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Costs of Assisted Living in Mississippi

While the average cost of a monthly stay in an Assisted Living Facility in the United States is $3,628, the average in the state of Mississippi is lower at $3,200. This is partly because Mississippi has a much lower cost of living than the nationwide average. Housing, one of the integral components of Assisted Living care, is 40% less, on average, in the state of Mississippi than it is in the United States. Within the state of Mississippi, the monthly fees associated with assisted living facilities vary from almost $3,100 in the Gulfport Area of Mississippi to around $4,500 in Hattiesburg, Mississippi. Costs also vary within facilities depending on the needs of the residents, the staff to resident ratio necessary to provide adequate care to residents, and the level of nursing care – as opposed to attendant care – necessary for the residents.

Adult Day Health Care and Home Health Care are preferred whenever possible over Assisted Living Care in many cases because they allow the person to remain living at home while still getting the help that they need. A Home Health Aide in Mississippi costs, on average, close to $3,250 a month – $39,000 per year. Adult Day Care in Mississippi costs on average $1,500 or a bit over $17,400 annually.

On the other end of the Long-Term Care spectrum is Nursing Facility care which is necessary when a person needs round the clock nursing care. Currently, it is estimated that a semi-private room in a Nursing Facility in Mississippi costs around $76,00 per year, and a private room will cost over $79,000 annually.

As the number of seniors increase, the regulations for nursing facilities increase as well. By the year 2030 it is estimated that the cost of Assisted Living in Mississippi will be close to $58,000 per year. The cost of Nursing Home Care will increase to approximately $115,300 for a semi-private room and over $119,00 for a private room by 2030.

            These are the latest approximate costs of a monthly stay in an Assisted Living Facility in Mississippi:

  • Gulfport Area, Mississippi - $3,083;
  • Jackson, Mississippi - $3,875; and
  • Hattiesburg, Mississippi - $4,523.

Assisted living services and amenities in Mississippi

In Mississippi, assisted living facilities provide a range of services and amenities designed to support individuals who need help with daily activities but do not require full-time medical care. These services are tailored to meet the specific needs of residents, ensuring a comfortable and safe living environment.

Personal Care Assistance

Assisted living facilities in Mississippi offer help with daily activities, such as bathing, dressing, grooming, and toileting. Care staff is available to assist residents who need help with mobility or transfers, ensuring their safety and comfort.

Medication Management

Facilities provide medication management services, including assistance with taking medications on time, refilling prescriptions, and monitoring any potential side effects. Many locations have licensed nurses on staff to oversee these services and ensure proper administration.

Housekeeping and Laundry Services

To maintain a clean and comfortable environment, assisted living facilities in Mississippi offer regular housekeeping services, including cleaning of private rooms and common areas. Laundry services are also provided, with staff handling residents' clothes and bedding.

Meal Services

Most Mississippi assisted living facilities offer three nutritious meals a day, tailored to meet the dietary needs of residents. Special dietary requirements, such as low-sodium or diabetic diets, can typically be accommodated. Snacks and beverages are often available throughout the day as well.

Social and Recreational Activities

Residents are encouraged to engage in social and recreational activities designed to enhance their quality of life. Assisted living facilities in Mississippi provide various programs, including exercise classes, arts and crafts, game nights, movie screenings, and group outings. These activities aim to promote socialization, mental stimulation, and physical wellness.

Transportation Services

Many facilities offer scheduled transportation for medical appointments, grocery shopping, and recreational outings. These services help residents maintain independence while ensuring they have access to essential services and community activities.

24-Hour Staffing and Security

Assisted living facilities in Mississippi ensure that staff is available around the clock to provide assistance in emergencies or daily needs. Many facilities have security features such as locked entrances, surveillance cameras, and emergency call systems in resident rooms for added safety.

On-Site Health and Wellness Services

While not offering full-time nursing care, many assisted living facilities in Mississippi have partnerships with healthcare providers, allowing for regular visits from physicians, physical therapists, or specialists. Some locations may offer on-site wellness programs or clinics to monitor residents' health.

Memory Care

Some Mississippi assisted living facilities offer specialized memory care for individuals with Alzheimer’s disease or other forms of dementia. These areas are designed with added safety features, and staff is trained to provide specialized care and supervision for residents with memory impairments.

Religious and Spiritual Services

Many assisted living communities in Mississippi offer religious services, such as weekly chapel services, Bible studies, or transportation to local places of worship. This allows residents to continue practicing their faith in a supportive environment.

Pet-Friendly Policies

Some facilities allow pets, recognizing the therapeutic benefits that pets can provide to residents. Pet-friendly policies vary by location, but many Mississippi assisted living communities welcome small pets, which can contribute to residents' emotional well-being.

Beauty and Barber Services

On-site beauty and barber services are common amenities in Mississippi assisted living facilities. These services help residents maintain personal grooming and appearance, with haircuts, styling, and other beauty treatments available on-site.

Emergency Call Systems

Every resident room is typically equipped with an emergency call system, allowing residents to request immediate assistance if needed. This system provides peace of mind for residents and their families, knowing that help is always within reach.

Types of Mississippi Assisted Living Communities

Mississippi offers a variety of assisted living options to accommodate the diverse needs of its aging population. These communities provide personalized care to seniors who need assistance with daily activities but do not require the intensive care of a nursing home. The types of assisted living communities in Mississippi can be categorized based on the level of care, the amenities offered, and the target demographic. Here are some of the main types:

1. Traditional Assisted Living Facilities

These are the most common type of assisted living communities in Mississippi. They offer a combination of personal care services, such as help with bathing, dressing, medication management, and meals. Residents typically live in private or semi-private apartments, and they have access to communal dining areas, activity rooms, and outdoor spaces. The care provided is generally non-medical, focusing on daily living assistance and promoting independence.

