The 10 Best Home Care Agencies for Seniors in Charlotte, NC for 2025

The monthly cost for full-time home care in Charlotte is $4,668, according to Genworth’s 2021 Cost of Care Survey. This is less than the national average of $4,957 but more than the state average of $4,385. In nearby Hickory and Fayetteville, the cost is $4,099 and $4,004 per month, respectively, while seniors in Winston pay around $3,909. Asheville has one of the highest costs for home care in nearby cities with a monthly average of $4,957.

Long-term care costs vary greatly in Charlotte, from $1,192 per month for adult day care to $7,756 per month for a semiprivate room in a nursing home. Assisted living in a mid-range residential care option costs $4,400 per month. Home care is around $4,668, and home health care is slightly more at $4,767.

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.

Home care services are only one of the pieces needed for seniors to gracefully age in place. There are many services and programs that are low-cost or free, that enable seniors to enjoy an independent lifestyle in the comfort of their own home, such as help with home modifications, meal delivery services, and more. Below, we’ve compiled a few of the most helpful resources in Charlotte:

NCDHHS Aging and Adult Services

Address: 2011 Mail Service Center, Raleigh, NC 27699-2101
Phone Number: (919) 855-3400

North Carolina Department of Health and Human Services strives to facilitate independence and enhance the process of aging through a community-based system of services, opportunities, protections, and benefits. Seniors, families and caregivers can find numerous options to develop care plans to help seniors remain independent and various ways to help when it is time to move toward assisted living.

Centralina Area Agency on Aging

Address: 9815 David Taylor Dr., Charlotte, NC 28262
Phone Number: (704) 0372-2416

Centralina AAA is committed to helping people with disabilities and older adults reside in their communities independently and with dignity. Centralina AAA offers programs to help individuals using both families and agency services and support. Services include adult day care/health, caregiver support services, home-delivered meals, housing and home improvement, information and options counseling, in-home aides, legal assistance, lunch bunch/group meals, senior centers and transportation.

Charlotte Senior Centers

Shamrock Senior Center

Address: 320 Shamrock Drive, Charlotte, NC 28215
Phone Number: (980) 314-1175

Tyvola Senior Center

Address: 2225 Tyvola Road, Charlotte, NC 28215
Phone Number: (980) 314-1320                            

Charlotte’s senior centers provide an array of programs designed to improve cognitive and physical health, widen senior’s support systems and provide assistance finding services to help them remain independent. The centers utilize the nationally recognized Health Promotion/Disease Prevention programs to design classes, including exercise opportunities, health programs and education programs.

Aging in Place

Address: Housing & Neighborhood Services, 600 East Trade Street, Charlotte, NC 28202
Phone Number: (704) 336-3380

Aging in Place is an innovative program developed by the City of Charlotte to help senior homeowners continue living in their own homes independently and comfortably, despite age, income, or ability.  Low-income/moderate-income senior homeowners have the opportunity to age in place” with the assistance of grants through an easy application process.

Low Income Energy Assistance Program

Address: Valerie C. Woodard Center Suite 1800, 3205 Freedom Drive, Charlotte, NC 28208
Phone Number: (704) 432-1111

The Mecklenburg County Department of Social Services helps eligible households through the Low Income Energy Assistance Program (LIEAP). LIEAP is a federally funded program that provides a one-time direct vendor payment of $300, $400 or $500 to prevent disconnection or account delinquency of electricity.