The 5 Best In-Home Care Services for Seniors in Duluth, MN for 2023

A port city on Lake Superior, Duluth is home to more than 86,000 residents with its population of those 65 and older at 15.7%. Residents enjoy a cost of living that’s 14.3% below the national average. Health care is also affordable with Duluth coming in 12.4% cheaper than the U.S. average. Hospital options include Essentia Health St. Mary’s Medical Center, which features 24-hour emergency care and a Level I Adult Trauma Center, and St. Luke’s Hospital, which also features an emergency department, for easy access to critical care when needed. Home care in the city has a median cost of $5,815 per month, providing nonmedical assistance to help seniors age in place longer. Licensed medical services are also available with home health care.

Below we’ve compiled a comprehensive directory of every home care provider in the Duluth area – complete with services offered and reviews from families who’ve actually used the service. In addition to our in-depth provider listings, we’ve compiled resources to help seniors and their families to access all the tools they need to age in place safely and gracefully.

Directory of Home Care Services in Duluth, MN

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Paying for Home Care in Duluth, MN

The Cost of Home Care in Duluth, MN

Based on the Genworth Cost of Care Survey, the median cost of home care in Duluth is $5,815 per month. It comes in lower than Minnesota as a whole with a median cost of $858 less, but more expensive than the national median by the same amount. Compared to other Minnesota cities, Duluth is one of the lowest with only Mankato coming in lower at $5,720. Seniors in St. Cloud pay slightly more at $6,038 per month, while Minneapolis home care costs about $1,240 more and Rochester comes in the highest at $7,627.





United States


St. Cloud








The Cost of Home Care vs. Other Senior Care Options in Duluth, MN

Seniors in Duluth needing different services or levels of support might choose options other than home care. This decision often comes down to specific care needs, preferences and available budget. The most affordable option for seniors is adult day care, costing about $1,276 per month. Median assisted living costs come in lower in Duluth than home care, costing $5,000 per month. Seniors who want to stay home but need skilled nursing or medical care can choose home health care for $7,436. Nursing home care is the most expensive option with median rates of $11,602 monthly. 

Home Care


Home Health Care


Adult Day Care


Assisted Living


Nursing Home Care (semiprivate room)


Financial Assistance for Home Care in Duluth, MN

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 for paying 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 non-medical, 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 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 the 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 portion of your home’s equity in cash, tax free. 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 do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Free & Low-Cost Home Care Resources in Duluth, MN

In Duluth, seniors can get help from a variety of resources which enable them to stay in their homes longer. These organizations and programs can make life easier by connecting seniors with services or providing things like meal delivery, property tax reductions and help with medical needs. Many of these programs are free, and others offer the services at a discounted rate to make them more affordable. 

Arrowhead Area Agency on Aging(800) 232-0707The Arrowhead Area Agency on Aging serves residents ages 60 and older with support services geared toward helping them age in place as long as possible. The agency provides personalized help with finding phone and in-person options. It also offers wellness classes and educational resources regarding nutrition and community connections.
Age Well Arrowhead(218) 623-7800This nonprofit organization provides tailored services to help seniors live independently at home. They start with an action plan and offer services like transportation, help around the home and grocery shopping. Caregivers can find resources through the organization as well, including education, decision-making and problem-solving assistance.
Access North(218) 625-1400Access North offers several resources for seniors and people with disabilities to allow them to live independently at home. The Ramp Project provides custom home ramps on a sliding fee scale. The organization also offers veteran's services, support groups and other resources.
Arrowhead Economic Opportunity Agency(800) 662-5711This agency offers several senior services, including nutrition services with community dining sites, meals at restaurants and Meals on Wheels. Homebound seniors can receive regular grocery delivery through the agency. It also has a loan closet providing medical equipment for a one-time rental fee.
Senior Citizen Property Tax Deferral(218) 726-2304Saint Louis County, where Duluth is located, offers a Senior Citizen Deferral program for property taxes. Homeowners 65 and older with incomes of $60,000 or less can have part of their property taxes deferred. The deferral amount becomes a lien that must be paid upon selling or transferring ownership.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – often times it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Checklist for determining the need for home care
Checklist for determining the need for home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

Frequently Asked Questions