2. Memory Care Communities

Designed for individuals living with Alzheimer’s disease, dementia, or other cognitive impairments, memory care communities in Mississippi offer specialized care. These facilities have trained staff who can assist with memory-related challenges and ensure the safety of residents. Memory care units typically feature secure environments to prevent wandering and may provide therapies and activities designed to enhance cognitive function. Many of these communities also offer support for family members through counseling and education programs.

3. Respite Care Communities

Respite care communities are designed to give primary caregivers a temporary break while ensuring their loved one continues to receive the care they need. In Mississippi, these communities provide short-term stays, usually ranging from a few days to several weeks. The services provided are similar to those in traditional assisted living, including personal care, meals, and social activities. Respite care can be ideal for caregivers needing rest or assistance while on vacation or dealing with their own health issues.

4. Independent Living with Assisted Services

Some Mississippi communities offer a combination of independent living and assisted living services. In these settings, residents live independently in their own apartments or cottages but have access to support services like housekeeping, meals, and transportation if needed. This type of community appeals to seniors who want to maintain a level of autonomy but may require help with some aspects of daily life. The focus is on preserving independence while offering assistance as needed.

5. Continuing Care Retirement Communities (CCRCs)

Continuing Care Retirement Communities (CCRCs) in Mississippi provide a continuum of care that includes independent living, assisted living, memory care, and skilled nursing care. These communities are ideal for seniors who want to age in place, as they can move to higher levels of care as their needs change over time. CCRCs typically require an entrance fee or a long-term contract, but they provide peace of mind, knowing that residents will have access to various levels of care without having to move to a different facility.

6. Boutique Assisted Living Communities

Boutique assisted living communities in Mississippi are smaller, more intimate settings that provide a high level of personalized care. These communities often have fewer residents, which allows for a more customized experience. They may offer luxury amenities such as gourmet meals, spa treatments, and tailored social programs. This type of facility tends to be more expensive due to its specialized services and personalized attention.

7. Veterans Assisted Living Communities

Mississippi offers specialized assisted living communities for veterans who require care. These facilities are designed to meet the unique needs of military veterans, providing not only general assistance with daily living activities but also social support for veterans and their families. Some of these communities offer additional services, such as counseling, support for PTSD, and coordination with veteran-specific healthcare services.

8. Faith-Based Assisted Living Communities

Many assisted living communities in Mississippi are faith-based, providing an environment where spiritual well-being is a key part of the care offered. These communities often incorporate religious practices, such as prayer, religious services, and spiritual counseling, into their daily activities. Faith-based assisted living communities can provide comfort and a sense of belonging for seniors who wish to maintain their religious practices as part of their overall care.

9. Rural Assisted Living Communities

In rural parts of Mississippi, assisted living communities are designed to meet the needs of seniors in less urbanized areas. These facilities may be smaller and more closely knit, providing a community-focused environment. They may also offer a more relaxed atmosphere with access to nature, gardening, and outdoor activities. While they may not have as many amenities as those found in urban areas, rural assisted living communities emphasize personal connections and individualized care.

Safety and security measures in Mississippi assisted living facilities

Mississippi assisted living facilities implement a variety of safety and security measures to ensure the well-being of their residents. These measures are designed to address the unique needs of elderly individuals who may require assistance with daily activities while still maintaining their independence. Key safety and security features in these facilities include:

1. 24-Hour Staff Availability

Most assisted living facilities in Mississippi have staff available around the clock. This ensures that residents can receive immediate assistance in case of an emergency, whether it's a medical situation or a general safety concern. Staff members are trained to respond quickly to medical needs, including monitoring for any signs of health deterioration.

2. Emergency Response Systems

Facilities are equipped with emergency call systems that allow residents to alert staff if they need help. These systems often include emergency buttons or wearable pendants that can be activated at any time. In case of a fall, medical issue, or other emergency, residents can summon assistance instantly, ensuring a rapid response.

3. Secure Entry Points

Many assisted living facilities in Mississippi implement controlled access to their buildings. This may include locked doors or gates at the entrance to prevent unauthorized individuals from entering the facility. This measure is particularly important for residents who may be vulnerable to wandering or individuals with dementia-related conditions. Family members and approved visitors are given access codes or keys to ensure security without impeding necessary visits.

4. CCTV Surveillance

Video surveillance is commonly used in Mississippi assisted living facilities to monitor hallways, common areas, and entrances. Cameras help ensure the safety of both residents and staff. Surveillance footage can be reviewed in case of an incident, providing added security and peace of mind for families.

5. Fire Safety and Evacuation Plans

Fire safety is a top priority, with facilities adhering to strict fire prevention regulations. This includes the installation of smoke detectors, fire alarms, and sprinkler systems in all rooms and common areas. Staff are trained in evacuation procedures, and the facility has a detailed emergency evacuation plan that is practiced regularly to ensure everyone knows what to do in the event of a fire or other disaster.

6. Fall Prevention Programs

To address one of the most common hazards for elderly individuals, Mississippi assisted living facilities often implement fall prevention programs. This includes the use of non-slip flooring, handrails in hallways and bathrooms, and providing staff to assist residents with mobility. In some cases, rooms are equipped with fall detection technology that can immediately alert staff if a resident falls.

7. Medication Management

Safety in medication administration is a critical aspect of assisted living care. Staff are trained to assist residents with medication management, ensuring that medications are taken correctly and on time. Facilities often have locked storage for medication, and some use computerized systems to track medication schedules, reducing the risk of errors.

