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Page Reviewed / Updated – September 28, 2020

The 10 Best Assisted Living Facilities in Carmichael, CA

Carmichael is a suburb of Sacramento in Northern California and is home to nearly 62,000 people, almost one in five of whom are seniors. This community features one of the two regional Sacramento County libraries, Mercy San Juan Medical Center and two park districts, as well as 320 acres of public golf courses, providing many amenities for seniors. 

Retirees who enjoy outdoor living may find Carmichael to be an ideal community for assisted living. The Carmichael Parks and Recreation Department maintains over a dozen parks, and Mission Oaks Recreation and Park District offers programs specifically for older adults, promoting an engaging environment for seniors. With year-round temperatures ranging between 39 and 93 degrees, the community offers a comfortable climate for outside activities.

Note: Information for Carmichael was not available, so data from the nearest city, Sacramento, was used.

This guide outlines the top 10 assisted living facilities in Carmichael. Additionally, find out more about the cost of assisted living in Carmichael and what financial assistance programs are available.

Atria El Camino Gardens

Atria El Camino Gardens is situated in a residential setting on the southside of Carmichael, near area amenities such as Effie Yeaw Nature Center, Carmichael Library and Kaiser Healthcare. This pet-friendly community provides independent living, assisted living and memory care services and features spacious studio and one-bedroom apartments. Residents enjoy a culinary program with freshly prepared meals made from locally sourced ingredients by classically trained chefs. We've included this community on our top 10 list for its Engage Life center, where residents can participate in curated activities and events that fit their interests.   

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The Terraces of Roseville

Situated in Roseville about 10 miles north of Carmichael, The Terraces of Roseville is centrally located near grocery stores, churches and restaurants. This community offers independent living, assisted living and respite care services and is surrounded by mature landscaping, with resident gardens and outdoor patios. We've included The Terraces on our top 10 list for its Elevate Dining restaurant-style dining program. Residents enjoy flavorful chef-prepared meals in the three-story dining room, which features space for private family functions. The community consists of private studio apartments with private bathrooms, and regular housekeeping and laundry services promote maintenance-free living.  

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Walnut House

Walnut House is located in a residential neighborhood 15 minutes away from the downtown area of Sacramento, providing residents with easy access to public transportation, shopping and entertainment venues. This licensed assisted living and independent living community features well-appointed accommodations, with around-the-clock staffing and care. Its activities programming features daily exercise classes, social events and religious services to promote engagement and socialization, and monthly visits from the mobile library ensure that residents always have fresh reading materials. Three nutritionally balanced meals are served daily in the community dining room, and snacks are available twice daily. 

See Full Description
Features
  • Assistance with scheduling medical appointments 
  • Companion suites available

Summerset Senior Living - Rancho Cordova

Located in the sunny city of Rancho Cordova, about 5 miles east of Carmichael, Summerset Senior Living's Rancho Cordova campus is within easy driving distance to area amenities, such as the Mobile Country Club, hair salons and grocery stores. We've included this independent living, assisted living and memory care community on our top 10 list for its Senior Social Engagement Program, which promotes meaningful experiences through learning and movement. This program implements the latest brain fitness technology through 3,000 games and activities to keep residents mentally sharp and engaged. The community also ensures residents' comfort and quality of life through services and amenities, such as private apartments, chef-prepared meals and 24-hour staffing.    

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Atria Carmichael Oaks

Atria Carmichael Oaks is located just west of scenic Jensen Garden Park in the northeast region of Carmichael, close to the Sacramento State Aquatic Center and the Cordova Village shopping center. Outdoors, residents enjoy tree-lined patios, walking paths and courtyards where they can relax or visit with friends. Indoors, this pet-friendly community has a wealth of amenities, such as a fitness center, a game room and a movie theater. Residents receive checkups and monitoring at the wellness center, and their emergency alert pendants or wristbands ensure easy access to help.

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Features
  • Resident parking available 
  • Wireless internet available throughout the community

Brookdale Sterling Court

Brookdale Sterling Court is located in Roseville, just off of Eureka Road near Kaiser Medical Center, banks and grocery stores. This assisted living and memory care community features comfortable common areas, such as a screening room where residents can enjoy movies, a 1950s-style cafe, a fireside living room and a hair salon. Residents choose from five floor plans, and all apartments feature large windows for plenty of natural light and private bathrooms for comfort and convenience. We've included this facility on our top 10 list for its Signature Programs, which include the B-Fit exercise program and the award-winning Ageless Program.    

