based on a private, one-bedroom setting. The national median was $6,200 per month.
Those figures are useful planning benchmarks, but they are not quotes for a particular community. A better cost comparison separates the statewide median from the actual room rate, care-related charges, included services, and one-time fees that may apply.
Cost Comparison
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How Much Does Assisted Living Cost Per Month in Texas?
The 2025 median cost of assisted living in Texas was $5,666 per month. Actual prices can be higher or lower depending on the community and the level of support a resident needs.
For families considering Our Cottage, current base pricing provides a more specific comparison:
| Cost Category | Current Price | What to Know |
| Texas assisted living median | $5,666/month | 2025 statewide median for a private, one-bedroom setting |
| National assisted living median | $6,200/month | 2025 national median |
| Premium Private | $7,000/month | Base pricing per bed |
| Premium Private, en-suite | $7,500/month | Base pricing per bed |
| Executive Private, en-suite | $7,500/month | Primary bedroom shared |
| Premium Double, en-suite | $13,950/month | Primary bedroom single |
| Enhanced Care Add-On | $1,250/month | Additional monthly charge when applicable |
| Respite Care | $350/day | Five-day minimum |
| One-Time Community Fee | $3,500 | $350 for respite stays |
The statewide median and a community’s pricing answer different questions. The Texas figure helps families establish a general budget. Community pricing shows what a particular room and care arrangement may cost.
Families considering Our Cottage can review current floor plans and pricing when comparing room options.
What Affects the Cost of Assisted Living in Texas?
Assisted living prices can differ significantly, even between communities in the same area. Several factors usually matter more than the statewide average alone.
Care Needs
A resident’s level of support can affect the monthly total. Someone who needs more assistance with daily living may have different care-related costs than someone with lighter support needs.
At Our Cottage, an Enhanced Care Add-On is $1,250 per month when applicable.
This is one reason a base room price should not automatically be treated as the final expected monthly cost. If the appropriate care level is still unclear, the Care Assessment can help families consider support needs before focusing on price alone.
Room Choice
Room configuration can also affect cost. Private, shared, en-suite, and other room arrangements may have different rates.
This becomes particularly important for couples. Sharing living space does not necessarily mean the total cost can be calculated by simply doubling or dividing an individual resident’s rate.
Location
Assisted living costs can vary across Texas and from one local market to another. Provider availability, housing and operating costs, and local demand can all influence community pricing.
That is why searches for assisted living costs by ZIP code may produce different estimates. A statewide median is a useful starting point, but families should compare actual pricing in the area where care is being considered.
Location can also affect the decision in practical ways. Proximity to family, ease of visiting, and familiarity with the surrounding area may matter alongside monthly price.
Included Services and Amenities
A lower advertised base rate does not always mean a lower overall cost. Families should also look at what the monthly price includes and which services may result in additional charges.
Our Cottage offers amenities and support that include:
- Utilities
- Daily living support
- On-site medical coordination
- Dining and nutrition
- Home services and personal care
- Wellness and life enrichment
- Outdoor spaces, including porches and secure garden areas
- Private dining and living areas for special visits
- Private and shared rooms
- Home-like common areas
- Accessible bathrooms
Families can review Our Cottage amenities for more information about the living environment and available support.
How to Compare Assisted Living Costs Beyond the Base Price
Two communities can advertise different monthly rates while structuring their pricing very differently. Comparing only the headline number can therefore create a misleading impression of which option costs more.
When reviewing an assisted living quote, compare these areas:
| What to Compare | What to Ask | Why It Matters |
| Base monthly rate | What room or residence does the quoted rate cover? | Establishes a consistent starting point |
| Room type | Is the room private, shared, or en-suite? | Room configuration may affect pricing |
| Care-related charges | Does the level of support add to the base rate? | Care needs can change the monthly total |
| Included services | Which meals, utilities, personal care, and other services are included? | Helps show what the monthly rate actually covers |
| One-time fees | Is there a community or move-in fee? | Prevents upfront costs from being overlooked |
| Future care changes | What happens to pricing if support needs increase? | Helps families plan beyond the initial quote |
This gives families a more useful comparison than asking which community has the lowest starting price.
