Step 1 of 6Learn the kinds of care homes

Is board and care different from assisted living?

In California both hold the same state license. The difference is size: board and care usually means a home licensed for 6 or fewer residents.

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The license
The same for both, from the California Department of Social Services.
The difference
Size. 6,924 of the 8,620 licensed homes are for 6 or fewer residents, 1,368 for 16 or more (CDSS records, November 12, 2026).

Sources: CDSS records · Title 22 §87415

See both kinds of homes near you

In California, “board and care” and “assisted living” are everyday names for the same kind of licensed home. The state calls it a residential care facility for the elderly (RCFE). Nursing homes are a different, medical license.

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What is a board and care home?

A board and care home is usually a house in a neighborhood, licensed for 6 or fewer residents. Staff help with bathing, dressing and medicines, cook the meals, and provide the care and supervision the license requires.

6,924 homes in California are licensed for 6 or fewer residents. That is 80% of all 8,620 licensed homes (CDSS records, November 12, 2026).

What is an assisted living community?

“Assisted living” usually means a larger building with apartments or rooms, a dining room and planned activities. 1,368 homes are licensed for 16 or more residents, and another 328 for 7 to 15 (CDSS records, November 12, 2026).

They hold the same license as a small home, and most of the same rules apply; night staffing is one that differs by size. The state sets no fixed number of staff per resident for either size. Staff must be “sufficient in numbers” to meet residents’ needs.

How do they compare?

Board and care and assisted living, side by side
Board and care (6 or fewer)Assisted living (16 or more)
LicenseRCFE, licensed by the stateThe same RCFE license
Licensed homes6,9241,368
Usual settingA house in a neighborhoodA building with apartments or rooms
At night, 10:00 p.m. to 6:00 a.m.A qualified person on call on the premisesAt least one employee awake on duty, and another on call within 10 minutes
A resident with dementia who needs awake care at nightOne person awake and on dutySomeone is already awake
Title 22 §§87415(a), 87705(b)(2); home counts from CDSS records, November 12, 2026. The night rule shown for large homes is for 16 to 100 residents.

Homes near you, by size

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Is board and care cheaper?

No survey we found gives a price for board and care homes in California. The one survey with a California figure covers assisted living as a whole: a median of $7,000 a month in 2025 (CareScout). Each home sets its own rates.

Ask each home for its all-in monthly rate for the care your family member needs, in writing, and what would make it go up. A home must give 90 days’ written notice of a rate increase, with the reasons.

On SSI/SSP, in a home that accepts it, 2026

A home may charge for basic services$1,444.07

What the basic services amount is made of
Room and board
$706.07
Care and supervision, at most
$738
A home may charge for basic services
$1,444.07

SSI/SSP pays $1,626.07 a month to someone in a licensed care home, who keeps at least $182 for personal needs (CDSS notice PIN 25-19-CCLD). The state calls the basic services amount the “Basic Rate”.

No law we read makes a home accept the SSI/SSP rate. A home need not accept a particular resident , so ask each one before the move.

Is someone awake at night?

Not always in a small home. Between 10:00 p.m. to 6:00 a.m., a home for fewer than 16 residents must have a qualified person on call on the premises. A home for 16 to 100 residents must have at least one employee awake and on duty, and another on call who can respond within 10 minutes.

Ask who is awake at night

Ask each home who is on the premises at night, whether that person is awake, and how many residents they look after.

Can a small home care for dementia?

Yes, if it follows the state’s dementia care rules, which apply to any home caring for a resident with dementia.

A home for fewer than 16 residents adds one thing at night: one person awake and on duty, if a resident with dementia needs awake supervision.

Does Medicare or Medi-Cal pay?

Medicare does not pay to live in either kind of home (Medicare.gov).

Medi-Cal’s Assisted Living Waiver can pay a participating home of either size for care, not rent, in 15 counties. For every way to pay, see paying for a care home.

Which suits your family member?

Neither size is better. A small home is a household with a few residents. A large community has apartments, a dining room, and more people and staff around.

