The 10 Best Home Care Agencies for Seniors in Napa, CA for 2025

At an average monthly cost of $6,435, home care in Napa is nearly $1,500 higher than the national average of $4,957 but is only several hundred dollars higher than the statewide average of $6,101. Residents of San Jose pay the highest home care costs in California at $7,102 per month, while the most affordable costs are found in El Centro at $3,432. In the northern part of the state, home care costs average $6,673 in Redding. Those in the Central Valley community of Fresno pay an average of $5,529 per month for home care. 

Next to nursing home care, which costs $10,646 per month for a shared room, home care and home health care are the most expensive senior care options in Napa. At a monthly average of $6,300 per month, assisted living costs are slightly less than home care and home health care, which each cost $6,435 per month. The most affordable option is adult day health care at $2,275, which takes place at community centers and other sites and provides organized activities and meals, but it’s only available during the day on Monday through Friday.

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

• Long-Term Care Insurance: Long-term care insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
• Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
• Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
• Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living. Contact the Department of Veterans Affairs to learn more.
• Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.