If you’re looking into in-home care for a loved one in Sacramento, you’re likely asking: What does it really cost? How do these expenses compare to other care options? And what factors influence the price?

Here’s a clear, Sacramento-focused guide to help you understand the costs, what’s included, and how Clara can help you find the right care for your family.

What Does In-Home Care Cost in Sacramento in 2025?

Sacramento in-home care is generally more affordable than in California’s coastal cities, but it’s still a significant investment. Here’s what families can expect:

• Hourly Rates: In Sacramento and surrounding rural areas, in-home care typically ranges from $20 to $30 per hour for non-medical companionship and basic assistance. For personal care, rates can rise to $25–$40 per hour, and skilled nursing care can reach $40–$75 per hour.

• Monthly Costs: For part-time care (about 20 hours per week), monthly costs average between $3,200 and $3,800. For full-time care (40 hours per week), expect to pay around $5,330 per month. These rates reflect the lower end of California’s in-home care market.

Cost Comparison Table: Sacramento In-Home Care

Sources: Loving Home Care Inc., BLHC, Elder Answers

How Sacramento Compares to Other California Cities

Sacramento is more affordable than major coastal metros like Los Angeles or San Francisco, where in-home care can exceed $40 per hour and $6,400 per month for 40 hours per week. Within California, Sacramento and other inland or rural areas offer some of the lowest rates for in-home care, making it an attractive option for families seeking quality support without the highest price tag.

What Factors Influence In-Home Care Costs?

Several factors can affect your total cost:

• Type of Care Needed: Non-medical companionship is less expensive than personal care (help with bathing, dressing, or mobility) or skilled nursing.

• Caregiver Experience: Specialized or highly experienced caregivers command higher rates.

• Hours and Frequency: More hours per week mean a higher monthly cost, but some facilitators offer discounts for longer shifts or bundled services.

• Location: While Sacramento is more affordable than the coast, rates can vary within the region and nearby suburbs.

• Special Needs: Dementia care, overnight supervision, or complex medical care will increase the price. See here for more specifics on the cost of dementia care.

How Does In-Home Care Compare to Other Senior Care Options in Sacramento?

It’s helpful to see how in-home care stacks up against other choices:

In-home care allows seniors to remain in their own homes, offering more flexibility and personalization than facility-based care. While assisted living may be slightly less expensive for full-time care, in-home care is often preferred for those who value independence or need only part-time support.

What Services Are Included in Sacramento In-Home Care?

In-home care is highly customizable. Typical services include:

• Assistance with bathing, dressing, and grooming

• Medication reminders and supervision

• Meal preparation and light housekeeping

• Companionship and social engagement

• Transportation to appointments and errands

• Mobility assistance and fall prevention

For those with dementia or chronic health conditions, specialized caregivers can provide memory care, safety supervision, and tailored activities.

Specialized Dementia and Memory Care Costs

If your loved one needs dementia care, expect to pay a premium. In-home dementia care in California generally falls between $2,700 and $7,000 per month, with hourly rates for specialized care ranging from $35 to $55. Memory care facilities in Sacramento average $6,531 per month, but in-home care allows for more individualized attention and the comfort of staying at home.

How to Pay for In-Home Care in Sacramento

Most families pay for in-home care out of pocket, but several programs and resources can help:

• In-Home Supportive Services (IHSS): Sacramento County’s IHSS program pays caregivers (including family members) $18.65 per hour for eligible low-income seniors and disabled adults. This state-funded program can significantly offset costs for those who qualify.

• Long-Term Care Insurance: Many policies cover in-home care. Review your policy or consult an expert for details.

• Veterans Benefits: Programs like Aid & Attendance and the VA’s Family Caregiver Program can provide financial assistance for eligible veterans and spouses.

• Other Resources: Reverse mortgages, home equity loans, and local grants may also help cover costs.

Clara’s care experts can help you navigate these options and maximize your benefits.

Why Choose In-Home Care in Sacramento?

• Stay at Home: Seniors remain in a familiar, comfortable environment, allowing for healthy aging in place.

• Personalized Attention: Care is tailored to your loved one’s unique needs and routines.

• Flexible Scheduling: Choose the hours and services that fit your family’s situation.

• Family Involvement: Loved ones can participate in care and maintain close relationships.

How Clara Makes In-Home Care in Sacramento Easier and More Affordable

Clara is changing the way Sacramento families find, hire, and manage in-home caregivers:

• Affordable Rates: Clara’s average cost is often 20–40% less than traditional options, with care available for as low as $22 per hour.

• Vetted Caregivers: Clara’s network includes thousands thoroughly screened, background-checked caregivers.

• Fast, Flexible Matching: Get matched with a caregiver in as little as 24 hours.

• 100% Legal and Insured: Clara handles payroll, taxes, and insurance, so you’re protected and compliant.

• Dedicated Support: Clara’s team is available 7 days a week to answer questions and provide ongoing support, including emergency caregiver coverage

Next Steps: Planning for In-Home Care in Sacramento

Every family’s needs are unique. The best way to determine your exact costs and care plan is to speak with a local expert who understands Sacramento’s options and programs.

Ready to get started?

Contact Clara’s Sacramento-based care experts for a free consultation. We’ll help you understand your choices, estimate costs, and connect you with the right caregiver for your loved one.

Better care starts with Clara.

Let us help you find, hire, and manage top-notch caregivers—without the headache and for a price that fits your budget. Reach out today to learn more about how Clara can support your family’s in-home care journey in Sacramento.