Memory Care Communities in Temple, Texas

In Temple, memory care rates come to approximately $5,000 per month, providing savings over the Texas median of $6,144 and the nationwide baseline rate of $6,688. Monthly rates in this city also track considerably lower than care costs in nearby cities, with seniors in College Station and Waco paying higher respective fees of around $6,750 and $6,876. Similarly, rates in Abilene run about $2,250 higher than in Temple, and in Austin, memory care residents pay around $2,540 more for care.

Note: Residential memory care is usually offered in assisted living facilities, and in general, memory care rates tend to be 20-30% higher than assisted living rates. No national database currently tracks memory care costs in the United States, so we've estimated the monthly memory care costs listed below by adding 25% to the rates listed in Genworth's 2021 Cost of Care Survey.

Temple seniors pay around $5,000 per month for residential memory care.

While many families use their own funds or personal assets to pay for memory care, there are plenty of additional options to cover these costs. Some additional ways to finance memory care costs include:

• Veterans Benefits
• Life Insurance Policy
• Long-Term Care Insurance
• Reverse Mortgage

For more information about different ways to finance memory care, visit our Memory Care in Texas page.

Seniors in Temple pay a monthly median rate of $5,000 for memory care services in specialized residential care communities. By comparison, seniors who don’t need memory support pay around $1,000 less for assisted living, a residential care option that features daily meals, recreation and personal care, and seniors who need 24-hour medical support in a hospital-like environment pay about $4,659 for nursing home care. On the other hand, home health care, which features private skilled nursing services, comes in at a higher rate of around $5,339.

Texas Health and Human Services licenses memory care communities in Temple and the rest of the state as Type B assisted living facilities, meaning they provide 24-hour supervision and evacuation assistance in an emergency. The department requires facilities to comply with regulations regarding security, staffing and care planning, and it publishes information on caregiver training and residents’ rights.

• Texas doesn’t have a state income tax, making it one of the more retirement-friendly states in the nation for prospective memory care residents. The state sales tax rate tracks higher than national norms, but it exempts groceries and prescription and over-the-counter medications from taxation, reducing costs for residents managing chronic health conditions.
• Out of Texas’s 244 surveyed counties, Temple’s Bell County comes in at 82nd place for health factors and outcomes. The community experiences a higher mortality rate for individuals under 75 and has a life expectancy of 77.5 years, which is about a year below both Texas and U.S. averages. Additionally, only 36% of Medicare beneficiaries get the annual flu vaccine compared to 51% nationally, which may heighten the spread of illnesses among seniors. To promote residents’ health, memory care communities often have staff nurses or bring in licensed health care providers who administer routine care and monitoring.
• Baylor Scott & White Medical Center – Temple serves local memory care residents through dynamic inpatient and outpatient services, promoting access to care for age-related conditions, such as memory loss. It has a team of neurologists and neuroscientists who diagnose and treat cognitive disorders, such as Alzheimer’s, promoting access to cutting-edge treatments for seniors with dementia.
• The cost of living in Temple comes in 16% below the national norm and 11% below Texas’ average, mainly because of its affordable housing costs. This, combined with programs such as STAR+PLUS that fund residential services for qualified individuals, may make this city a budget-friendly option for memory care.
• Annually, Temple reports about 21 crimes per 1,000 people, with both violent and property-related offenses occurring at a lower rate here than in the nation as a whole. In neighborhoods such as Meador Grove/Moffat and Smith, crime occurs even less often, providing safe options for those seeking memory care services.