How Much Does 24/7 In-Home Care Cost Per Month?

Typically, 24/7 in-home care costs around $21,840 per month in 2024, according to Genworth’s Cost of Care Survey. However, monthly fees depend on where seniors live and what personalized services they need. Although many older adults wish to age at home, other long-term care settings often offer more affordability.

The countrywide median monthly price of around-the-clock in-home care runs almost $22,000 as of 2024. Location significantly influences fees, with cost fluctuations on state and city levels. The most affordable states for 24-hour non medical home care include Mississippi, Arkansas and Oklahoma, where monthly mid-point rates stand at $10,920, $13,833 and $14,559, respectively. Some of the nation’s priciest places for in-home care include Montana, New Mexico and Washington, where seniors usually pay in excess of $31,600 per month. Minnesota, Illinois and Maryland share the national median price.

Costs also fluctuate within states. For example, standard pricing for 24/7 in-home care in Texas is $16,380. However, comparing city norms, home care agencies tend to charge about $10,920 each month in Lubbock and McAllen, $12,741 in El Paso, $17,835 in Houston, $18,201 in San Antonio, $20,385 in Dallas and $23,295 in Austin.    

Older adults may require 24/7 in-home assistance for diverse reasons, including limited mobility, extensive support needs with several everyday activities — such as toileting and maintaining personal hygiene — or around-the-clock supervision for people with dementia. Home care companies devise personalized care plans to meet individuals’ needs, and monthly prices reflect the exact tailored services provided.

Full-time care may include a live-in aide or several caregivers working shifts to provide continuous assistance. The latter arrangement generally incurs higher costs than live-in support. Sometimes, couples arrange 24-hour in-home care to enable them to remain living together in a familiar environment. Costs also consider the number of people receiving home care services.

Because regular home care doesn’t include medical attention, home health care better suits seniors with clinical needs. Nationally, 24/7 home health care costs roughly $24,024 per month. Despite the higher price, this type of care might work out more cost-effectively than nonmedical home care; financial assistance programs, such as VA benefits and Medicaid, fund medically necessary 24/7 home health care for qualifying seniors. No programs cover 24-hour home care.

Nursing homes provide a more economical solution than 24-hour care at home for individuals who need full-time supervision. Median monthly fees run $8,669 nationwide for a semi-private room and $9,733 for a private room. Costing about $5,350 per month, assisted living offers even greater affordability for those who don’t need medical support or constant monitoring. Similarly, dedicated memory care neighborhoods charge significantly less than around-the-clock in-home care. They provide 24-hour supervision in a secure setting for those with cognitive impairments.