Sacramento-Stockton-Modesto CA Metro 55+ Active Adult Retirement Communities

29 Communities near Sacramento-Stockton-Modesto CA Metro

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Situated at the confluence of the Sacramento River and the American River, the Sacramento area is a true gem of Northern California. Active adult communities in the Sacramento area are located less than two hours northeast of San Francisco and west of the Eldorado National Forest.

The Stockton-Modesto area is a region in Northern California that sits directly east of the Bay area. With mountains, deserts and beaches a short drive away, residents in the Stockton-Modesto area are never far from their next adventure.

Climate & Geography

The Sacramento area boasts a Mediterranean climate with hot, dry summers and mild winters. October through April is the wet season while light rainfall can occur in June or September. Snow is very rare in this part of Northern California, although Sacramento area residents may see an occasional flurry or light dusting. Snow does accumulate in the foothills and mountains to the east, including the famous ski resorts at nearby Lake Tahoe. Temperatures range from the mid 40s in the winter to the mid 70s in July.

Stockton, just 24 miles north of Modesto, is located along the San Joaquin River and experiences hot and dry summers with mild winters and has roughly 14 inches of rain per year from October through April. Modesto has a similar climate, with the hottest days reaching 94° and the coldest roughly 37°. Modesto averages 12 inches of rain per year.

The Sacramento metropolitan area is 100 square miles, a vast majority of which is non-residential land. West of Sacramento is home to a flood control basin, so Sacramento’s metropolitan area expands mostly to the northeast and east into the Sierra Nevada foothills and to the south.

The Stockton-Modesto area is located in the North San Joaquin Valley within the Central Valley. This region is bordered by the Sacramento-San Joaquin River Delta in the north, the Tehachapi Mountains in the south, the coastal ranges in the west and the Sierra Nevada Mountains to the east. 

Recreation, Culture & Entertainment

With a beautiful climate, it’s no surprise that outdoor activities are popular with active adults and retirees in the Sacramento area. Parks, sporting fields and nature preserves offer a wide range of outdoor activities including hiking, biking, kayaking, boating and wildlife observation. Some of the more popular Sacramento parks include Capitol Park, McKinley Park and the immense William Land Park that has a zoo, two golf courses and picnic areas.

The Stockton-Modesto area is home to the San Joaquin River, Tulare Lake, and the Pacific Ocean just next door, creating several opportunities for fishing and boating. Residents also enjoy exploring the Kern National Wildlife Refuge, the Tule Elk State Reserve, and the Pixley National Wildlife Refuge which is home to approximately 6,000 birds during the winter. 

Active adults in the Sacramento area will delight in the selection of golf courses. Many beautiful and challenging courses can be found throughout the Sacramento area. A few well-known public courses include the Empire Ranch, Teal Bend and Turkey Creek Golf Clubs. Golfers might also want to try the city’s beautiful 18-hole championship Bartley W. Cavanaugh Golf Course. 55+ communities in the Stockton-Modesto area are close to the Swenson Park Golf Course, the Van Buskirk Golf Course, and the Creekside Golf Course.

Residents and visitors in the Sacramento area have plenty of cultural offerings at their fingertips, including a variety of performing arts centers and art museums. History buffs will love Old Sacramento, the Gold Rush-era buildings, and museums, as well as contemporary boutique shops and a charming boardwalk along the Sacramento River.

Retirement communities in the Stockton-Modesto area are close to Modesto’s cultural attractions including the Bob Hope Theatre, Haggin Museum, McHenry Mansion, the Great Valley Museum of Natural History, and the Modesto Symphony. For the wine lovers there are 151,000 acres of vineyard growth in the San Joaquin Valley, making it the largest wine region in the state.

Cost of Living & Taxes

Sacramento and the Stockton-Modesto area both have a cost of living higher than the rest of the country. Although Sacramento is more expensive than the United States on average, it is approximately 14% less expensive than the rest of California; residents in the Stockton-Modesto area pay approximately 17% less than the rest of the state.

California has a 7.5% sales tax and a 13.3% individual income tax. There is some relief for those who choose a 55+ community in the Stockton-Modesto area, as homeowners who choose California as their primary residence can qualify for a $7,000 reduction in the taxable value of their property. California residents can also find relief in tax programs for seniors with low incomes, an option to postpone property tax payments, and a property tax ceiling, as well as enjoying untaxed Social Security benefits.

Health Care

Residents in the Sacramento area benefit from having 20 hospitals in the metropolitan area including Kaiser Permanente Sacramento Medical Center, Sutter Roseville Medical Center, Kaiser Permanente South Sacramento Medical Center, and Sutter Medical Center.

Residents in the Stockton-Modesto area have several nearby options for health services. St. Joseph’s Medical Center and Dameron Hospital are in the Stockton area, while Modesto has Doctors Medical Center, Memorial Medical Center, and Stanislaus Surgical Hospital.

Residents in the Sacramento-Stockton-Modesto area also have easy access to the medical centers of the Bay area, with the nationally ranked UCSF Medical Center and the John Muir Medical Center in San Francisco. 

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