Elder Care Index

What It Costs Across Mississippi

Understanding memory care costs in Mississippi means looking beyond the statewide median. While the median is around $4,375 per month, prices fluctuate significantly by region. For instance, you can expect to pay an average of $4,572 per month for memory care statewide in 2024. Jackson stands out as the most expensive city, with costs averaging around $5,685 monthly, while more rural areas in Mississippi can be as low as $3,379 per month. Other cities like Gulfport average $4,969 per month, and Hattiesburg is around $5,406 per month.

Memory care typically carries a premium over standard assisted living in Mississippi, often costing 20-30% more. This additional cost can range between $893 and $1,040 per month. This premium is driven by the specialized care required for individuals with dementia. It includes factors like enhanced security features, such as controlled entry and exits and secure outdoor spaces, to prevent wandering. Facilities also maintain higher staff-to-resident ratios and employ staff with specific training in dementia care, including a registered nurse or licensed practical nurse on every shift. Additionally, specialized therapeutic activities and on-site social services contribute to the higher cost.

Finding a Quality Facility

In Mississippi, memory care doesn't operate under a standalone license. Instead, facilities are licensed as "Personal Care Homes" (either Residential Living or Assisted Living) that have met additional requirements to establish an Alzheimer's Disease/Dementia Care Unit. This special designation will be printed on their licensure certificate.

A quality memory care facility in Mississippi goes above and beyond basic assisted living standards. Look for communities that provide daily therapeutic activities tailored by a certified therapeutic recreation specialist and offer on-site social services from a licensed professional. Staff should receive ongoing quarterly training specific to dementia care. These facilities must also maintain a registered nurse or licensed practical nurse on all shifts and ensure at least two staff members are always present in the unit. There are roughly 30 memory care communities or personal care homes licensed to admit residents with dementia in the state. To verify a facility's credentials and check for an Alzheimer's Disease/Dementia Care Unit designation, you can consult the Mississippi State Department of Health's directory. For details on inspection reports or violations, which aren't available online, reach out to your county's long-term care ombudsman or call 1-888-844-0041.

Paying for Memory Care

Navigating the financial aspects of memory care can feel overwhelming. In Mississippi, Medicaid does not directly cover the cost of room and board in memory care facilities. However, the Assisted Living (AL) Waiver through Mississippi Medicaid can help cover the cost of care services, such as personal care and medication oversight, for eligible individuals in specialized assisted living facilities. To qualify for this waiver, your loved one must meet specific income and asset limits, generally an income below $2,829 per month and countable assets less than $4,000 for an individual in 2024, and be assessed as needing a nursing home level of care to avoid institutionalization. Keep in mind that this waiver is not an entitlement, so a waiting list may exist.

Many families end up paying out of pocket, or using private long-term care insurance. Veterans and their surviving spouses may be eligible for the Aid and Attendance benefit, which offers financial assistance for those needing help with daily activities. For free guidance on long-term care and state benefits, the Mississippi Access to Care (MAC) Center is a valuable resource; you can reach them at 844-822-4622. Additionally, the Alzheimer's Association Mississippi Chapter is a crucial local resource, offering support groups, educational programs, and a 24/7 Helpline at 800-272-3900 for those impacted by Alzheimer's and their caregivers.

Last updated: March 2026. Sources: Genworth 2024, state licensing agency.