The Best Home Care Agencies for Seniors in Sunnyvale, CA for 2025

Like those in other San Francisco Bay Area communities, Sunnyvale residents pay an average of $6,864 per month for home care service. This is much higher than the national average of $4,957 but is closer to the statewide average of $6,101. Those slightly to the south in San Jose pay the state’s highest costs at $7,102, while their counterparts near the southern border with Arizona in El Centro have the most affordable home care services at $3,432. Midrange costs are found in Santa Rosa at $6,292 and Chico at $5,720.

At an average of $6,864, home care in Sunnyvale is slightly less expensive than home health care, which averages $7,150 per month and includes light medical services. Residents of assisted living facilities pay an average of $6,319, while those who need 24/7 clinical care pay an average of $11,566 for a nursing home. Adult day health care costs $1,950 per month, but this service takes place in community settings and typically isn’t available evenings and weekends. 

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.