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Senior living in Sacramento, CA

202 licensed communities in Sacramento, Sacramento County with real, all-in monthly pricing. Compare honestly and book your own tours — Chapter never sells your information.

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Sacramento is one of California's largest senior-living markets and among the more affordable major metros, with communities spread from Midtown and Land Park out to Carmichael, Citrus Heights, and Elk Grove. As the state capital it has a deep network of hospitals and senior services, which tends to keep quality high and options plentiful.

Local resource: Agency on Aging Area 4

Cost of care

What senior living costs in Sacramento

Real all-in monthly cost — base rent plus a typical care add-on — across 202 local communities.

202communities
$5,494average all-in / mo
$5,500median all-in / mo
$5,050–$6,000typical range / mo
Level of care
Communities
Avg / mo
Median / mo
Assisted living
202
$5,494
$5,500
View →

At about $5,494/mo all-in, Sacramento runs 14% below the California average of $6,405, and about the same as the national benchmark of about $5,700/mo (Genworth/CareScout Cost of Care).

All-in pricing is base rent plus a typical care add-on. Estimated figures are marked on each listing and refined as communities verify their rates on Chapter.

By neighborhood

Cost by ZIP code in Sacramento

Average all-in monthly cost in the Sacramento ZIP codes with listed communities.

ZIP code
Communities
Avg all-in / mo
95831
37
$5,486
View →
95828
22
$5,475
View →
95821
21
$5,560
View →
95823
17
$5,535
View →
95829
17
$5,526
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95825
13
$5,442
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95835
11
$5,600
View →
95826
9
$5,506
View →
95827
8
$5,288
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95841
8
$5,325
View →
Compare nearby

How Sacramento compares to nearby cities

Average all-in monthly cost in other Sacramento County cities, so you can weigh options a short drive away.

City
Communities
Avg all-in / mo
Sacramento (this page)
202
$5,494
Elk Grove
95
$5,570
View →
Carmichael
80
$5,521
View →
Citrus Heights
74
$5,539
View →
Fair Oaks
53
$5,535
View →
Orangevale
43
$5,469
View →
Folsom
28
$5,475
View →

Communities in Sacramento

Ranked by resident rating — never by who pays us.

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Paying for care

How to pay for senior living in California

Most families combine private funds with one or more of these programs. Here's a plain-English rundown of what's available in California.

Medi-Cal Assisted Living Waiver (ALW)

California's Assisted Living Waiver lets Medi-Cal cover the care portion of assisted living — personal care and health services, not room and board — for people who would otherwise qualify for a nursing home. You generally must have full Medi-Cal with no share of cost, be 21 or older, need nursing-facility level of care, and live in one of the roughly 15 participating counties (which include Los Angeles, San Diego, Sacramento, Orange, and San Francisco). Slots are capped and there's usually a waitlist, so families apply early through a local Care Coordination Agency.

VA Aid & Attendance pension

Wartime veterans and their surviving spouses who need help with daily activities may qualify for the VA's Aid & Attendance pension, which is added on top of the basic VA pension to help pay for care. For December 2025 through November 2026, the maximum is roughly $2,424 a month for a single veteran, $2,874 for a veteran with a spouse, and $1,558 for a surviving spouse. Eligibility depends on service history, income, and net worth.

Long-term care insurance

If your loved one holds a long-term care insurance policy, it often pays toward assisted living or memory care once they need help with two or more activities of daily living. Check the daily or monthly benefit amount, the elimination (waiting) period, and whether the policy requires a licensed community — nearly every community in our directory is state-licensed.

Medical expense tax deduction

When a resident is chronically ill — needing help with at least two activities of daily living, or requiring supervision due to cognitive decline — and care follows a documented plan of care, the IRS lets you deduct qualifying medical costs above 7.5% of adjusted gross income, if you itemize. Care services, medication management, and dementia care typically qualify; pure room and board usually doesn't. A tax professional can confirm what applies to your situation.

This is general information to help you plan — not financial, tax, or legal advice. Benefit amounts and eligibility rules change, so confirm details with the program or a qualified professional before making decisions.

Good to know

Senior living in Sacramento — FAQ

How much does senior living cost in Sacramento?

Across 202 communities in Sacramento, the average all-in cost is about $5,494 per month (median $5,500), generally ranging from $5,050 to $6,000. All-in means base rent plus a typical monthly care add-on. Assisted living and memory care usually cost more than independent living because of the added personal care.

How can I pay for senior living in Sacramento?

Most families combine private funds with programs like the Medi-Cal Assisted Living Waiver (which covers care costs — not room and board — in participating California counties), the VA's Aid & Attendance pension for wartime veterans and their spouses, long-term care insurance, and medical-expense tax deductions. See the "How to pay for senior living in California" section above for details on each.

What levels of senior care are available in Sacramento?

Sacramento has 202 licensed communities offering assisted living. Chapter shows every licensed community — not just the ones that pay to be featured.

Does Chapter charge families or sell my information in Sacramento?

No. Chapter is always free for families, and we never sell or share your contact information. When you book a tour, your details go only to that one community — you'll never get calls from a dozen sales teams. That's the opposite of how referral sites in California typically work.

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Senior living in other California cities

San Diego173Fresno172Mission Viejo155Los Angeles143San Jose139Roseville130Bakersfield125Anaheim97All cities →

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Listings are sourced from public California licensing records. Pricing is estimated from regional averages until each community verifies its own.