8. Resident Monitoring Systems

Facilities may use personal monitoring systems for residents, especially those with health conditions such as dementia or Alzheimer's disease. These systems can track residents' movements within the facility and alert staff if a resident leaves a designated safe area, helping to prevent wandering. This ensures residents are safe and can be quickly located in case of a health emergency.

9. Health and Wellness Checks

Regular health and wellness checks are performed by on-site or visiting healthcare professionals to monitor the condition of residents. Routine assessments help identify any changes in health, ensuring early intervention when needed. This also includes monitoring vital signs and other health indicators to prevent any complications from escalating.

10. Personalized Care Plans

Each resident in an assisted living facility in Mississippi typically has a personalized care plan designed to meet their specific needs. These plans are regularly updated based on changes in health status or mobility. The staff’s knowledge of each resident’s care needs adds an additional layer of safety and security, allowing them to provide more effective, individualized support.

11. Visitor Protocols

Mississippi assisted living facilities often have structured visitor protocols to enhance security. This can include sign-in procedures for all visitors, background checks for those who have regular access, and scheduled visiting hours to maintain a sense of order and control over who is on the premises.

12. External and Internal Lighting

Adequate lighting, both outside the building and inside, is vital for safety, especially in the evening hours. Well-lit hallways, parking lots, and entrances reduce the risk of accidents and improve visibility. Additionally, interior lighting in common areas and bathrooms helps prevent falls, ensuring residents can navigate safely.

Moving to Mississippi Assisted Living Facilities

Moving to an assisted living facility in Mississippi can be an important decision for individuals seeking support with daily activities while maintaining independence. Mississippi offers a variety of options for those considering relocation, whether for medical, financial, or lifestyle reasons. Here's a comprehensive guide to navigating the process of moving to an assisted living facility in the state.

Research and Understanding Local Regulations

Mississippi has specific regulations governing assisted living facilities to ensure quality care. The Mississippi State Department of Health (MSDH) oversees these regulations, which include licensing requirements for facilities, staff training, and resident care standards. Before moving, it’s crucial to familiarize yourself with the local regulations and assess how they align with your specific care needs.

Identifying the Right Assisted Living Facility

There are a variety of factors to consider when selecting an assisted living facility in Mississippi. Some key considerations include:

  • Location: Mississippi is known for its southern charm, and choosing a location that aligns with your lifestyle is essential. Consider proximity to family, friends, healthcare facilities, and amenities like parks and shopping centers. Popular areas include Jackson, Biloxi, and Oxford, but each region offers unique features.

  • Services and Amenities: Assisted living facilities vary in the services they provide. Many offer personal care assistance, meals, housekeeping, and recreational activities. Some might also offer memory care, transportation, or specialized health services. Ensure the facility you choose can meet your specific needs.

  • Cost and Financing: The cost of assisted living in Mississippi is generally lower than the national average, but it varies depending on the location and the level of care needed. Mississippi's facilities may accept Medicaid, and some offer private pay options or long-term care insurance. Check with the facility regarding payment methods and financial assistance programs.

  • Staffing and Quality of Care: Mississippi has staffing requirements for assisted living facilities, and facilities are expected to provide adequate care around the clock. Look for facilities with a good reputation for quality care and well-trained staff. Visiting the facility, speaking to staff, and reviewing online ratings and reviews can help determine if the facility is a good fit.

Understanding Financial Assistance Options

Mississippi provides several financial assistance programs for those in need of help covering the costs of assisted living. Key programs include:

  • Mississippi Medicaid: Medicaid provides financial assistance for individuals who meet income and asset eligibility criteria. Mississippi's Medicaid program covers services for eligible seniors, including assistance with personal care. Be sure to check if the facility you're considering accepts Medicaid and whether you qualify.

  • Veterans’ Benefits: If you or a spouse served in the military, there may be financial assistance through the U.S. Department of Veterans Affairs (VA). Mississippi facilities may accept VA benefits to help cover the cost of care.

  • Long-Term Care Insurance: Many people choose long-term care insurance policies that can help cover the cost of assisted living services. Ensure your policy covers the type of care you need and is accepted by the facility you are considering.

Preparing for the Move

Once you've chosen the right facility, the next step is preparing for the move. It’s a good idea to:

  • Visit the Facility: Make sure you’re comfortable with the facility’s layout, staff, and atmosphere. Speak to current residents or their families to get firsthand feedback.

  • Plan for Transition: Moving into an assisted living facility can be an emotional experience. Work with the facility’s staff to ensure a smooth transition, including scheduling medical assessments, setting up personal belongings, and arranging transportation.

  • Notify Important Parties: Notify your doctor, pharmacy, and other important contacts of your change of address and care location. Update any relevant legal documents, such as a power of attorney, if needed.

Legal and Health Considerations

Mississippi law requires that assisted living facilities obtain written consent from residents or their representatives before providing personal care services. Additionally, many facilities require a comprehensive medical evaluation to ensure that residents’ health needs can be met. Be prepared to provide detailed health records, prescriptions, and any necessary legal documentation when moving into a facility.

Assisted Living Regulations and Requirements in Mississippi

In Mississippi, assisted living facilities are regulated by the Mississippi State Department of Health (MSDH) through the Division of Health Facilities. The state establishes specific requirements to ensure the safety, health, and well-being of residents in these facilities. These regulations cover aspects such as licensing, staffing, physical environment, care services, and resident rights.

Licensing Requirements

Assisted living facilities in Mississippi must be licensed by the MSDH. To obtain and maintain a license, facilities must meet specific criteria outlined in the Mississippi Code of Regulations. The license is issued for a one-year term and is subject to renewal. To apply for a license, facilities must submit an application, pay the appropriate fees, and undergo an inspection to ensure compliance with state standards. The MSDH conducts regular inspections to monitor facilities for adherence to regulations.

