What is the average 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
Nursing Home: Private Room$146,000
Nursing Home: Semi-Private Room$117,530
Assisted Living Facility$63,000
Home Health Aide (44 hours per week)$73,000

Consider the average length of a nursing home stay is 3 years. This makes the average risk $438,000 (3 x 146,000) for an average nursing home stay. Enough to bankrupt the average California family if only one family member needs care.


Compare Long-Term Care Insurance

Find the best option with professional recommendations.


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, insurance companies have significant exposure and very carefully health qualify applicants. Generally speaking, you need to be enjoying relatively good health in order to be approved for coverage. Click Here To Find Out If You Can Qualify >

Cost of Long-Term Care in California – (annual)

RegionNursing Home (private room)Nursing Home (semi-private)Assisted Living
(private room)
Home Health Aide (44 Hrs/wk)
State Median
El Centro$106,215$106,215$73,800$41,184
Hanford Area$122,275$114,975$52,200n/a
Los Angeles Area$135,233$109,500$63,000$70,928
Riverside Area$106,376$95,904$48,000$73,216
Sacramento Area$169,543$127,750$62,700$75,504
San Diego Area$146,000$112,603$65,700$77,678
San Francisco Area$168,813$138,791$75,825$85,800
San Jose Area$187,063$142,350$72,000$85,228
San Luis Obispo Area$146,000$120,450$63,600$85,800
Santa Cruz Area$144,175$127,750$66,600$84,084
Santa Maria Area$187,975$128,845$63,600$80,080
Santa Rosa$149,650$135,598$84,570$82,940
Stockton Area$153,118$120,176$43,782$65,780
Vallejo Area$123,370$125,560$59,400$71,500
Visalia Area$107,675$102,200$41,400$64,064
Yuba City$182,500$127,750$55,890$70,745
Source: Annual cost of care survey conducted by CareScout®, site accessed 12/22/2023

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:

  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


Get started >