2026 National Senior Care Cost Index • Updated with U.S. Census ACS & CMS Medicare Data Covering 51 States & DC • 29,639 Cities • 14,676 CMS Facilities
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Home › California › Clearlake, CA

Senior Care & Assisted Living Costs in Clearlake, CA

2026 monthly care rates for Clearlake (Lake County), local Census affordability metrics, and 1 CMS-certified care facilities.

Assisted Living🏠
$5,250/mo
$63,000/yr
-15% vs U.S. avg
Memory Care🧠
$6,400/mo
$76,800/yr
-15% vs U.S. avg
In-Home Care🤝
$29.65/hr
$5,650/mo (44h/wk)
-15% vs U.S. avg
Nursing Home (Semi)🏥
$8,120/mo
Private: $9,150/mo
-15% vs U.S. avg

2026 Long-Term Care Financial & Runway Simulator

Models eldercare inflation, home equity liquidation fees (7%), income offsets & Medicaid spend-down rules.

1. Select Care Setting & Schedule
Assisted Living$5,250/mo
Memory Care$6,400/mo
Home Care$29.65/hr
Nursing Semi$8,120/mo
Nursing Priv$9,150/mo
Planning Horizon 3 Years (36 mos)
Average U.S. assisted living stay: 28–36 mos
Annual Care Inflation 4.0% / yr
Historical eldercare inflation: 3.5%–4.5%/yr
2. Monthly Income & Insurance Offsets
Social Security & Pension ($/mo)
LTC Insurance / VA Benefit ($/mo)
VA Aid & Attendance up to $2,358/mo
3. Capital & Home Equity Reserves
Liquid Savings & IRA ($)
Home Value / Equity ($) Net: $295k
Auto-deducts 7% realtor & closing costs
Total Projected Care Cost
$0
Year 1 → Year 3
Net Out-of-Pocket Gap
$0
Initial monthly shortfall: $0/mo
Annual Care Cost vs. Remaining Capital End Balance: $0
Annual Care Cost (Inflation-Adjusted) Remaining Net Capital
2026 Cost Crossover Analysis

Home Care vs. Assisted Living Break-Even Point in Clearlake, CA

40.9 hrs/wk Break-even threshold

At Clearlake, CA's average caregiver rate of $29.65/hr, hiring in-home care equals the $5,250/mo cost of Assisted Living at exactly 40.9 hours per week (~5.8 hrs/day).

Part-Time Care (15 hrs/wk) Crossover: 40.9 hrs/wk 24/7 Shifts (168 hrs/wk)
Home Care Cheaper 20 hrs/wk at Home
$2,569/mo

Saves $2,681/mo vs. Assisted Living (excludes home mortgage/utilities).

Full-Time Benchmark (44h/wk) 44 hrs/wk vs. Assisted Living
$5,653 vs. $5,250/mo

Full-time home care costs $403/mo more than Assisted Living (where meals & utilities are included).

Facility Cheaper 80+ hrs/wk (Day + Night)
$10,278/mo

Assisted Living saves $5,028/mo; Memory Care averages $6,400/mo.

Clearlake vs. California & U.S. Averages

Monthly Assisted Living cost comparison adjusted for Lake County economic indicators.

Clearlake, CA$5,250/mo
California State Average$8,300/mo
U.S. National Median$6,200/mo

Lake County Economic Context (U.S. Census)

Official ACS 5-Year benchmarks used to model local care affordability (see methodology).

Median Household Income $58,738/yr ($4,895/mo)
Median Home Value $316,800
Median Gross Rent $1,292/mo
California Medicaid Limit (2026) $2,901/mo

CMS-Certified Senior Care & Nursing Facilities in Clearlake, CA

Official Medicare provider registry showing certified bed capacity, ownership structure, and CMS 5-star quality ratings.

Meadowood Nursing Center
3805 Dexter Lane, Clearlake, CA 95422 • 7079947738
99 Certified Beds For profit - Corporation CCN: 555490
2/5 CMS Rating

Frequently Asked Questions About Senior Care in Clearlake

The estimated median cost of assisted living in Clearlake, CA is $5,250 per month ($63,000 per year), adjusted for Lake County housing and income data.
A semi-private room in a skilled nursing facility in Clearlake averages $8,120 per month, while a private room averages $9,150 per month.
In-home caregiver services in Clearlake, CA average $29.65 per hour, or roughly $5,650 per month for 44 hours of weekly care.
For 2026, the standard monthly income cap for Medicaid nursing home and HCBS waiver eligibility in California is $2,901 per individual applicant.

Compare Senior Care Costs in Nearby California Cities

Clearlake Park, CA $5,250/mo Clearlake Oaks, CA $5,250/mo Lower Lake, CA $5,250/mo Glenhaven, CA $5,250/mo Kelseyville, CA $5,250/mo Cobb, CA $5,250/mo Middletown, CA $5,250/mo Lucerne, CA $5,250/mo Finley, CA $5,250/mo Nice, CA $5,250/mo Lakeport, CA $5,250/mo Pope Valley, CA $9,060/mo