Staffing and Personnel

Mississippi law mandates that assisted living facilities employ staff who are appropriately trained and qualified to provide care to residents. The staffing requirements include the following:

  • Administrator: Each facility must have a licensed administrator who oversees daily operations. The administrator must complete a certification program and have experience in health care or management.
  • Nurses: Facilities must have registered nurses (RNs) or licensed practical nurses (LPNs) on staff, although the requirement for nurse staffing levels may vary based on the number of residents and the level of care required.
  • Personal Care Aides: Direct care staff, such as personal care aides, must undergo training in areas like medication management, infection control, and emergency response. They must also receive ongoing training and meet competency standards.
  • Staff-to-Resident Ratio: Mississippi regulations specify a minimum number of staff required for a given number of residents, though the exact ratio depends on the level of care provided and the facility's capacity.

Physical Environment and Safety Standards

Assisted living facilities must comply with regulations regarding building and fire safety, ensuring a safe and accessible living environment for all residents. Key physical environment requirements include:

  • Space: Each resident’s living space must meet specific size requirements, typically a minimum of 100 square feet per resident in private rooms, with larger accommodations for multiple residents.
  • Accessibility: The facility must be designed to be accessible to individuals with disabilities, including features such as ramps, elevators, and wider doorways.
  • Fire Safety: Facilities must implement fire safety protocols, including the installation of fire alarms, sprinklers, and regular fire drills. Emergency exits must be clearly marked, and evacuation plans should be in place.
  • Cleanliness and Maintenance: The facility must maintain a clean, sanitary, and comfortable environment, with regular cleaning and maintenance schedules.

Care and Services Provided

Assisted living facilities in Mississippi must provide a range of services designed to assist residents with activities of daily living (ADLs), such as:

  • Personal Care: Assistance with bathing, dressing, grooming, and other personal care tasks.
  • Medication Management: Facilities must have policies in place for the administration and management of medications, which may include staff assistance or self-administration with oversight.
  • Meal Services: Facilities are required to provide three meals a day, with special dietary accommodations available as needed.
  • Social and Recreational Activities: Assisted living facilities must offer social and recreational programs to promote engagement and quality of life for residents.

Resident Rights and Protection

Mississippi regulations emphasize the rights of residents in assisted living facilities. These include:

  • Right to Dignity and Respect: Residents must be treated with dignity and respect by all facility staff.
  • Privacy: Residents have the right to privacy in their living spaces and during medical care.
  • Informed Consent: Residents or their legal representatives must provide informed consent for medical treatments and services.
  • Grievance Procedures: Assisted living facilities must have a process in place for residents or their families to file complaints or grievances about the facility’s services or treatment.

Reporting and Inspections

Assisted living facilities are subject to unannounced inspections by the Mississippi State Department of Health to ensure compliance with the state’s regulations. These inspections assess the facility’s adherence to licensing standards, staffing requirements, care services, and physical environment. Facilities are also required to report any incidents, such as serious injuries, to the MSDH.

In the case of violations, the department may issue citations, impose fines, or revoke the facility’s license. Facilities are given the opportunity to correct deficiencies within a specified period and may face sanctions for non-compliance.

Mississippi Senior Living CommunitiesMississippi is a state in the southern region of the United States. The narrow coast of Mississippi is bordered on the south by the Gulf of Mexico, Tennessee to the north, Alabama to the east, Louisiana to the south. On the west of the state is the Mississippi River, across which are the states of Louisiana and Arkansas. With a population of close to three million residents, it is the 32nd most populous state in the United States and has a population density of 63.5 residents per square mile, also 32nd in the nation. The area of the state is 48,430 square miles, with 3% of the total area being water. Besides the Mississippi River, there are other major rivers in the state, including: Big Black River; Pearl River; Yazoo River; Pascagoula River; and the Tombigbee River.

The capital of the state is Jackson, which is the largest city as well. The state of Mississippi has some stunningly beautiful areas, particularly along the coast, however it is a state with its share of problems. It ranks 50th, or last place, among all states for health care, a higher rate of obesity than most other states, and has the lowest per capita income of any state.

Mississippi has the 36th highest percentage of seniors, with 12.8% of the residents aged 65 or older. It is also one of only six states to have a certified retirement community program and 21 communities that have passed a rigorous certification process. Some of these communities include Aberdeen, Brandon, Brookhaven, Clinton, Corinth, Hattiesburg, Laurel, Madison, McComb, Meridian, Mississippi Gulf Coast, Natchez, Oxford, Picayune, Tupelo, Vicksburg, and West Point.

Although it is often thought of as an economically disadvantaged state, it has some beautiful areas that are hard to beat, however is the state of Mississippi, the “Magnolia State” a good option for senior citizens who are looking to retire?

Pros and Cons of Senior Living in Mississippi

Here are some important to consider for seniors when choosing whether to retire to Mississippi:

