The 10 Best Home Care Agencies for Seniors in Wilmington, DE for 2025

The Genworth Cost of Care Survey reports that seniors in Wilmington pay $5,329 per month on average for in-home care. This is consistent with the state average of $5,339, but it’s several hundred dollars over the national norm of $4,957. Seniors across state lines may pay more affordable rates, with agencies in Baltimore, MD, charging about $370 less for care and residents in Vineland, NJ, paying $4,767 for services. In Winchester, VA, monthly care costs come in at $4,671, and in Reading, PA, monthly fees come in at about $750 less than in Wilmington.

In Wilmington, home care costs approximately $5,329 per month. This is $10 less than the cost of home health care, which includes skilled nursing services, and it’s about $350 less than the cost of assisted living, which includes housing, meals and personal care services. Nursing homes charge about double the cost of in-home care, with fees starting at $11,437. Adult day health care is considerably more affordable than home care at $1,777 per month.

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help to pay for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

• Long-Term Care Insurance: Long-Term Care Insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations, typically a maximum benefit of $150 per day, and exact coverage terms vary depending on the exact policy, so always check the details.
• Medicare: Medicare does not cover in-home care because it is classified as custodial or nonmedical care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
• Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care services either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
• Veterans' Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with activities of daily living. Contact the Department of Veterans Affairs to learn more.
• Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a tax-free portion of your home's equity in cash. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.