Memory Care Communities in Tracy, California

With an average cost of $4,561 per month, memory care communities in Tracy are about 18.9% cheaper than the national norm and 30.5% less than the state average. Additionally, the city is affordable than neighboring areas such as San Francisco, where care is about 73.1% costlier, and Sacramento, where prices are around 43.1% higher. Nearby cities have similar costs, such as Modesto's rate of $5,000 per month, but Tracy is still one of the lowest-priced options in the region.

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 costs an average of $4,561 per month in Tracy.

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 is moderately priced compared to other senior care options in Tracy. For instance, nursing homes charge around 119.5% more as they provide intensive, 24/7 medical monitoring. Home health care offers light medical services in seniors' private homes for 20.1% more, while in-home care is $921 costlier, offering one-on-one assistance with daily tasks at home. On the other hand, assisted living is $912 cheaper than memory care because it mainly serves semi-independent seniors in a communal setting, while adult day health care costs $2,503 less because services are limited to daytime hours.

California's Community Care Licensing Division regulates memory care communities in Tracy and the rest of the state. Beyond enforcing health and safety rules, the agency investigates complaints about care quality to protect seniors' rights.

• In Tracy, property crime has steadily dropped in recent years, according to the FBI. For added peace of mind, memory care communities typically have security cameras and monitored entrances to protect residents.
• The weather in Tracy ranges from hot and dry to somewhat cold and wet. Summers see highs around 92 degrees Fahrenheit in July, while winter temperatures drop to around 40 degrees Fahrenheit in December. Winter is also the area's rainy season, although total monthly rainfall typically stays below 4 inches. Many memory care communities have extensive indoor activities to keep residents busy during poor weather.
• According to California's State Fire Marshal, many regions surrounding Tracy have a moderate wildfire risk. This could be concerning for some seniors and families, and it could negatively impact Tracy's air quality. However, many memory care communities have fire safety plans and air filtration systems to protect residents during emergencies.
   
• The cost of living in Tracy is about 22% higher than the U.S. norm. Additionally, California's state income taxes are higher than average, ranging from 1% to 12.3%. This may be concerning for some seniors and families, but there are financial perks that may offset some of these higher costs. The state offers tax exemptions for Social Security benefits, and Sutter Tracy Community Hospital provides free or reduced-cost care to qualifying individuals.
• Data from the Environmental Protection Agency shows that many water systems in Tracy exhibit impairment, which can negatively impact the safety of tap water. However, memory care communities may use water filter systems to protect residents against contaminants.