Cost of long-term care in California
December 22, 2023
December 22, 2023
Rising long-term care costs make long-term care insurance in California a necessity for all but the very wealthy. Here is a breakdown of annual California long-term care costs by type of care:
Average Cost of Long-Term Care in California — 2024 | |
Nursing Home: Private Room | $158,775 |
Nursing Home: Semi-Private Room | $136,875 |
Assisted Living Facility | $75,000 |
Home Health Aide (44 hours per week) | $84,656 |
The average length of a nursing home stay is 3 years which equates to a financial risk of $476,000 (3 x 158,775). An amount that could bankrupt the average California family if only one family member needs care.
Long-term care insurance policies pay for nursing facility, assisted living facility and home health care costs. Premiums for LTC insurance can vary greatly by company, age of applicant and health history. Most companies now charge higher premiums for women, but some do not. For these reasons, we strongly suggest working with an agent who represents multiple highly rated companies and who is a specialist with long-term care planning.
Due to the high cost of long-term care claims, insurance companies carefully health qualify applicants for coverage. Generally, you must have relatively good health in order to be approved for an LTC policy. Click Here To Find Out If You Can Qualify >
Cost of Long-Term Care in California — 2024 | ||||
Region | Nursing Home (private room) | Nursing Home (semi-private) | Assisted Living (private room) | Home Health Aide (44 Hrs/wk) |
California State Median | $158,775 | $136,875 | $75,000 | $84,656 |
Bakersfield | $116,070 | $109,135 | $55,140 | $84,656 |
Chico | n/a | $146,000 | $59,055 | $80,080 |
Fresno | $135,415 | $120,450 | $81,000 | $75,504 |
Los Angeles Area | $159,140 | $127,750 | $68,970 | $80,080 |
Madera | $92,345 | $90,885 | $35,100 | n/a |
Merced | $113,515 | $109,865 | $38,340 | n/a |
Modesto | $146,000 | $146,000 | $49,200 | $22,880 |
Napa | $178,850 | $153,300 | $89,850 | n/a |
Oxnard | $184,690 | $127,750 | $69,600 | $89,232 |
Redding | $164,250 | $146,000 | $64,800 | $80,080 |
Riverside Area | $219,000 | $109,500 | $63,885 | $83,512 |
Sacramento Area | $209,875 | $136,875 | $76,080 | $80,080 |
Salinas | n/a | $126,655 | $92,505 | $68,640 |
San Diego Area | $182,500 | $138,700 | $87,000 | $86,944 |
San Francisco Area | $156,950 | $149,650 | $89,940 | $102,960 |
San Jose Area | $175,018 | $177,025 | $85,800 | $105,248 |
San Luis Obispo Area | $328,500 | $255,500 | $112,920 | n/a |
Santa Cruz Area | n/a | $142,350 | $97,560 | n/a |
Santa Maria Area | $237,250 | $182,500 | $78,000 | $84,656 |
Santa Rosa | $184,325 | $166,988 | $87,000 | $98,384 |
Stockton Area | $219,000 | $150,563 | $52,350 | $77,792 |
Vallejo Area | n/a | $125,925 | $59,325 | $77,792 |
Visalia Area | $89,790 | $115,158 | $61,065 | n/a |
Find a long-term care plan that’s right for you with our highly rated companies, multiple plan options, and expert long-term care advisors. Get professional service on topics such as:
✓ Choosing from a variety of long-term care insurance products
✓ Suggestions for the carrier best suited to your situation and goals
✓ Assistance with health qualifying for coverage
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