For those weighing assisted living against the costs of continuing care at home, Our Cottage’s Cost Comparison can help organize the financial factors involved.
What Is the Average Cost of Assisted Living for a Couple?
There is no single reliable statewide assisted living price for a married couple.
A couple may share living space while having different care needs. One spouse may need regular daily support while the other needs considerably less assistance. Room occupancy and care-related charges may therefore be calculated differently.
When comparing assisted living costs for a couple, ask:
- Can the room accommodate two residents?
- How is occupancy priced?
- Are care needs assessed separately for each person?
- Which services are included in the room rate?
- What additional care charges could apply?
- Are there one-time fees for each resident or household?
A community-specific quote is more useful than multiplying a statewide individual median because it reflects the actual room arrangement and support needs being considered.
Does the State of Texas Pay for Assisted Living?
Texas may help eligible Medicaid recipients receive certain long-term services and supports through programs such as STAR+PLUS Home and Community-Based Services.
However, this does not mean Texas automatically pays the full cost of living in an assisted living community.
Texas Health and Human Services explains that people receiving assisted living services through STAR+PLUS HCBS are responsible for their room-and-board costs. A copayment may also apply depending on the person’s circumstances.
Eligibility and covered services depend on Medicaid and program requirements, so families should verify their individual situation through Texas Health and Human Services before including public assistance in a care budget.
Does Medicare Pay for Assisted Living?
Medicare generally does not pay for non-medical long-term care.
According to Medicare, most long-term care involving assistance with everyday personal tasks is not covered. Medicare may cover qualifying medical or skilled services in certain circumstances, but families should not assume it will pay the regular room-and-board cost of assisted living.
Understanding that distinction early can prevent Medicare coverage from being overestimated during financial planning.
Planning Assisted Living Costs With Real Numbers
Once a statewide benchmark is understood, the next step is to replace general estimates with the costs that apply to the actual room, care needs, and services being considered.
Our Cottage has three Plano locations:
Ambrosia Lane
4200 Ambrosia Ln
Plano, TX 75093
Aylesbury Lane
1525 Aylesbury Ln
Plano, TX 75075
Diane Dr
2101 Diane Dr
Plano, TX 75074
Our Cottage provides Assisted Living, Memory Care, and Respite Care, with private and shared room options.
For a meaningful cost comparison, look at the room configuration, applicable care charges, included services, and one-time fees together rather than comparing the statewide median with a base price alone.
If cost is the main question, start by reviewing floor plans and pricing. If the appropriate level of care is still uncertain, the Care Assessment can help clarify that part of the decision.
When you are ready to see the community and discuss available options, schedule a visit or call Our Cottage at 469-697-0565.
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Frequently Asked Questions
How much does it cost for assisted living per month in Texas?
The 2025 median cost of assisted living in Texas was $5,666 per month, according to CareScout. This is a statewide benchmark based on a private, one-bedroom setting rather than the amount every assisted living community charges. Actual costs can vary with location, room choice, care needs, included services, and additional fees.
What is one of the biggest drawbacks of assisted living?
One potential drawback is the financial commitment, particularly when additional care needs increase the monthly cost beyond the room’s base rate. Moving from a familiar home can also require an adjustment for some older adults. The significance of either concern depends on the individual, which is why families should consider cost, support needs, daily preferences, and the living environment together.
Does the state of Texas pay for assisted living?
Texas may help eligible Medicaid recipients access certain assisted living services through programs such as STAR+PLUS Home and Community Based Services. Assistance is not automatic and does not generally eliminate the resident’s financial responsibility. STAR+PLUS assisted living participants remain responsible for room and board, and a copayment may apply in some circumstances. Families should confirm eligibility and coverage directly with Texas Health and Human Services.