  • Cost of Living – the state has a lower cost of living that the nationwide average. On a 100-point scale, the cost of living in Mississippi is 84.50;
  • Crime Rate – the rate of violent and property crimes in the Mississippi are comparable with the national average. The crime rate for violent crimes is 2.76 and for property crimes it is 28.34, while the United States median is 3.8 for violent crimes and 26 for property crimes. The chances of become a victim of a violent crime in Mississippi is 1 in 363 and 1 in 35 for property crimes. Mississippi has a crime rate of 21 crimes per square mile, as compared with the national median of 32.85;
  • Taxes – Mississippi is very tax-friendly towards seniors, with the total tax burden less than 9% - the 14th highest in the United States;
  • Affordable Housing – The largest difference in the Cost of Living in Mississippi versus nationwide is in housing. On a 100 point-scale Mississippi’s housing costs are at 60. There is also a homestead exemption and bonus tax exemptions for those who are age 65 and older;
  • Education System – Mississippi ranks low when it comes to education in the nation. Although there is not necessarily a proven correlative relationship, many feel that good schools lead to good quality life in other aspects, such as connection between local education and local cultural life;
  • State Attractions – besides the Gulf of Mexico and Mississippi beaches (which are surprisingly beautiful), there are casinos, restaurants, shopping, and National Parks available in Mississippi;
  • Health – Mississippi leads the nation in poverty rates and has the highest obesity rate of all 50 states. Although this doesn’t mean that those who move to Mississippi will become obese or poor, it does present a problem to those of retirement age as the health care in Mississippi, or the lack of access to health care, can be a problem;
  • Weather – especially due to its proximity to the Gulf of Mexico, the summers in Mississippi are humid, hot, and filled with mosquitos. On the positive side, the winters are very mild;
  • Homeowner’s Insurance – the cost of homeowner’s insurance is lower in Mississippi, however in areas near the Gulf where Hurricane Katrina destroyed communities and lives, the rates of insurance have increased dramatically;
  • Certified Retirement Community Program Access – Mississippi is one of only six states that takes part in the Certified Retirement Community Program which is designed to encourage economic development by attracting retirees to move there. The state of Mississippi has 21 “Certified Retirement Cities.”

Financial Information for Mississippi Seniors

Mississippi’s income tax system is based on three tax brackets – with rates of 3%, 4%, and 5%. The state allows for the same deductions as does the IRS.

            Mississippi’s state sales tax is 7%, except in the city of Jackson, Mississippi’s capital, which collects an additional 1%, making the total sales tax 8% in Jackson. Taxes are collected on sales of tangible personal property and certain services in the state, including: installation or repair of HVAC units, bowling fees, car-washing, electricians, furniture repair, hotels, motels, laundering, dry cleaning, parking lots, parking garages, television services, woodworking, and carpentry. Tangible personal property includes most physical goods such as furniture and clothing, but there are exceptions.

            Mississippi is one of only two states in the nation that taxes all food all the full sales tax rate, including groceries and prepared food. In addition, there are additional restaurant taxes in certain areas of the state. However, one item that is not taxed that is often especially important to senior citizens is prescription drugs.

            There are two sales tax holidays in the state which occur at different times of the year. The first is usually on the last weekend of July and during this weekend clothing and shoes items that cost less than $100 can be bought tax-free. The second tax-free holiday is called the “Mississippi Second Amendment Sales Tax Holiday” which happens on the first weekend in September. During this weekend firearms, ammunition, and other hunting supplies are exempt from state sales taxes.

            Property taxes in Mississippi are some of the lowest in the entire United States, with the average property tax rate at just 0.77% - the 15th lowest in America. Due to the lower home values in the Magnolia State, the total property tax payment in Mississippi is just $768, which is the fifth lowest payment in the country. Mississippi also allows for a “homestead exemption,” providing that the person’s home is their principle residence, which gives homeowners a credit of up to $300 in taxes based on the first $75,000 of the value of the home. For senior citizens over the age of 64, the first $75,000 of the value of the home is totally exempt. As the median home value in the state of Mississippi is around $100,000, this reduces the amount of property tax for seniors by more than half.

There is neither an inheritance tax nor an estate tax in the state of Mississippi. The state also does not tax Social Security earnings, retirement account withdrawals or any pension earnings, whether private or public.

Mississippi has a lower cost of living than most other states, in fact it is the state with the lowest cost of living in the nation. Housing is the biggest factor in the cost of living difference. Out of 100 points, Mississippi ranked lower than the national average with a cost of living of 84.50. Mississippi rated lower than the average overall (85) and in the categories of: health (93), housing (60), transportation (96), grocery (93.1), and miscellaneous (97). The only category in which it ranked higher was in utilities, at 105.

Places of Interest for Seniors Living in Mississippi

Mississippi has some historic and beautiful attractions that are interesting for people of all ages. Here are some ideas of things that senior citizens may enjoy in Mississippi:

