Page Reviewed / Updated - May 20, 2019
In the following sections, you will find information about assisted living costs in Torrance, including resources on how to receive financial assistance if you have limited means. This guide also points to resources in the Torrance area that offer financial help for a variety of senior services. For a broader overview of senior assistance programs available throughout the entire state, visit our guide to paying for senior care in California.
The cost of most types of senior care in Torrance is moderately less than the state median and is also less than similar services in most of California's major metropolitan areas. According to the Genworth 2018 Cost of Care Survey, homemaker services, adult day care and nursing home care all cost less in Torrance than in a typical California city. Assisted living cost is the same per month as the state average.
Residents of Torrance pay an average of $4,500 a month to stay in an assisted living facility. This cost is the same as the California state median. Nearby cities that are farther from the coast, such as Riverside and Bakersfield, have lower monthly assisted living costs. In Riverside, assisted living residents pay an average of $3,500 monthly, while in Bakersfield, the average monthly cost is $3,150.
Compared to the cost of assisted living in California's major cities, Torrance's costs are on the low end. San Francisco and San Jose both average $5,500 a month, San Diego comes in at $4,500 and Sacramento is slightly lower at $4,473.
Assuming 44 hours of care per week, Torrance residents pay an average of $4,767 monthly for home care, which is almost $200 less than the state median of $4,957.
The cost of home care in Torrance is less than in many of California's major cities, such as San Francisco and San Jose, both of which have average home care costs that are about $1,000 higher. In San Diego, the average cost is exactly the same as in Torrance. In inland cities such as Riverside and Bakersfield, home care costs average several hundred dollars less than in the coastal suburban area of Torrance.
At $1,565 a month on average, adult day care costs in Torrance are more than $100 cheaper than the state median of $1,679. Torrance residents also pay less each month for adult day care than residents of most of California's major cities, including San Francisco, San Jose, San Diego and Sacramento. In all of these cities, the average monthly cost of home care is between $1,700 and $2,000.
Even the cities of Riverside and Bakersfield, which are cheaper than Torrance in many areas of senior care, have higher monthly costs for adult day care, both coming in between $1,600 and $1,700.
Nursing home care is much less expensive in Torrance than in a typical California city. It is also cheaper than what residents pay in most of the state's major metropolitan areas.
In Torrance, nursing home residents pay an average of $7,604 monthly for a semi-private room compared to the state average of $8,365. In San Francisco and San Jose, the average cost is over $9,000 a month. It is more than $8,500 in San Diego and Sacramento. Riverside and Bakersfield have costs that are very similar to what residents pay in Torrance.
Torrance residents can apply for Medi-Cal for seniors, which is California's Medicaid program. As an entitlement program, its services are available to all state residents who qualify, and the program directly pays the cost of assisted living, nursing home care and other senior services. There are no waiting lists or caps to receive Medi-Cal, but some of its waiver programs, listed below, are subject to restrictions.
The Medi-Cal program for seniors has tiered income requirements. If your income is below $1,012 a month for a single person or $1,372 for a married couple, you are eligible to receive all of Medi-Cal's services for free. If your income is higher, you may still be eligible to receive services but will likely have to chip in on the cost. The amount you have to pay versus what Medi-Cal pays is based on your income.
Medi-Cal also has asset limits. You cannot have more than $2,000 in assets as a single person or $3,000 as a married couple, though the program lets you exclude certain items from being counted.To apply for Medi-Cal or to learn more about the program, you can visit the program's website, call (866) 613-3777 or (626) 569-1399 or visit a local office in person.
Home and Community Based Services (HCBS) Medi-Cal Waiver
The Home and Community Based Services (HCBS) waiver helps pay for the cost of long-term care. You can apply it both to care received in-home and to care received in an assisted living facility. Specific services available include private-duty nursing, home health aides, family training, habilitation services and respite care. Since this program is not an entitlement, enrollment numbers are capped, and if it is at its current cap, you may be placed on a waiting list. You can apply for an HCBS Medi-Cal waiver in Torrance by calling (213) 897-6774.
Assisted Living Waiver Program (ALWP)
The Assisted Living Waiver Program helps Torrance residents pay for services such as meal preparation, housekeeping and laundry, social services, recreation and round-the-clock staff. To qualify, you must have a demonstrated need for a specific type of care, and you must meet the program's income requirements, which include making less than $1,242 for a single applicant and $1,682 for a married couple. You can apply or inquire about the program by visiting the website. Learn more by visiting our ALWP information page here.
In-Home Supportive Services (IHSS)
In-Home Supportive Services (IHSS) provides support that enables seniors in Torrance to remain in their own home. It is set up as an alternative to live-in care facilities, such as nursing homes and assisted living. Eligible residents can receive assistance with meal preparation, shopping, errands, laundry, grooming and paramedical services. You can apply or learn more about the program by calling (888) 944-4477 or (213) 744-4477, or by visiting our informational page.
PACE is a Medi-Cal program that covers the cost of long-term care services received at home or at a live-in facility. You must be at least 55 years old and require assistance with one or more activities of daily living (ADL) to qualify. If your monthly income levels are below Medi-Cal's threshold for free services, and you also qualify for PACE, you can receive its services for free as well. To find out more about PACE, visit the program's website.
Multi-Purpose Senior Services Program (MSSP)
This program is available to Torrance seniors who have low incomes and are eligible to receive Medi-Cal services for free. It provides help with a variety of in-home services, such as chores, transportation to doctor appointments, grocery shopping, laundry and respite care. To qualify, you must be at least 65 years old and require assistance with one or more activities of daily living (ADL). You can apply by calling (323) 937-5930 or (818) 765-0530. Learn more by visiting our informational MSSP page.
Supportive Services Program
If you live in Torrance and require help with activities of daily living but are not yet 65 years old and thus do not qualify for MPSS, you may be eligible to receive assistance through the Supportive Services program. You can qualify for this program even if you are not eligible for help from any government agency. To learn more, call (866) 563-7380.
|Coleman Court||(310) 212-5898||Coleman Court is a 79-unit apartment complex reserved for seniors aged 62 and up. It is designated as low-income and accepts Section 8 vouchers, meaning residents can live there for a monthly rent that is well below the market rate.|
|Ocean Terrace||(310) 373-0903||Ocean Terrace is another 62-and-up apartment complex that offers 36 units to low-income seniors. The community accepts Section 8 vouchers.|
|Focal Point on Aging||(310) 320-1300||Focal Point on Aging is a Torrance program giving older adults access to resources that help them afford transportation, housing, health care and legal services.|
|Torrance Community Transit Program||(855) 932-4245||The Torrance Community Transit Program provides discounted transit, including taxi rides, around Torrance and the Los Angeles metropolitan area to eligible seniors.|