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The 10 Best Assisted Living Facilities in Morro Bay, CA for 2024

Morro Bay is a smaller beach community on California’s Central Coast, just outside San Luis Obispo. The city sits along a natural estuary, offering a haven for seniors who appreciate bird-watching, sea mammal observations and fresh seafood. As of 2022, adults aged 65 or older make up 28.5% of Morro Bay’s community, with its population just shy of 10,700. Adding to its appeal, Morro Bay boasts a temperate year-round climate, making it a big draw for seniors seeking an ocean view without the hassle of snowy weather.

For older adults who require some daily assistance but not extensive medical care, assisted living communities can be an ideal option. These communities offer the necessary support to maintain independence while providing a residential setting shared with other aging adults. When it comes to cost, the average monthly expense for assisted living in Morro Bay is $5,300 per month. This is only slightly higher than the state average, and quite a bit higher than the national average.

This guide provides an overview of paying for assisted living in Morro Bay, including cost comparisons with other California cities and various types of senior care. It also offers some benefits and drawbacks of living in Morro Bay and some free or low-cost resources for older adults.

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Assisted Living Facilities in Morro Bay, California

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What to Consider About Assisted Living in Morro Bay

California’s Senior Care Licensing Program monitors and licenses residential care facilities across the state, including assisted living communities in Morro Bay. The program utilizes 14 regional offices to perform regulatory inspections. Furthermore, the Woodland Hills North Adult & Senior Care Regional Office services the cities within San Luis Obispo County.

Benefits and Drawbacks of Assisted Living in Morro Bay

  • Morro Bay’s temperate climate includes mild winters and hot summers, with a cool ocean breeze to keep humidity levels comfortable throughout the year. Seniors enjoy 284 sunny days, no snow and fewer than two nights with temperatures below freezing in the winter months.
  • Seniors aren’t taxed on their Social Security retirement benefits in Morro Bay, but other forms of retirement benefits are taxed within the state. California also has a 2.5% state penalty on early distributions from IRAs, annuities and other retirement plans. However, residents aged 65 or older with incomes below $89,931 may qualify for an income tax credit of $1,695.
  • California has the highest sales tax rate in the nation at 7.25%, with the total collected in Morro Bay at 8.75% as of July 1, 2023. However, the city’s rate is lower than many other California cities, and groceries and prescription drugs are tax-exempt, benefiting seniors.
  • Like much of California, Morro Bay’s cost of living is higher than the national average, nearly 55% higher overall. However, it’s important to note that a large part of the increased living expenses on the Central Coast comes from high housing costs. This factor is less likely to affect seniors living in residential communities.
  • Although Morro Bay doesn’t have a local hospital, Sierra Vista Regional Medical Center and French Hospital Medical Center in San Luis Obispo are both less than 15 miles away. Morro Bay also has a higher-than-average number of physicians and a local medical clinic that provides primary care, family medicine and internal medicine in an outpatient setting.
  • Seniors in Morro Bay may also feel safer in a city with lower-than-average crime rates. Its property and violent crime rates are lower than the national average and even lower compared to the state average.

Paying for Assisted Living in Morro Bay

Many factors impact assisted living costs, such as location, amenities and housing options, but the average cost in Morro Bay is $5,300 per month.

The Cost of Assisted Living in Nearby Cities

While Morro Bay’s average assisted living cost is higher than the state average by $50 and the national average by $800 per month, it’s not the most expensive city in California. Nearby Oxnard’s average is higher than Morro Bay’s by $450 monthly, and Salinas’ average is higher by $700. Conversely, Hanford has a monthly average that is $950 lower. Meanwhile, Santa Maria matches Morro Bay’s average cost of $5,300 per month.

Morro Bay

$5,300

California

$5,250

United States

$4,500

Hanford

$4,350

Santa Maria

$5,300

Oxnard

$5,750

Salinas

$6,000

The Cost of Other Types of Senior Care

When considering senior care, assisted living is one of the lower cost options. In Morro Bay, in-home care and home health care both cost $7,150 per month but offer the added benefit of allowing seniors to age in place at home. For seniors who need more extensive nursing care than what’s offered at assisted living, semi private rooms in Morro Bay nursing homes average $10,038 monthly.

In-Home Care

$7,150

Home Health Care

$7,150

Assisted Living Facility

$5,300

Nursing Home Facility (semi private room)

$10,038

Financial Assistance for Assisted Living in Morro Bay

Morro Bay seniors who need help paying for some or all of the cost of assisted living may be able to get help through Medi-Cal, California's state-run Medicaid low-cost health insurance program.

Learn more about these programs, plus who’s eligible, on our Assisted Living in California page.

Financial Assistance in California

More Ways to Pay for Assisted Living

While many families use their own funds or personal assets to pay for assisted living, there are plenty of additional options to cover these costs. Some additional ways to finance assisted living costs include:

  • Veterans Benefits
  • Life Insurance Policy
  • Long-Term Care Insurance
  • Reverse Mortgage

For more information about different ways to finance assisted living, visit our Assisted Living in California page.

Free Assisted Living Resources in Morro Bay

Morro Bay and the surrounding area are home to numerous government agencies and non-profit organizations offering help for seniors searching for or currently residing in an assisted living community. These organizations can also provide assistance in a number of other eldercare services such as geriatric care management, elder law advice, estate planning, finding home care and health and wellness programs.

To see a list of free assisted living resources in Morro Bay, please visit our Assisted Living in California page.

Assisted Living Laws and Regulations in Morro Bay

Morro Bay Assisted Living Communities must adhere to the comprehensive set of state laws and regulations that all Assisted Living Facilities in California are required to follow. Visit our Assisted Living in California page for more information about these laws.

Assisted Living Laws and Regulations in California

Reviews of Communities Nearby

Assisted Living

Ed

I am a friend or relative of a current/past resident

Review of Casa De Flores

Dad was in Casa De Flores. It was a nice facility. They were very caring. They took good care of him. The only drawback, like most of the facilities, was he was not happy with the food. I thought...

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Assisted Living

kathleen cairns

I am a friend or relative of a current/past resident

Review of Casa De Flores

The staff of this facility is simply extraordinary. My brother was a resident until he passed away. The care and compassion they had for him was astounding. Not only did they go many extra miles to...

Read more

Assisted Living

Cathy

I visited this facility

Review of Casa De Flores

I had a tour of Casa De Flores. It was welcoming, and it's well maintained. There is hospitality. They have a vintage fountain that serves ice cream. They have delightful 40's music; it was just...

Read more

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Assisted Living near Morro Bay, CA

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Other Options in Morro Bay, CA

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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