Understanding the Cost of Senior Assisted Living Biloxi, MS: A Comprehensive Guide

Assisted living in Biloxi, MS offers a unique blend of coastal charm and modern amenities that make it an ideal location to spend your golden years. With 26 miles of beautiful beaches, an upbeat downtown area, and a thriving community, you’ll find plenty to love about this Gulf Coast gem.

In this assisted living pricing guide, you’ll discover everything you need to know about senior living costs in Biloxi. We’ll break down the average prices, what impacts these costs, and tips to help you budget.

Lifestyle Perks Included in the Cost of Retiring in Biloxi

The city’s warm climate allows you to enjoy outdoor activities year-round, from golfing on pristine courses to fishing in the bountiful Gulf waters. You’ll love the slower pace of life here, where you can savor your morning coffee while watching the sunrise over the beach.

Biloxi’s rich cultural scene offers you endless opportunities for fulfilling experiences. You can:

• Explore local art galleries
• Attend live performances at the Saenger Theater
• Immerse yourself in the city’s fascinating history at the Biloxi Lighthouse and Beauvoir (Jefferson Davis’ historic home)

Moreover, the city’s diverse culinary landscape lets you indulge in fresh seafood and authentic Southern cuisine, with many restaurants offering scenic waterfront dining.

Average Cost of Assisted Living in Biloxi, MS

On average, you can expect to pay around $3,800 per month for assisted living in Biloxi. Keep in mind that prices can vary depending on the specific community and the level of care you need.

Compared to the national average of $5,350 per month, assisted living in Biloxi is relatively affordable. You’ll find that Biloxi’s retirement home fees are lower than many other parts of the country, stretching your retirement savings further. However, it’s important to note that within Biloxi itself, prices can range from about $4,263 to $6,380 per month.

When creating an assisted living budget, remember to account for potential price increases over time. Elder care expenses tend to rise slightly each year, so it’s wise to plan for these adjustments in your long-term financial plan.

Breakdown of Assisted Living Expenses

Base rent usually makes up the largest portion of your assisted living expenses, often accounting for about 50-60% of the total cost. Base rent covers your living space, whether it’s:

• A studio
• One-bedroom
• Larger apartment

The size and location of your unit within the community can impact this cost. Care services are another significant part of your expenses. These services are tailored to your specific needs and often include help with daily activities like:

• Bathing
• Dressing
• Medication management

The level of support you need relates directly to this portion of your costs. Meals and dining are typically included in your monthly fee. Most assisted living communities in Biloxi provide three meals a day, with choices to fit different diets. Some communities also offer snacks and drinks throughout the day.

Housekeeping and maintenance services are usually part of what you pay each month. You won’t have to worry about cleaning your apartment, doing laundry, or handling repairs, as these tasks are generally included in your fee.

While utilities like electricity, water, and basic cable are usually part of your monthly costs, you may need to pay separately for phone service or streaming.

Additional Care Costs to Consider

Entry fees are a one-time cost some communities charge when you first move in, kind of like a welcome fee. These can range from a few hundred to a few thousand dollars. The fee might cover things like deep cleaning your new apartment or adding safety features you need.

Pet fees are something to think about if you’re bringing a furry friend with you. Some communities charge a one-time pet deposit, while others might add a small amount to your monthly rent for pet-related services.

Laundry services for special items, like dry cleaning or hand-washing delicate clothes, might not be included in your regular laundry service. If you have clothes that need special care, you might need to budget for these extra cleaning costs.

Personal care items are typically not included in your monthly assisted living fee and can add up to a significant expense over time. You’ll need to budget for things like:

• Toiletries (shampoo, soap, toothpaste, deodorant)
• Incontinence products if needed
• Favorite brands of lotions or creams
• Personal grooming items like razors or nail clippers

Outside insurance policies are another important consideration. While Medicare doesn’t cover assisted living costs, you might want to look into:

• Long-term care insurance to help cover certain assisted living expenses
• Supplemental health insurance to help with medical costs
• Life insurance policies you may want to keep or adjust

Questions to Ask When Evaluating Costs

Asking detailed questions about costs can help you compare different communities fairly and find the best value for your money. Here are some key questions you should consider asking:

1. What’s included in the base monthly fee?
2. How often do prices typically increase, and by how much?
3. Are there any move-in specials or discounts available?
4. Are there any fees for social activities or outings?
5. Do prices change if you need more help over time?
6. Are there any penalties for breaking a lease or contract early?

Remember, it’s okay to ask these questions more than once or to different people in the community. You want to make sure you fully understand the costs before making your decision. Don’t be shy about asking for clarification if something isn’t clear. Your comfort and financial peace of mind are most important.

Experience The Best Assisted Living Biloxi Has to Offer

Choosing the right assisted living in Biloxi, MS is a big decision, but it’s also an exciting new chapter in your life. Take your time, ask plenty of questions, and trust your instincts.

SummerHouse Bay Cove continues to be a premier choice for seniors looking for quality care and a vibrant lifestyle in Biloxi. With our beautiful waterfront location and range of amenities, SummerHouse Bay Cove offers you the chance to enjoy your retirement years in peace.

We invite you to book a tour and explore SummerHouse Bay Cove.