  • Vicksburg National Military Park – located in Vicksburg, Mississippi. Once the site of a bloody 47-day battle during the Civil War, this is now an 1800-acre park that contains 1,300+ historic markers and monuments, a 16-mile tour road, 20 miles of historic trenches, a 12.5-mile walking trail, 144 cannons, two antebellum homes, the restored gunboat USS Cairo, and the Grant’s Canal Site. Within the Park is the 116.28-acre Vicksburg National Cemetery with 18,244 internments of which 12,954 remain unidentified. It was added to the National Register of Historic Places on October 15, 1966;
  • Natchez Trace Parkway, located in Natchez, Mississippi. This is a National Parkway that commemorates the historic Old Natchez Trace and has preserved parts of the original trail. It is a parkway with two lanes that is 444 miles from Nashville, Tennessee to Natchez, Mississippi.
  • B.B. King Museum – located in Indianola, Mississippi – a Delta blues museum that is in Indianola, Mississippi, the hometown of B.B. King. The museum opened on September 13, 2008 and features a restored brick cotton gin where B.B. King worked during the 1940s. In 2015, B.B. King was buried at the museum in a planned memorial garden;
  • Biloxi Lighthouse – located in Biloxi, Mississippi. It was originally built in 1848 as one of the first cast-iron lighthouses in the South. It was operated by civilians from 1848-1939, including several female lightkeepers, in fact the Biloxi Lighthouse has been kept by female lightkeepers for longer than any other lighthouse in the nation. In 1939, the U.S. Coast Guard took over the responsibility and maintenance of the lighthouse. In 1968, the Biloxi Lighthouse was given to the city of Biloxi and eventually was opened to the public. The lighthouse has withstood many storms, including Hurricane Katrina when the storm surge reached 1/3 of the way up the 64-foot-tall structure. In March of 2010, the city re-opened the lighthouse to public tours after a $400,000 restoration. In 1973, it was listed on the National Register of Historic Places and in 1987 it was declared a Mississippi Landmark;
  • Anchuca Mansion – aka as the Victor Wilson House, located in Vicksburg, Mississippi. Here, seniors will find a historic Greek Revival house in Vicksburg that was built in 1830 by J.W. Maudlin. In 1840, it was purchased by Victor and Jane Wilson who added a two-story portico to the front of the house. The name Anchuca is purported to translate to “happy home” in the Choctaw Language. The house was lived in by Joseph Emory Davis, the older brother of Confederate President Jefferson Davis, and his granddaughter from 1868 until 1870. Jefferson Davis made one of his last public addresses to the residents of Vicksburg in 1869 from the balcony of the house. It was added to the National Register of Historic Places in 1982 and as of 2008 it is an operating Bed and Breakfast;
  • Elvis Presley Birthplace – located in Tupelo, Mississippi. Here, the elderly Mississippi residents will find a museum in Tupelo, Mississippi which includes the birthplace of Elvis Presley, a museum, a chapel, and the “Assembly of God” Church the family attended. It is also listed on the Mississippi Blues Trail.
  • Waverly Mansion – located in West Point, Mississippi, this is one of the most prominent antebellum plantation residences in the South. Construction began in the 1840s and was completed in 1852. This home has 65-foot high entrance hall that is crowned by an octagonal cupola. It was originally owned by George Hampton Young, a colonel from Georgia, and was a community that was self-sustaining - with orchards, livestock and gardens. It is thought that the first saddle blankets that were produced in America were created at Waverly. When the last of the Young family died, in 1913, the mansion remained vacant for over 50 years until the Snow family purchased it in 1962 and restored it to its former glory. It was added to the National Register of Historic Places in 1973 and a National Historic Landmark in 1974. It was also recently listed on the Civil War Trail.
  • Pascagoula River Audubon Center – located in Moss Point, Mississippi. The Pascagoula River is the largest free-flowing river in the contiguous United States and the Pascagoula River Audubon Center serves at the gateway to the river. In 1974, over 35,000 acres of land were preserved for the public which has grown to almost 70,000 acres. The Center has worked to protect the ecosystem and wildlife of the Pascagoula River as well as educating visitors on environmentally-friendly landscaping.
  • Friendship Oak – located in Long Beach, Mississippi. This Oak tree is allegedly over 500 years old and is Mississippi’s oldest and most beautiful tree;
  • Mississippi Sandhill Crane National Wildlife Refuge – located in Gautier, Mississippi. It was created in 1975 to protect the Mississippi sandhill crane, including the habitat of the crane - the disappearing pine savanna. The refuge is over 19,000 acres and belongs to the Gulf Coast National Wildlife Refuge Complex.

Some cities to consider for Mississippi Senior Living

Seniors living in Mississippi may want to consider the following cities and towns for assisted living or retirement in general:

