CLCare and Living GuideCare, costs, and coverage — in plain wordsGet help
Data from Medicare & Medicaid sourcesHow we check our sources  ·  Español
Practical information. Clearer care decisions.

Home › Providers › California › Monterey › El Estero

Independent living

El Estero

Independent living in Monterey, California

Checked November 2, 2026

Provider details
Address151 Park Ave, Monterey, CA 93940
CityMonterey
StateCalifornia
Phone(831) 757-6254x125
Websitehttps://chispahousing.org
Age requirement62 and older
Age rule basisSection 202 is HUD's housing program for elderly households; eligibility requires the head of household to be age 62 or older.
Apartments26
Housing programHUD Section 8 (Section 202 property)
Income restrictedYes

El Estero Senior Apartments in Monterey is a small community built in 1990 with 26 studio and one-bedroom homes, each between 438 and 510 square feet. Each home has a gas range and a refrigerator. Neighbors share a community room and laundry facilities. The apartments are for seniors age 62 or older and for people with a disability. Rent is set at 30 percent of the income of everyone in the household. People join through a waiting list, using a pre-application from CHISPA, the nonprofit that runs the housing.

More about this provider

CHISPA's Rentals page describes El Estero Senior Apartments as constructed in 1990 with twenty-six studio and one bedroom units ranging from 438 to 510 square feet, with gas ranges and refrigerators, a community room and laundry facilities, rents calculated at 30% of the income for all persons in the household, for seniors 62 or older or people with a disability; CHISPA's pre-application document for El Estero at 151 Park Avenue, Monterey, CA 93940 describes its waiting-list application process.
Services and programsCHISPA, the nonprofit operator, states on its own Rentals page under 'About El Estero Senior Apartments': constructed in 1990; twenty-six studio and one bedroom units ranging from 438 to 510 square feet; gas ranges and refrigerators; community room and laundry facilities. Its own pre-application document for El Estero describes the waiting-list application process run by CHISPA Housing Management.
Who it servesCHISPA states on its Rentals page: 'Qualifications: Seniors 62 or older or people with a disability.' Its pre-application asks whether all household members are 62 years of age or over and asks about mobility, hearing, and sight impairments for accommodation purposes.
Payment types it statesCHISPA states on its Rentals page: 'Rents are calculated at 30% of the income for all persons in the household.' No other payment or funding type is stated by the provider on the pages read.
Visiting and contact detailsFrom CHISPA's own El Estero pre-application: 'El Estero, 151 Park Avenue, Monterey, CA 93940, 831-655-0924'. From the same document's CHISPA header: CHISPA, 295 Main St Suite 100, Salinas, CA 93901, Phone #: 831-757-6254, TDD Line 831-758-9481, Fax#: 831-757-8025, Email: [email protected].
Websitehttps://chispahousing.org

Who pays for independent living?

What this care costs, and who pays — Medicare, Medicaid, or the family — is covered in these guides:

Independent living guide · Paying for care

Common questions about El Estero

Where is El Estero located?

El Estero is at 151 Park Ave, Monterey, CA 93940.

How do I contact El Estero?

Call El Estero at (831) 757-6254x125.

How much does independent living cost?

There is no single price for independent living. Rent is set by each community and varies a lot by city. The cost survey this site uses does not publish a national median for independent living, so we do not print one. Medicare does not pay for it, so families pay the rent out of pocket. See our guide to independent living costs and who pays for the full picture.

Does Medicare pay for independent living?

No. Medicare does not pay rent or housing costs. It pays for your medical care while you live there, like doctor visits, hospital care, and home health visits. The housing itself is paid out of pocket.

What is the difference between independent living and assisted living?

Independent living is housing for older adults who can live on their own. It gives a private home, meals in some places, and social activities. It does not include help with daily tasks. Assisted living adds that help. Staff help with bathing, dressing, and medicine, and staff are on hand day and night.

Who else pays for independent living besides Medicare?

Families pay the rent out of pocket. No insurance pays for independent living rent. Low-income senior apartments funded by HUD keep rent lower for people who qualify. Some veterans put VA pension payments toward the rent.

Related Guide

Recommended articles