Short answer
Using Texas's 2024 CareScout home health aide median of roughly $28/hour, in-home care tends to cost less than assisted living's $5,250/month state median up to about 40 hours a week -- beyond that, a community frequently becomes the less expensive option.
When home usually wins
Lower weekly hours, a strong preference to stay in a familiar environment, and a home that is already accessible (single-story, few fall hazards) all favor in-home care.
When a community usually wins
Near round-the-clock supervision needs, social isolation, or a home that would require expensive modifications all tend to favor a licensed community once the math is run honestly.