  • Diamondhead, Mississippi – a city located in southeastern Hancock County, Mississippi. Diamondhead is part of the Gulfport-Biloxi, Mississippi Metropolitan Statistical Area. Diamondhead was named after Diamond Head, Hawaii and the town has a definite Hawaiian influence. Most of the roads are named with Hawaiian names, community centers and private homes have a Hawaiian look. It was originally designed to appeal to the seniors from New Orleans, Gulfport, and Biloxi but it is no longer exclusively a retirement community. The population of Diamondhead, Mississippi is approximately 8,200 residents, of which almost 28% are senior citizens age 65 or older. Last year, Diamondhead ranked #1 out of 75 of the “Best Places to Retire in Mississippi,” #8 out of 77 of the “Best Places to Buy a House in Mississippi,” and #23 out of 75 of the “Healthiest Places to Live in Mississippi;”
  • Cleveland, Mississippi – a city in Bolivar County, Mississippi. Cleveland is one of two county seats of Bolivar County, with Rosedale being the other. In 1967, Senators Robert F. Kennedy and Joseph S. Clark, Jr. held hearings to assess the effectiveness of the “War on Poverty.” The first field hearings were held in Jackson, Mississippi and the next day they went to the Mississippi Delta to see the poverty there. Upon arriving in Cleveland, they saw terrible poverty, including African-American children without any shoes and in worn out clothing walking around the streets. Cleveland is home to Delta State University, two “Mississippi Blues Trail” markers, and the Grammy Museum of Mississippi. The population of Cleveland is approximately 12,400 residents, of which around 11.5% belong to the 65+ senior community. The median home value in Cleveland, Mississippi is $108,100 – compared to the national of $178,800. Last year, Cleveland ranked #3 out of 605 of the “Best Places to Retire in Mississippi,” #9 out of 418 of the “Safest Places to Live in Mississippi,” #9 out of 395 of the “Safest Suburbs in Mississippi,” and #19 out of 408 of the “Safest Suburbs in New York City Metro;”
  • West Point, Mississippi – a city, and the county seat of, Clay County, Mississippi. It is located in what is called the “Golden Triangle” region of the state of Mississippi and is the principal city of the West Point Micropolitan Statistical Area, which is part of the Columbus-West Point Combined Statistical Area. Seniors living in West Point can take advantage of the Old Waverly Golf Club which is located just outside of West Point and is one of Mississippi’s premier golf courses, hosting the 1999 U.S. Women’s Open. West Point is home to the “Howlin’ Wolf Blues Museum” and the “Prairie Art Festival.” The population of West Point is approximately 11,000, with around 15% of residents age 65 or older;
  • Gulfport, Mississippi – located in, and the co-county seat of, Harrison County, Mississippi. Gulfport is the 2nd largest city in the state after Jackson. Gulfport is home to the U.S. Navy Atlantic Fleet known as the “Seabees.” The population of Gulfport is estimated to be around 72,000 of which approximately 11.5% are part of the 65+ senior community;
  • McComb, Mississippi – a city in Pike County, Mississippi. It is the principal city of the McComb, Mississippi Micropolitan Statistical Area. McComb has a history of extreme violence by the KKK and then later, in 1977, a plane carrying the band “Lynyrd Skynyrd” crashed in near McComb. The population of McComb, Mississippi is approximately 12,600, with around 17% of residents who are at least 65 years old;
  • Aberdeen, Mississippi – a city in, and the county seat of, Monroe County, Mississippi. Aberdeen is on the banks of the Tombigbee River and was, in the 19th century, one of the busiest ports in Mississippi. Today there are over 200 buildings in Aberdeen that are on the National Register of Historic Places and it is known for its antebellum homes, the most popular being The Magnolias, which were built in 1850. The population of Aberdeen is estimated to be around 5,700 people with nearly 16% of the population who are seniors age 65 or older;
  • Amory, Mississippi – a city in Monroe County, Mississippi. Amory was the first planned city in Mississippi in 1887. Each April, Amory holds the annual “Railroad Festival” which has around 40,000 visitors. September is the “Entertainment for Education” (also known as “Stars Over Mississippi”) where entertainers raise money for local scholarships. Amory, Mississippi has approximately 7,100 residents, with around 19% of residents belonging to the 65+ senior citizen community;
  • Columbia, Mississippi – a city in, and the county seat of, Marion County, Mississippi. Columbia was named for Columbia, South Carolina as many of the settlers were from Columbia, South Carolina. Columbia, Mississippi was officially incorporated in 1819, becoming the fourth municipality in the state of Mississippi. Columbia is known as “The City of Charm on the River Pearl” and, due to its proximity to the Pearl River, has always been at risk of flooding. During the Civil Rights Movement, Columbia, and Marion County, were home to some of the most peaceful demonstrations and the town is still known for its citizens’ willingness to work together. The population of Columbia, Mississippi is around 6,300 residents, of which approximately 21% are elderly residents age 65 or older;
  • Oxford, Mississippi – a city in, and the County Seat of, Lafayette County, Mississippi. It was named after the Oxford in Great Britain in the hopes that there would be a state university located there. In 1848, the University of Mississippi, commonly known as “Ole Miss” was founded in Oxford, Mississippi. During the Civil Rights Movement, Oxford drew national attention when James Meredith, an African-American, was prevented from enrolling at the University. President Kennedy sent in the U.S. Marshals to escort Meredith. Oxford is home to many attractions and has many cultural opportunities, including: The Square; The J.E. Neilson Company; Square Books; The Lyric Theater; the Gertrude Castellow Ford Center for the Performing Arts - home of the renegade blues label “Fat Bottom Records” and the setting for some movies. Additionally, there are many places on the National Register of Historic Places in Lafayette County. The population of Oxford is approximately 23,500, with approximately 10% of senior residents age 65 or older in this college town; and
  • Picayune, Mississippi – the largest city in Pearl River County, Mississippi. Picayune was founded in 1904 and was added to the New Orleans metropolitan area in 2014 and it is centrally located between New Orleans, Louisiana; Hattiesburg, Mississippi; and Gulfport-Biloxi, Mississippi. The Crosby Arboretum, Bogue Chitto National Wildlife Refuge, and the Stennis Space Center are nearby attractions. The population of Picayune is approximately 10,800 with 15.1% of the residents belonging to the 65+ senior living community.

Common Questions About Assisted Living in Mississippi

1. What is assisted living in Mississippi and who is it for?

Assisted living in Mississippi is a residential option for seniors who need some help with daily activities but still want to maintain their independence. It's suitable for Mississippians looking for assistance with tasks like bathing, dressing, and medication management. For example, in Jackson, seniors can explore assisted living options at facilities like Magnolia Senior Living.

2. How much does assisted living cost in Mississippi?

Assisted living costs in Mississippi can vary depending on the facility, location, and services provided. On average, you can expect to pay between $3,000 and $4,500 per month. It's essential to inquire about specific pricing with individual facilities. For instance, in Biloxi, you'll find a range of assisted living communities with varying costs.

3. What are the admission requirements for assisted living in Mississippi?

Admission requirements for assisted living in Mississippi typically include a medical assessment, proof of age (usually 60+), and a willingness to receive assistance with daily tasks. Each facility may have specific criteria, so it's best to contact them directly. Facilities in Gulfport, for example, have their own unique admission processes.

4. Is memory care available in Mississippi's assisted living facilities?

Yes, many assisted living facilities in Mississippi offer memory care services for residents with Alzheimer's or dementia. These specialized programs provide extra support and security for individuals with memory-related conditions. In Starkville, there are memory care units within assisted living communities designed to meet the unique needs of these residents.

5. How does assisted living in Mississippi compare to nursing homes?

Assisted living in Mississippi is more suitable for seniors who need assistance with daily activities but do not require constant medical care. Nursing homes provide round-the-clock medical attention and are typically for individuals with more severe health conditions. In Hattiesburg, you can find both assisted living and nursing home options to choose from based on your specific needs.