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Aegis Living Carmichael

Aegis Living Carmichael offers assisted living and memory care services in a residential neighborhood in the northwestern region of Carmichael, near several city parks and public bus stops. This pet-friendly community features manicured grounds with mature oak trees, a feature fountain, walking paths and benches where residents can enjoy Northern California's comfortable weather. The community's life enrichment director curates daily social activities, outings and entertainment to keep residents engaged, and a personal chauffeur provides easy access to shopping, medical offices and restaurants. Residents enjoy chef-prepared meals in the community dining room, and special events and family gatherings can be scheduled in the private dining room.  

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Oakmont of Carmichael

Oakmont of Carmichael was developed by Oakmont Senior Living and provides assisted living and memory care services in west-central Carmichael, near the Sacramento McClellan Airport and Jensen Garden Park. This luxury retirement community has a continuum of care plan to let residents age in place, and its friendly team of caregivers is available around the clock. Residents enjoy complimentary chauffeur services, which make it easy to access area amenities, and complimentary concierge services ensure that residents get the help they need with daily tasks. The community's executive chef and team of culinary professionals have undergone extensive training to provide a fine dining experience with fresh, made-from-scratch meals. 

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Eskaton Village Carmichael

Eskaton Village Carmichael is a continuing care retirement community in the northern region of Carmichael on the local public transportation line. This community offers independent living, assisted living, memory care and nursing care, letting seniors age in place even as their care needs evolve. We've included this community on our top 10 list for its Signature Programs, including Eskaton Kids Connection, which partners residents with local school-aged children to foster intergenerational friendships, and Eskaton Connect, which incorporates smart home technology in select apartments.  

See Full Description
Features
  • Medication management 
  • Meal service and overnight accommodations for guests

Fair Oaks Estates

Fair Oaks Estates provides assisted living and memory care services in northeast Carmichael, near public bus stops, grocery stores and churches. This secure gated community is situated on four acres of mature landscaping and colorful courtyards. It has a dynamic dining program that features freshly prepared dishes, such as french toast, oven-fried chicken and spaghetti with meat sauce. Fair Oaks also offers a variety of services and amenities to promote low-maintenance living, including laundry and housekeeping services, transportation to medical and dental appointments and around-the-clock care.  

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The Cost of Senior Living and Care in Carmichael

The average monthly costs of senior care in Carmichael are similar to those across the state according to the Genworth 2018 Cost of Care study. The most significant difference between Carmichael and the statewide costs is nursing home care, with monthly costs in Carmichael of $8,517, approximately $200 more than the statewide average and approximately $200 more than the national average of $7,331 per month. Although adult day care costs in the region average about $25 more than the state median and around $200 more than the national average of $1,560 per month, home care averages about $200 less than the California average.

Note: Senior care cost data wasn’t available for Carmichael, so the data for the closest city, Sacramento, was used. 

How much does Assisted Living Cost in Carmichael

Assisted living costs in Carmichael are fairly similar to most other locations throughout California with the exception of Santa Cruz and Santa Rosa. In Carmichael, assisted living expenses are $4,473 per month, approximately $25 less expensive than the California and San Diego averages of $4,500 monthly.

Of the cities surveyed, only two cities have higher assisted living costs than Carmichael. In Santa Rosa and Santa Cruz, assisted living costs average around $1,000 and $1,100 more per month, respectively. More affordable assisted living services are found in Stockton and Riverside, where assisted living costs are approximately $1,000 less per month, and Bakersfield, where expenses cost around $1,200 less per month than in Carmichael.

How much does Home Care Cost in Carmichael?

Home care costs in Carmichael are on par with or more expensive than most of the cities surveyed. The average monthly cost for home care in Carmichael is $4,767, which is $200 less than the statewide average and on par with San Diego. More costly home healthcare services are reported in Santa Cruz, Santa Rosa and Stockton where home care averages $5,529, $5,625 and $4,957 per month, respectively. Less expensive home care services can be found in Bakersfield and Riverside where the monthly costs are $4,385 and $4,481, respectively. The Genworth survey shows that the costs of home care in Carmichael are close to other regions in the state.

How much does Adult Day Care Cost in Carmichael?