Visit one of each, at a mealtime and in the evening. Ask every home the same things:

Your ticks are kept on this device only.

Questions families ask · 4

Is a board and care home licensed?

A licensed one holds the same RCFE license as a large community. Check the license on the home’s page here, or on the state’s own search, before you visit.

How many people live in a board and care home?

Most are licensed for 6 or fewer residents. The number a home is licensed for is on its page.

Do board and care homes take Medi-Cal?

Medi-Cal does not pay the rent. A home of either size that takes part in the Assisted Living Waiver can be paid for care, in 15 counties. Some homes accept the SSI/SSP rate.

How is a board and care home different from a nursing home?

A nursing home is a medical facility, licensed by the California Department of Public Health, with nurses on duty around the clock. A board and care home is not: it may not admit or keep someone who needs 24-hour skilled nursing care.

Next, step 2 of 6: Ways to pay for care

  • Paying for a care home in California

    Most residents pay privately: about 17% had any care paid by Medicaid in 2022 (CDC). The California median for assisted living was $7,000 a month in 2025 (CareScout).

  • Medi-Cal’s Assisted Living Waiver

    Medi-Cal can pay a participating home for care, not rent, in 15 counties. 15,910 people were waiting in March 2026 (DHCS).

  • SSI in a care home

    SSI/SSP pays $1,626.07 a month in a licensed care home in 2026. A home that accepts it may charge $1,444.07 for basic services.

  • When the money runs out

    A home may give 30 days’ notice once the basic rate is 10 days late. Ask before moving in whether it will take SSI or Medi-Cal later.

All steps

Sources · 6

  1. Chapter 8: Residential Care Facilities for the Elderly. California Code of Regulations, Title 22 (Westlaw, the official publisher), current through Register 2026, No. 41 (October 9, 2026). https://govt.westlaw.com/calregs/Browse/Home/California/CaliforniaCodeofRegulations?guid=IEA3108405B6111EC9451000D3A7C4BC3
  2. Health and Safety Code, Division 2, Chapter 3.2: Residential Care Facilities for the Elderly. California Legislature. https://leginfo.legislature.ca.gov/faces/codes_displayexpandedbranch.xhtml?tocCode=HSC&division=2.&title=&part=&chapter=3.2.&article=
  3. PIN 25-19-CCLD: Estimated SSI/SSP payment standards effective January 1, 2026. California Department of Social Services, December 8, 2025. https://www.cdss.ca.gov/Portals/9/CCL/EM/PIN-25-19-CCLD.pdf
  4. Cost of Care Survey 2025 (surveyed July to November 2025). CareScout, tables dated March 2, 2026.
  5. Long-term care coverage. Medicare.gov. https://www.medicare.gov/coverage/long-term-care
  6. Licensing records for residential care facilities for the elderly. California Department of Social Services, as loaded by Covelight Care, loaded November 12, 2026. The link is the state’s own search, where any home’s record can be checked. https://www.ccld.dss.ca.gov/carefacilitysearch/

The law’s words: the 9 passages this guide cites

Health and Safety Code §1569.2(o)(1)

““Residential care facility for the elderly” means a housing arrangement chosen voluntarily by persons 60 years of age or over, or their authorized representative, where varying levels and intensities of care and supervision, protective supervision, or personal care are provided, based upon their varying needs, as determined in order to be admitted and to remain in the facility. Persons under 60 years of age with compatible needs may be allowed to be admitted or retained in a residential care facility for the elderly as specified in Section 1569.316.”

Read it on California Legislative InformationChecked October 21, 2026 https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=HSC&sectionNum=1569.2

Title 22 §87411(a)

“Facility personnel shall at all times be sufficient in numbers, and competent to provide the services necessary to meet resident needs.”

