Cost of long-term care in California

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.

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What Is Long-Term Care Insurance?

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.

 

What Disqualifies You From Long-Term Care Insurance?

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

RegionNursing 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
Chicon/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$35,100n/a
Merced$113,515$109,865$38,340n/a
Modesto$146,000$146,000$49,200$22,880
Napa$178,850$153,300$89,850n/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
Salinasn/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$112,920n/a
Santa Cruz Arean/a$142,350$97,560n/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 Arean/a$125,925$59,325$77,792
Visalia Area$89,790$115,158$61,065n/a
Source: Annual cost of care survey conducted by CareScout®, site accessed 03/12/2024

How To Buy Long-Term Care Insurance

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:

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