The average monthly cost of adult day care in Carmichael is $1,733, approximately $50 more expensive than the state average of $1,679 per month, and on par with the average monthly costs in San Diego. Seniors can find more affordable adult day care in Bakersfield, Riverside and Stockton where costs are around $100 less per month.

Adult day care is more expensive in Santa Cruz at $1,809 per month, and the most costly care is found in Santa Rosa where costs average $2,362 monthly. Although Carmichael’s adult day care costs are similar to other cities in California, seniors may be able to find more affordable adult day care in other areas of the state.

How much does Nursing Home Costs in Carmichael?

The monthly cost of nursing home care in Carmichael is among the highest in the state at $8,517, which is approximately $200 more expensive than the California state median and comparable with services in San Diego. Of the surveyed cities, the most expensive nursing home care is in Santa Rosa where monthly costs are $9,258, almost $700 more expensive than in Carmichael. More affordable nursing home services are found in Bakersfield, Santa Cruz and Stockton at $7,513, $8,076 and $8,173, respectively. 

Financial Assistance Programs in Carmichael

Medicaid Program in Carmichael

Medi-Cal, the Medicaid program in California, provides free or low-cost healthcare for seniors living in Carmichael. Eligibility requirements include being at least 65 years of age and having a monthly income below $1,012 for single seniors, and $1,372 for those who are married.  When it comes to assets, single seniors cannot have assets worth more than $2,000 and married seniors must not have assets that exceed $3,000.

Medi-Cal is intended to help seniors with the costs of medical and preventative care, mental health services, prescription medications, hospital visits, optometry and dental care. It’s important to note that Medi-Cal is an entitlement program, which means all qualifying seniors will receive benefits, even if they are living in a nursing home or other specialized care. In some cases where it’s deemed medically necessary, Medi-Cal may even cover the facility costs for qualifying seniors.Seniors wishing to apply for Medi-Cal can do so by filling out an application at local resource centers. They can also apply online on at either Covered California or Benefits CalWin or by calling (866) 262-9881.

Medicaid Waivers in Carmichael

Assisted Living Waiver

The Assisted Living Waiver Program (ALWP) is intended to help seniors transition from a nursing facility to Residential Care Facilities (RCFs) or an Adult Residential Care Facilities (ARFs). This program is also designed to assist seniors who may be at risk for nursing home placement, but who wish to remain in their home.

Some of the services covered by this waiver include medication management, health care, transportation, nursing, meal services and assistance with daily living activities, as well as housekeeping and laundry. However, it’s important to note that this waiver does not extend to room and board expenses.

To qualify for this waiver, applicants must be over 21 years old and meet certain income and asset requirements. For single applicants, these requirements include not having a monthly income exceeding $1,242 and not having assets worth more than $2,000. Married applicants have a little more leeway, with requirements that include not having an income in excess of $1,682, and not having assets exceeding $3,000. However, those who are Medi-Cal eligible through Share of Cost exceptions are not eligible to receive this waiver.  

Seniors wishing to learn more about the waiver, the requirements involved or to apply can do so by visiting ALW.

Home & Community-Based Alternatives Waiver

The Home & Community-Based Alternatives Waiver (HCBA) assists seniors who are at risk for nursing home placement by providing financial assistance for home care services. Some of the services covered include personal care, caregiver training, case management, nursing, personal emergency response services, respite care and maintenance for medical equipment.

In order to be eligible to receive this waiver, applicants must be in receipt of Medi-Cal, although they can apply for Medi-Cal before or after applying for the HCBA waiver. Applicants must also be in need of long term care and meet certain financial eligibility requirements. This is not an entitlement program, so applicants may be placed on a waitlist.

Seniors in Carmichael who want to learn more about the requirements or to apply for the waiver can do so at Home & Health Care Management

Community-Based Adult Services Waiver

The Community-Based Adult Services (CBAS) Waiver is designed to assist seniors at risk for nursing home level care to remain in their own homes with home day care services. Some of the services covered by this waiver include assessments, nursing care, mental health services, physical therapy, personal care, meals, nutritional counseling and transportation.

Seniors must be Medi-Cal eligible in order to qualify for this waiver. Other requirements include requiring nursing facility levels of care or having a severe cognitive impairment like Alzheimer’s disease or dementia. Seniors must also meet financial and asset requirements, which include monthly incomes not exceeding $1,242 and assets not exceeding $2,000 for single applicants, and monthly incomes not in excess of $1,682 or assets not exceeding $3,000 for married applicants.

