Independent Living in Texas

How much does independent living cost in Texas?

Independent living is the most affordable senior-living option because no personal-care services are included. Some communities require an upfront entry fee in exchange for guaranteed access to higher levels of care later (continuing-care retirement communities or CCRCs). Medicare and Medicaid don't cover independent living.

Texas is a state where the cost of living is almost 9 points below the national average, making it a great state to move to if you're on a budget. Where Texas excels is its housing costs, which are nearly 17 points below the national average. Also, Texas has a median home cost of over $100K below the national average. You will have to pay more for utilities, which are over 3 points above the norm, but otherwise, Texas is an affordable state to move to for a retiree. There's a reason why many are moving here, from its low taxes to its high boots. Visit there and see how it fares you. Texas's cost-of-living index is 91.5 (100 = US average). The median home price is around $172,500. Average rent runs about $1,045 a month.

Independent Living in Texas: common questions

How much does independent living cost in Texas?

Texas is a state where the cost of living is almost 9 points below the national average, making it a great state to move to if you're on a budget. Where Texas excels is its housing costs, which are nearly 17 points below the national average. Also, Texas has a median home cost of over $100K below the national average. You will have to pay more for utilities, which are over 3 points above the norm, but otherwise, Texas is an affordable state to move to for a retiree. There's a reason why many are moving here, from its low taxes to its high boots. Visit there and see how it fares you. Independent Living runs $2,500 - $6,000 per month (US, 2026) nationally, and costs vary across Texas by city, care level, and community.

How many independent living communities are in Texas?

We list 98 independent living communities across 19 cities in Texas. Browse by city below to compare and request pricing.

What's the difference between independent living and a 55+ apartment complex?

A 55+ apartment complex is age-restricted housing - that's it. Independent living communities are purpose-built for seniors with shared dining, organized activities, transportation, and often a continuum of care on the same campus. Independent living costs more but includes amenities and a built-in community.

Can you bring your spouse?

Yes. Many independent-living residents move in as couples. Communities have two-bedroom floor plans and accommodate couples even if one partner later needs assisted living.

What is a CCRC?

A continuing-care retirement community (CCRC) is a campus that offers independent living, assisted living, memory care, and often skilled nursing all on the same site. Residents move in independent and have guaranteed access to higher care levels if their needs change. CCRCs usually require an upfront entry fee plus monthly rent.