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How Much Does In-Home Care Cost Per Month?
Date Updated: December 16, 2024
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Lauren is an experienced copywriter with a passion for crafting impactful narratives in the senior care industry. Her work covers essential topics such as assisted living and dementia care, providing valuable insights to readers. Collaborating with leading senior care provider websites such as Caring.com, PayingforSeniorCare.com, and AssistedLiving.org has deepened her appreciation for senior living and elder healthcare. Lauren’s goal is to empower seniors and their families with the knowledge needed for informed long-term care decisions.
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Dr. Brindusa Vanta is a health care professional, researcher, and an experienced medical writer (2000+ articles published online and several medical ebooks). She received her MD degree from “Iuliu Hatieganu” University of Medicine, Romania, and her HD diploma from OCHM – Toronto, Canada.
In-home care costs $5,720 per month in the United States, per the Genworth 2024 Cost of Care Survey. Costs vary by the state, care level and number of care hours provided weekly. An alternative to assisted living facilities, in-home care enables seniors to age safely and comfortably at home.
A Breakdown of In-Home Care Services
Seniors in the United States incur a median expense of $5,720 per month for in-home care. These fees encompass a range of services designed to support seniors in maintaining their independence by helping them age in place safely at home. These services include:
- Assistance with activities of daily living, such as bathing, dressing and grooming
- Light housekeeping
- Meal preparation
- Transportation for errands and appointments
Those considering in-home care for a loved one must ensure the care chosen reflects the individual's needs. A health care provider can conduct a comprehensive evaluation and determine the level of care that best suits an older adult's needs. The extent and frequency of care required directly impact the overall cost. Typically, part-time care (about 20 hours per week) costs significantly less each month than full-time care (40 hours) and around-the-clock care (168 hours).
Factors Influencing In-Home Care Costs
Various factors influence the monthly cost of in-home care. Geographical location plays a key role in determining costs. In states with higher costs of living, home care rates trend higher. Costs may also increase in areas with limited numbers of home care providers. In the United States, Montana has the highest monthly rate of $9,438, followed by New Mexico at $8,580 and Washington at $8,294. In Oklahoma and Arkansas, costs fall below the national standard, at $3,813 and $3,623, respectively. Mississippi, the most affordable state for home care, has typical monthly rates of $2,860.
The type of home care needed also determines how much individuals pay. Basic in-home services, such as companion care, generally cost less than personal care assistance. Seniors requiring medical care can contract with a home health care agency at a median monthly rate of $6,292.
Financial Planning for In-Home Care
When considering in-home care, seniors and families need to plan effectively and explore all available financial assistance options. A financial advisor or an elder care specialist can help budget for care costs and suggest affordable in-home care options.
Many individuals utilize a combination of personal savings, long-term care insurance and government programs, such as Medicaid waivers and veterans' benefits. State-specific assistance programs often provide additional benefits and financial assistance. The local Area Agency on Aging can provide more information about the local care options and make referrals to resources.