Seniors who do not meet these financial requirements may still qualify for the waiver through Share of Cost and Spend Down programs, which require seniors to use their own income first, with the leftover expenses being covered by the waiver. This is not an entitlement program, so qualifying seniors may be placed on a waitlist.

Seniors wishing to apply for this waiver or find out more about the requirements can do so by calling (800) 510-2020.

Other Financial Assistance Programs in Carmichael

Program for All Inclusive Care for the Elderly (PACE) Program

The Program for All Inclusive Care for the Elderly Program (PACE) is designed to help seniors continue to live safely in their own homes. Some of the services offered by the program can include access to physicians, specialists, and acute hospital care and nursing home care. The program also covers medical tests, preventative healthcare, medications, medical equipment, ambulance services, emergency room care, nursing care, physical therapy, nutritional counseling, personal care assistance, meal delivery, transportation, optometry and dental services.

To qualify for this program, applicants must:

  • Be 55 or older
  • Live in a service area
  • Require nursing home facility care as determined by the State of California
  • Be able to live at home safely

Seniors and families interested in this program can obtain more information or apply by visiting the Sutter SeniorCare PACE office in Sacramento or by calling (833) 560-7223.

In-Home Supportive Services

In-Home Supportive Services (IHSS), a Medi-Cal based program, allows seniors who are at risk of nursing home placement remain in their homes. Services provided by this program might include housekeeping, meal preparation, laundry services, personal care assistance, accompaniment to medical appointments and protective supervision.

To qualify for this program, applicants must:

  • Be a U.S. citizen or permanent resident of California
  • Be at least 65 years of age unless blind or disabled
  • Live in their own home
  • Be unable to remain at home safely without services
  • Complete a Home Health Care Certification Form

Seniors wishing to apply for this program can do so by calling (916) 874-9471.

Multipurpose Senior Services Program

The Multipurpose Senior Services Program (MSSP) assists seniors who are in need of nursing home placement but wish to remain at home through community services. The services offered vary depending upon the needs of the individual; however, they may include adult day care, housing and personal care assistance, supervision, care management, respite, meal services and transportation, among other services.

To be eligible for this program applicants must:

  • Be 65 or older
  • Live within a site’s service area
  • Be in need of services that cost less than nursing facility care
  • Be eligible for Medi-Cal
  • Be deemed in need of nursing care by MSSP site staff

Seniors wishing to apply for this program can do so by visiting the California Health Collective website or calling (916) 374-7739.

Family Caregiver Support Program

The Family Caregiver Support Program is run through the Area Agencies on Aging (AAAs) to provide community care services for seniors’ caregivers. These services are available for family members or other unpaid caregivers. The services provided are set by the AAA, and some of these services may include providing training, access to services, temporary respite, and supplemental services.

Although there are no financial requirements for this program, the healthcare recipients must be:

  • 60 or older
  • Applicants younger than 60 must have a cognitive impairment like Alzheimer’s or dementia

Seniors and their families who are interested in this program can find out more about it by contacting the Area Agency on Aging at (800) 510-2020.

More Senior Living Resources in Carmichael

Resource Phone Number Description
Sacramento Housing and Redevelopment Agency 

(916) 440-1390 This agency provides safe and affordable housing for seniors in need with rents based on the applicant’s income. Seniors wishing to apply need to have a landlord reference check as well as a criminal background check. There is a waitlist, although veterans receive priority placement.
Housing Choice Voucher Program (HCV)

(916) 440-1390 This program, formerly known as Section 8, helps low-income applicants with the costs of safe housing. Applicants may choose any housing unit within the county, provided that the landlord agrees to rent the unit under the program. This subsidy is paid directly to the landlord on the applicant’s behalf. Seniors or families only pay the difference between the voucher amount and the actual rent. Although the waitlist for tenant-based vouchers is currently closed, seniors can apply for the project based voucher waitlist.
Energy Assistance Program (888) 742-7683 SMUD offers discount rates on energy bills to low-income residents, including seniors, in Sacramento, CA. Discounts are determined on a sliding scale, depending on income as it relates to the federal poverty level. Applications are on SMUD’s website.  


For additional information and planning, please read our comprehensive guide to paying for senior care in California.