Read it on the official California Code of RegulationsChecked October 21, 2026 https://govt.westlaw.com/calregs/Document/I6FFD36A0CFB111EDB3018C02996E98C7

Health and Safety Code §1569.655(a)

“If a licensee of a residential care facility for the elderly increases the rates of fees for residents or makes increases in any of its rate structures for services, the licensee shall provide no less than 90 days’ prior written notice to the residents or the residents’ representatives setting forth the amount of the increase and the reason or reasons for the increase, including a description of the additional costs, except for an increase in the rate due to a change in the level of care of the resident.”

Read it on California Legislative InformationChecked October 21, 2026 https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=HSC&sectionNum=1569.655

Title 22 §87101(b)(1)

““Basic Rate” means the SSI/SSP established rate, which does not include that amount allocated for the recipient's personal and incidental needs.”

Read it on the official California Code of RegulationsChecked October 21, 2026 https://govt.westlaw.com/calregs/Document/I071CAC8091E611EFABBBCA16E500CAE4

Title 22 §87464(d)

“A facility need not accept a particular resident for care. However, if a facility chooses to accept a particular resident for care, the facility shall be responsible for meeting the resident's needs as identified in the pre-admission appraisal specified in Section 87457, Pre-admission Appraisal and providing the other basic services specified below, either directly or through outside resources.”

Read it on the official California Code of RegulationsChecked October 21, 2026 https://govt.westlaw.com/calregs/Document/IED7E5E875B6111EC9451000D3A7C4BC3

Title 22 §87415(a)

“The following persons providing night supervision from 10:00 p.m. to 6:00 a.m. shall be familiar with the facility's planned emergency procedures, shall be trained in first aid as required in Section 87465, Incidental Medical and Dental Care Services, and shall be available as indicated below to assist in caring for residents in the event of an emergency:(1) In facilities caring for less than sixteen (16) residents, there shall be a qualified person on call on the premises.(2) In facilities caring for sixteen (16) to one hundred (100) residents at least one employee shall be on duty on the premises, and awake. Another employee shall be on call, and capable of responding within ten minutes.(3) In facilities caring for one hundred one (101) to two hundred (200) residents, one employee shall be on call, on the premises; one employee shall be on duty on the premises and awake; and one employee shall be on call and capable of responding within 10 minutes.(4) Every additional 100 residents, or fraction thereof, shall require an additional one (1) staff person on duty, on the premises and awake.(5) In facilities required to have a signal system, specified in Section 87303, Maintenance and Operation, at least one night staff person shall be located to enable immediate response to the signal system. If the signal system is visual only, that person shall be awake.(6) The requirements of this section shall not prohibit compliance with additional supervisory requirements required by the State Fire Marshal.”

Read it on the official California Code of RegulationsChecked October 21, 2026 https://govt.westlaw.com/calregs/Document/IED17D4895B6111EC9451000D3A7C4BC3

Title 22 §87705(a)

“This section applies to the care of residents diagnosed with dementia. Mild cognitive impairment, as defined in Section 87101, Definitions, is not considered to be dementia.”

Read it on the official California Code of RegulationsChecked October 21, 2026 https://govt.westlaw.com/calregs/Document/I51D2401091E011EFBC74846C0ABE7710

Title 22 §87705(b)(2)

“For facilities with fewer than 16 residents, ensuring there is at least one night staff person awake and on duty if any resident with dementia is determined through a pre-admission appraisal, reappraisal, or observation, to require awake night supervision. This requirement is in addition to requirements specified in Section 87415, Night Supervision.”

Read it on the official California Code of RegulationsChecked October 21, 2026 https://govt.westlaw.com/calregs/Document/I51D2401091E011EFBC74846C0ABE7710

Health and Safety Code §1569.72(a)

“Except as otherwise provided in subdivision (d), no resident shall be admitted or retained in a residential care facility for the elderly if any of the following apply:(1) The resident requires 24-hour, skilled nursing or intermediate care.(2) The resident is bedridden, other than for a temporary illness or for recovery from surgery.”

Read it on California Legislative InformationChecked October 21, 2026 https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=HSC&sectionNum=1569.72

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The law’s words