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Assisted Living in Los Gatos, CA

The average cost of assisted living in the city is $5,500 a month. This guide is a starting point covering the cost of assisted living care in the city, as well as financing options to pay for it. You’ll find in-depth information on 6 assisted living facilities in Los Gatos and 30 in surrounding areas.

  • Assisted living: $5,500
  • Nursing home semiprivate room: $9,125
  • In-home care: $5,720
  • Adult day health services: $1,993

Cedar Creek Alzheimer's & Dementia Care Center

15245 National Avenue
Los Gatos, CA

Call 1-800-991-9257 for details

Call 1-800-991-9257 for details

Alzheimer's and dementia care is bewildering, exhausting and heartbreaking. In the face of increasing despair, you seek relief, a place where you can find a carefully planned transition and compassionate and supportive staff. The Creeks is that special place.Our communities…

Terraces of Los Gatos

800 Blossom Hill Road
Los Gatos, CA

Call 1-800-991-9257 for details

Call 1-800-991-9257 for details

It's no wonder why The Terraces of Los Gatos has been named one of the Best Retirement Communities in the West. Everything you want in retirement living is here.

Los Gatos Meadows

110 Wood Rd
Los Gatos, CA

Call 1-800-991-9257 for details

Call 1-800-991-9257 for details

Los Gatos Meadows is the community of choice for the discerning senior who wants to spend retirement having fun and being pampered without responsibilities.

Blossom Hill Gardens

14550 Blossom Hill Road
Los Gatos, CA

Call 1-800-991-9257 for details

Call 1-800-991-9257 for details

Families can rest easy when their loved one moves to Blossom Hill Gardens. We treat each resident like a member of our family, offering the best in services and amenities.

Crestwood Residential Care Home

94 HERNANDEZ AVENUE
Los Gatos, CA

Call 1-800-991-9257 for details

Call 1-800-991-9257 for details

Families can rest easy when their loved one moves to Crestwood Residential Care Home. We treat each resident like a member of our family, offering the best in services and amenities.

Garden Hill Care Home

112 Garden Hill Drive
Los Gatos, CA

Call 1-800-991-9257 for details

Call 1-800-991-9257 for details

We Can Help! Our Local Advisors can help your family make a confident decision about senior living.

Map of Los Gatos Assisted Living Facilities

Assisted Living Costs in Los Gatos

The Genworth 2018 Cost of Care Study indicates that the average cost of living in the Los Gatos area, along with the cost of assisted living in San Francisco, is the highest in the state at $5,500 per month. This is well above both the state average, which is $4,500, and the national average, which is $4,000. In cities such as Madera ($3,323) and Bakersfield ($3,150), the average monthly cost of care is cheaper by more than $2,000. Even in Sacramento, California’s capital city, the average cost of assisted living is about $1,000 less expensive than in Los Gatos. 

Specific senior care cost data isn’t available for Los Gatos. Data for the nearest major city, San Jose, has been listed instead.  

Cost of Assisted Living Comparison Chart

  • Los Gatos: $5,500
  • National average: $4,000
  • State average: $4,500
  • Bakersfield: $3,150
  • Los Angeles: $4,500
  • Madera: $3,323
  • Oxnard: $4,575
  • Sacramento: $4,473
  • San Diego: $4,500
  • San Francisco: $5,500

Care Cost Comparison

The type of care required is generally the biggest factor affecting the cost of care, and in cities like Los Gatos where the average monthly cost of assisted living is nearly $4,000 less than that of nursing home care, this is particularly true. Home care services are also more expensive than assisted living in Los Gatos. In addition to being several hundred dollars more, home care costs don’t include typical homeowner expenses such as rent, groceries and general upkeep, all of which are usually included in the cost of assisted living. 

Cost of Homemaker/Home Health Aide Comparison Chart

  • Assisted living: $5,500
  • Homemaker services: $5,720
  • Home health aide: $6,006
  • Adult day health: $1,993
  • Nursing home care (semiprivate room): $9,125

Financial Assistance for Assisted Living in Los Gatos

Medicaid in California

Medicaid provides low-income individuals with access to medical care and healthcare services, dental care, counseling services, long-term care, prescription medications and nonmedical transportation. In California, the state Medicaid program is officially known as Medi-Cal and is available to eligible seniors, families, disabled individuals and pregnant women. Medi-Cal is funded jointly by the state and the federal government. 

