Communities in Gilroy, CA

In Gilroy, memory care residents pay $7,500 monthly for specialized care. This is higher than California’s average of $6,563 and the national norm of $5,625, as well as rates in most nearby cities. For example, in Santa Cruz, monthly rates are hundreds of dollars less than in Gilroy at $6,938, and in Modesto, memory care facilities charge $5,000 for care. However, Gilroy offers a budget-friendly alternative to San Francisco, where monthly memory care rates average $7,899.

Note: Residential memory care is usually offered in assisted living facilities, and in general, memory care rates tend to be 20-30% higher than assisted living rates. No national database currently tracks memory care costs in the United States, so we've estimated the monthly memory care costs listed below by adding 25% to the rates listed in Genworth's 2021 Cost of Care Survey.

Memory care facilities in Gilroy charge $7,500 per month for dementia-specific services.

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

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

For more information about different ways to finance memory care, visit our Memory Care in California page.

Memory care communities in the Gilroy region charge an average monthly rate of $7,500 for care, exceeding the costs associated with most other local senior care solutions. For example, seniors who live in their own homes and arrange private care services pay $7,102 for in-home care, a nonmedical option that includes basic housekeeping, companionship and personal care, as well as home health care, which features skilled nursing. Similarly, seniors who live in residential care facilities but don’t need dementia support pay $6,000 to cover housing and personal care services, and those who attend adult day health care facilities during the day pay $1,820 for personal care and skilled nursing services. 

The California Department of Social Services licenses all memory care communities in Gilroy, as well as in the rest of the state, through the Community Care Licensing Division, Senior Care Licensing Program. The department publishes information on how facilities obtain licensure, as well as details on statewide resources for seniors and families seeking memory care services.

• The cost of living in Gilroy surpasses the national norm by 61.6% and is prohibitive for many prospective memory care residents with budgetary limitations to consider. Housing costs are especially high, exceeding the national norm by 53%, and utility costs exceed the national average by 45%. While this drives up memory care costs, many memory care communities in the region accept the California Assisted Living Waiver. 
• California fully taxes most forms of retirement income at rates from 1-13.3%, impacting how much seniors can put toward memory care expenses in Gilroy. Fortunately, the state has a senior income tax exemption to help seniors retain a greater portion of their income, and it doesn’t tax Social Security benefits, regardless of a taxpayer’s income.
• St. Louise Regional Hospital, located in Gilroy proper, has a 24-hour emergency department, 245 physicians on staff and 93 licensed beds. The hospital provides a full range of specialties, including general surgery, imaging services and orthopedics. While it doesn’t provide dementia care, it refers patients to local providers who administer diagnostic and treatment services.
• Santa Clara County, where Gilroy is located, ranks 3rd in the state for overall health. The overall life expectancy in this region is among the highest in the state and nation at 84.7 versus California’s norm of 81 and the U.S. average of 78.5, and about 53% of Medicare beneficiaries routinely get the flu shot compared to 46% statewide, promoting infection control in memory care communities.
• Santa Clara County serves as a member of the Dementia Friendly America Network and offers an array of resources and dementia-specific initiatives, such as options counseling, educational classes and support groups.
• Gilroy’s crime rate exceeds that of 86% of U.S. communities and 75% of all California communities, with the city reporting 26.26 violent or property-related incidents per 1,000 people annually. However, this crime rate is normal for communities with Gilroy’s population size, and most criminal activity takes place in just four neighborhoods in central Gilroy. To support residents’ safety, many memory care communities have high-security locks, as well as fully enclosed courtyards.