Average cost of long-term care in California

April 15, 2024

The average cost of long-term care in California is now at a point where long-term care insurance is a necessity for most families across the state. Here is an overview of annual California long-term care costs by type of care:

Average Cost of Long-Term Care in California — 2024
Nursing Home: Private Room$131,349
Assisted Living Facility$72,570
Home Care (44 hours per week)$72,846

Consider the average length of a nursing home stay of 3 years.1 This equates to a financial risk of $394,047 ($131,349 per year). With inflation, the cost is projected to be $863,406 by 2044 ($287,802 per year).2 Because Medicare does not cover this cost,3 paying out of pocket could bankrupt the average California family.


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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?

Long-term care insurance companies carefully health qualify applicants who apply for protection. While many health conditions are acceptable, many can disqualify you from getting insurance.
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How Much Does Long-Term Care Cost in California?

California Long-Term Care Costs — 2024 (annual)

RegionNursing Home
(private room)
Assisted Living
(private room)
Home Care
 (44 Hours/week)
California Average
El Centro$131,349$58,545$68,694
Los Angeles$117,802$76,053$66,683
Oxnard-Thousand Oaks-Ventura$127,385$72,733$78,442
Riverside-San Bernardino-Ontario$119,579$55,036$69,208
San Diego-Carlsbad$135,241$66,530$64,620
San Francisco$140,819$86,920$79,249
San Jose-Sunnyvale-Santa Clara$135,713$89,618$86,334
San Luis Obispo-Paso Robles$128,620$80,177$69,860
Santa Cruz-Watsonville$126,812$95,561$90,554
Santa Maria-Santa Barbara$171,030$82,231$74,318
Santa Rosa-San Rafael$140,107$86,517$85,323
Yuba City$123,935$55,989$80,162
Nationwide Financial annual cost of care survey conducted by HVS, site accessed 4/16/2024

How Much Does LTC Insurance Cost in California?

Your California long-term care insurance rates will depend on your age, health history, plan design and type of coverage selected. Additionally, the following plan design features let you choose how much premium and coverage is right for your situation:

  • Benefit Period
  • Daily Benefit
  • Elimination Period (a deductible in days)
  • Inflation Protection (if chosen)

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About the Author: Craig Matesky

1. “How Much Care Will You Need?” LongTermCare.gov, U.S. Department of Health and Human Services, site accessed 4/16/2024
2.  Nationwide Financial annual cost of care survey conducted by HVS, site accessed 4/16/2024
3. “When Does Medicare Pay for LTC Services?” U.S. Department of Health and Human Services, site accessed 4/16/2024