Seniors living in Los Gatos and throughout the state of California can apply for help with the cost of assisted living under one of two Medi-Cal waivers: the Assisted Living Waiver or the Multipurpose Senior Services Program. To qualify for either of these waivers, seniors must undergo a full care assessment to determine their level of need. Financially, individual applicants may not have an income higher than $1,242 per month or assets valued at more than $2,000. Couples may not have a monthly income higher than $1,682 or assets valued at more than $3,000. 

Assisted Living Waiver

The Assisted Living Waiver provides financial assistance to seniors living in assisted living facilities. It pays for the cost of assisted living care and, depending on need, additional services may be covered as well. Other services may include medical care, dental care and transportation services. Room and board are not covered under this program, so seniors are responsible for paying these costs out of pocket. 

To apply for the Assisted Living Waiver, seniors can contact the Institute on Aging at (408) 474-0679 or visit any Care Coordinator Agency in the Santa Clara County area. 

Multipurpose Senior Services Program

The Multipurpose Senior Services Program offers financial support and care services to seniors who require a nursing level of care but continue to reside in an assisted living facility or at home. The program exists to reduce the stress on the Medi-Cal system when a high volume of seniors move into nursing care facilities, which are considerably more expensive when compared with assisted living and home care. In addition to the cost of assisted living or home care, this program may also provide services such as nurse visits, physical therapy, transportation services and respite care. 

The program has a cap of 12,000 participants, which means there are frequently long waiting times for those who wish to participate. As such, most seniors are asked to reapply for the program annually. 

To learn more about the application process or inquire about waiting times, seniors can contact the California Department of Health Care Services at (707) 565-4700.

Other Financial Assistance Programs for Assisted Living

State Supplemental Payment

California’s State Supplemental Payment is available to low-income seniors and those with disabilities. It assists with the cost of room and board for those who live in long-term care facilities. Monthly payments are based on income and living situation. The maximum benefit is $160.72 per month. 

To get the supplement, seniors must be receiving supplemental security income. While financial eligibility requirements change frequently, they are usually similar to Medicaid requirements. To learn more about eligibility or apply for this benefit, seniors can contact their local Social Security office by calling (800) 772-1213.

Elderlife Bridge Loan

Elderlife Financial Services helps seniors who don’t qualify for financial assistance programs by offering bridge loans to pay for long-term care while they await a permanent funding solution. The funds are allocated to the senior’s place of residence and repaid by the seniors and any cosigners on their loan agreement. Loans are available with low interest rates and flexible terms. 

Seniors who do not meet credit or income requirements can include up to six cosigners on their application, which increases the likelihood of approval and reduces monthly payments. Seniors can apply online or by calling (888) 228-4500. 

Long-Term Care Insurance

Long-term care insurance is typically available to adults who are in relatively good health and wish to prepare for the possibility of long-term care in their future. Those who have a long-term care insurance policy can have their care paid for by their insurance provider after paying their deductible and copay amount per the terms of their policy. Eligibility, monthly premiums and policy terms vary depending on the insurance provider and the plan.

Assisted Living Resources in Los Gatos

Veterans Affairs

Seniors may be eligible for financial or medical assistance through Veterans Affairs if they’ve served in any branch of the U.S. military. Any Veterans Affairs office can provide information regarding available benefits and eligibility.

County of Santa Clara Veterans Services
68 North Winchester Boulevard, Santa Clara, CA 95050
(408) 918-4980

Veterans Memorial & Support Foundation of Los Gatos
110 East Main Street, Los Gatos, CA 95030
(408) 354-6853

Senior Centers in the Los Gatos Area

Senior centers provide those aged 55 and older with the opportunity to gather with their peers and enjoy social activities, educational programs and congregate meals. 

Santa Clara Senior Center
1303 Fremont Street, Santa Clara, CA 95050
(408) 615-3170

Cupertino Senior Citizen Center
21251 Stevens Creek Boulevard, Cupertino, CA 95014
(408) 777-3150

Mountain View Senior Center
266 Escuela Avenue, Mountain View, CA 94040
(650) 903-6330

Senior Advocates and Supports

Programs are available to seniors living in the Los Gatos area that provide facilitation services intended to connect elderly individuals with resources in their community, such as Medicaid mediation services, support groups and nutrition programs.

Sourcewise
2115 The Alameda, San Jose, CA 95126
(408) 350-3200

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