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ElderCareCosts
UPDATED JUL 2026 · DATA AS OF 2025

Memory Care in Waco, Texas

Waco, TX has 9 licensed memory care providers listed on ElderCareCosts. The median estimated cost is $6,838/mo. That's below the Texas state median by about 3%. Compare providers below, or request a personalized shortlist to start your search.

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Median monthly price, Waco

$6,838/mo

Typical range $6,564 – $7,111

● Waco $6,838 ○ National median $8,160

Modeled estimate · 2025 dataEstimate; not a quoteDownload CSV
See all 9 providers →Compare costs →
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1. Call the county aging agency

Free: (254) 292-1800 (Heart of Texas AAA)

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3. Tour with the checklist

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What senior care costs in Waco

Waco figures as of 2025. Method and sources below.

Modeled memory-care ranges for Waco versus Texas and a multi-state national aggregate. Method: local assisted-living estimate plus a documented 20–30% premium band (not a Genworth memory-care survey median).

Memory Care cost comparison (2025)
Memory CareWacoTexasNational
25th percentile$6,564/mo$6,799/mo$7,833/mo
Median$6,838/mo$7,083/mo$8,160/mo
75th percentile$7,111/mo$7,366/mo$8,486/mo

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Source: Modeled estimate (opens in a new tab) · Updated 2025
Download CSVMethodology
Why is this number different on other websites? Most sites average "starting at" prices. Base rent, before care fees. We estimate the full monthly cost families actually pay. Budget from the all-in number. Our methodology →

What home care really costs by the hour

The $5,522 monthly figure assumes 44 hours of care a week. The survey standard. At Waco's implied rate of about $29 an hour:

Hours of careWhat it looks likeEst. monthly cost
20 hrs/weekMornings or afternoons, weekdays~$2,510
44 hrs/weekMost of every weekday$5,522
24/7 (168 hrs/week)Round-the-clock coverage~$21,084

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Ways families typically pay

  • Private pay (savings, income, home equity)
  • Long-term care insurance
  • VA Aid & Attendance for eligible veterans and surviving spouses
  • Medicaid home- and community-based services (HCBS) waivers, where eligible. Rules vary by state

Medicare generally does not cover long-term custodial care. State-specific Medicaid waiver guides are coming soon.

Nearby: Beverly Hills not published · Woodway not published · Willow Grove not published · Bellmead not published · Lacy-Lakeview not published

What can you afford?

Every family starts with a number. Here's what different monthly budgets realistically cover in Waco, grounded in local medians on this page.

Under $2,500/mo

Adult day, family care, or affordable senior housing

Adult day care in Waco runs about $1,883/mo at the median. Income-restricted affordable senior housing is often the real under-$2,500 path when eligibility fits. Waco lists 14 such properties in our directory. Call the county aging agency at (254) 292-1800 for free navigation help. Medicaid/waiver paths can stretch a tight budget when eligibility fits.
Affordable senior apartments →
$2,500 – $7,000/mo

Part-time home care or entry assisted living

Part-time home care often lands in this band (full survey month for in-home care is $5,522). Local assisted living median is $5,470/mo. Small homes can sit below that midpoint. Ask about waiver programs if Medicaid may apply.
Medicaid & waiver paths →
$7,000 – $11,000/mo

Assisted living with room to spare

Covers the Waco assisted living median ($5,470/mo) comfortably. Or near-full-time home care around the $5,522/mo survey month.
How families pay →
Over $11,000/mo

Nursing care or heavy home-care schedules

Nursing homes in Waco run about $5,433/mo at the median. Round-the-clock home care usually costs more. Compare before deciding.
How families pay →
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Every licensed memory care provider: 9

A note on counting: we show 9 licensed memory care providers listed for Waco proper. Other sites show bigger numbers when they count a wide radius. Nearby options are linked below, labeled by city.

How we rank these: we don't. Sort them yourself.

Providers appear with their government data: CMS star ratings where they exist, license status, capacity, and inspection history. You can sort them yourself. Nobody pays to appear, and nobody pays to move up. If a listing says "Sponsored," a provider paid for that placement and the label says so.

Looking for a transparent sort by CMS stars, inspection records, and staffing? That is a separate data ranking, not an editorial pick.

Sponsored placements, when they appear, are always labeled. How we make money →

Compare communities you choose
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Free local help worth saving

Waco has an estimated population of 143,570. About 19,292 residents (13%) are age 65 or older. Waco is located in McLennan County, Texas. The median household income is $54,365. Our directory currently lists 9 licensed memory care providers in Waco. Estimated median cost in Waco is $6,838 per month, compared with $7,083 per month statewide in Texas.

Source: US Census Bureau (ACS) · Updated Jul 2026.GOV

These services are public and free. We list them before anything we could earn from.

  • Heart of Texas AAA(254) 292-1800hotcog.org

    Area Agency on Aging serving this city.

    State aging agency
  • Texas Long-Term Care Ombudsman Program1-800-252-2412hhs.texas.gov

    State Long-Term Care Ombudsman program.

    State LTC Ombudsman
  • Health Information Counseling and Advocacy Program (HICAP)1-800-252-9240hhs.texas.gov

    State Health Insurance Assistance Program (SHIP).

    Medicare counseling (SHIP)
  • Texas Aging & Disability Resource Centers1-855-937-2372hhs.texas.gov

    Aging & Disability Resource Center hub for this state.

    State aging agency
  • Doris Miller Department of Veterans Affairs Medical Centerva.gov

    VA Medical Center in Waco.

    VA open data
  • STAR+PLUSOfficial program page

    Can help pay for care if your parent qualifies. Rules change. Confirm on the official page.

    State Medicaid program
  • Veterans options in Waco

    1 licensed VA Community Living Center / State Veterans Home, sourced from VA Access to Care.

    Waco TX CLC

    VA Aid & Attendance overview →
    VA open data

Free national starting points. Official sites only; we do not scrape these directories.

Veterans & surviving spouses: VA Aid & Attendance can help wartime veterans who qualify. Official info only. How Aid & Attendance works →

Questions families ask

How many memory care providers are listed in Waco, TX?

We currently list 9 licensed memory care providers in Waco, TX.

Is memory care in Waco more expensive than the rest of Texas?

Waco's median memory care cost is about 3% lower than the Texas state median.

Want a Waco shortlist?

Tell us needs and budget once. We send licensed matches with real prices. Data stays free either way.

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Reading up first? Memory Care across Texas → · Memory Care cost breakdown → · Memory Care vs Assisted Living →

Touring this week? Print our checklist: what to ask on a tour, what to notice, and the license paperwork to request. Free, no email required. Optional send-to-email when you want it on your phone.

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Trust & methodology

Cite this: According to ElderCareCosts' 2026 index, memory care in Waco, TX costs $6,838/month (median).