6. What amenities are commonly offered in assisted living facilities in Mississippi?

Assisted living facilities in Mississippi often offer amenities such as meal services, housekeeping, transportation, recreational activities, and 24-hour staff availability to assist residents with their needs. For example, in Tupelo, seniors can enjoy on-site dining options, fitness classes, and social events in their assisted living communities.

7. Are there financial assistance programs for assisted living in Mississippi?

Yes, there are financial assistance programs available in Mississippi to help cover the costs of assisted living. These programs include Medicaid waivers, veterans' benefits, and state-specific programs for eligible seniors. It's advisable to check eligibility and requirements for each program. In Meridian, seniors may explore various financial assistance options to make assisted living more affordable.

8. Can I bring my own furniture to an assisted living facility in Mississippi?

In many assisted living facilities in Mississippi, residents are allowed to bring their own furniture to make their living space more comfortable and familiar. However, it's advisable to check with the specific facility for any restrictions or guidelines regarding furniture. For instance, in Oxford, residents can personalize their living spaces with their favorite furniture pieces.

9. Are there age restrictions for assisted living in Mississippi?

Assisted living facilities in Mississippi typically have age restrictions, and residents are usually required to be at least 60 years old. Some facilities may have slightly different age criteria, so it's best to inquire with each facility for their specific requirements. In Vicksburg, age eligibility may vary between different assisted living communities.

10. What healthcare services are provided in assisted living communities in Mississippi?

Assisted living communities in Mississippi typically offer healthcare services such as medication management, regular health assessments, and assistance with activities of daily living. However, they do not provide the same level of medical care as nursing homes. In Greenville, seniors can access healthcare services tailored to their specific needs within assisted living communities.

11. Can I have pets in an assisted living facility in Mississippi?

Some assisted living facilities in Mississippi allow residents to have pets, but there are usually restrictions and guidelines. Commonly, small pets like cats and dogs are permitted, and there may be size and breed restrictions. It's essential to check with the specific facility for their pet policy. For instance, in Southaven, many assisted living communities are pet-friendly and offer pet care services for residents.

12. What safety measures are in place in assisted living facilities in Mississippi?

Assisted living facilities in Mississippi prioritize resident safety. They often have measures such as secure entryways, emergency response systems, and trained staff to handle medical emergencies. Additionally, regular safety inspections and evaluations are conducted to ensure a safe environment. In Natchez, safety is a top priority in assisted living communities, with stringent measures in place to protect residents.

13. Are there social activities and outings for residents in assisted living communities in Mississippi?

Yes, assisted living communities in Mississippi typically offer a variety of social activities and outings to keep residents engaged and socially active. These may include group excursions, arts and crafts, exercise classes, and opportunities to interact with fellow residents. In McComb, residents can enjoy a vibrant social calendar with plenty of activities to choose from.

14. What is the difference between assisted living and independent living in Mississippi?

The primary difference between assisted living and independent living in Mississippi is the level of care provided. Assisted living is for seniors who need assistance with daily tasks, while independent living is for those who are self-sufficient and do not require such assistance. Independent living focuses on maintaining an active lifestyle without the need for personal care services. In Southaven, you can explore both assisted and independent living options to determine which suits your lifestyle best.

15. How can I find the best assisted living facility in Mississippi?

Finding the best assisted living facility in Mississippi involves researching and visiting multiple facilities, considering factors like location, services offered, cost, and resident reviews. It's essential to tour the facilities, talk to staff, and assess their commitment to providing a safe and comfortable environment for residents. In Corinth, you'll find a range of options to explore and choose from.

16. Can residents personalize their living spaces in assisted living facilities in Mississippi?

Yes, residents in assisted living facilities in Mississippi can often personalize their living spaces with their own furniture, decorations, and personal belongings. This allows them to create a comfortable and familiar environment that feels like home. In Corinth, residents have the freedom to decorate their living spaces to reflect their individual preferences and styles.

17. Do assisted living facilities in Mississippi have medical staff on-site?

Assisted living facilities in Mississippi typically have trained staff members who can provide assistance with medications and basic healthcare needs. However, they do not have medical doctors on-site. Residents may need to visit healthcare providers off-site for specialized medical care. In Ocean Springs, residents receive attentive care from trained staff members who can assist with medication management and basic healthcare needs.

18. Are there assisted living facilities with a religious focus in Mississippi?

Yes, some assisted living facilities in Mississippi have a religious focus and offer spiritual services and activities for residents. These facilities may align with specific religious denominations and incorporate faith-based values into their care services. In Laurel, seniors can find assisted living communities that provide spiritual support and activities for those who desire them.

19. Can I visit my loved one at any time in an assisted living facility in Mississippi?

Assisted living facilities in Mississippi often have visiting hours, but they may also allow flexible visitation. It's a good practice to check with the facility for their specific visiting policies and any COVID-19-related restrictions that may apply. In Pascagoula, most assisted living facilities encourage family visits and strive to accommodate residents' and their loved ones' needs.

20. How can I evaluate the quality of care in an assisted living facility in Mississippi?

To evaluate the quality of care in an assisted living facility in Mississippi, you can consider factors such as staff-to-resident ratio, cleanliness, resident satisfaction, and state inspection reports. Additionally, talking to current residents and their families can provide valuable insights into the level of care and overall satisfaction. In Mississippi, you'll find well-rated assisted living communities with a strong focus on providing exceptional care and a high quality of life for residents.

Don't see your city/town/village on the list? Please use our search bar at the top of the page to search through 386 senior living options from 143 cities, towns and villages in Mississippi. Simply enter your city name or zip code.

SeniorGuidance.org provides comprehensive resources on various senior living options, including: assisted living facilities, senior living communities, nursing homes, independent living communities, continuing care retirement communities (CCRC) and all other long term senior care options, including memory care such as Alzheimer's or Dementia.

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