What is the Cost of 24-hour in-home care in the US?

 

The average 24-hour in-home care cost in the U.S. is $18,144 per month, but rates can range from $15,000 to over $25,000 per month, depending on where you live, and the type of care required.

That’s an average of $27 an hour, which is what most home care agencies in cities like Boston charge.

However, there are a lot of moving parts to around the clock in-home care for older adults. If you’re considering 24/7 in-home care for your aging loved ones, you should take a close look at what the weights could be on your pockets.

In this guide, we’ll break down 24-hour in-home care cost by:

• State-by-state price comparison (cheapest to most expensive)
• Type of service needed (companion care, personal care, medical care, etc.)
• Factors affecting pricing and ways to reduce costs

 

What Determines 24-Hour In-Home Care Cost?

While the cost for 24-hour in-home care isn’t fixed, several factors influence the final price:

• Location: High-cost states like California, Massachusetts, and New York have higher hourly rates than Southern or Midwestern states.
• Care Type: Companion care is more affordable than personal care or medical-based home health care.
• Caregiver Experience: Specialized caregivers, such as home health aides (HHAs) or CNAs, charge higher rates. Highly experienced caregivers may command a higher hourly rate due to their specialized skills.
• Specialized Equipment: If medical devices (oxygen tanks, mobility aids, etc.) are required, costs increase.
• Holiday & Overtime Pay: Weekend and overnight shifts often incur additional charges

Average Cost of 24/7 In-Home Care in the US

On a national scale, the median cost for 24/7 in-home care averages around $18,144 per month. It’s important to note that this cost can vary based on geographical location and individual needs. 

In cities with a higher cost of living, such as Boston, the cost of 24/7 care might lean toward the upper end of the spectrum.

Breaking Down 24-Hour In-Home Care Costs by Service Type

The 24-hour in-home care cost varies depending on the level of care needed. Here’s what you can expect to pay for different types of services:

1. Companion Care (Most Affordable: $15,000 – $19,000 per month)

• Assistance with light housekeeping, meal prep, and social engagement
• No medical care provided
• Ideal for seniors needing supervision but no hands-on care

2. Personal Care & ADL Assistance ($18,000 – $22,000 per month)

• Help with bathing, grooming, dressing, toileting
• Assistance with transfers (wheelchair, bed, etc.)
• More hands-on than companion care

3. Home Health Aide (HHA) or Certified Nursing Assistant (CNA) Care ($22,000 – $26,000 per month)

• Medication reminders & wound care
• Skilled medical support (dementia care, mobility aid)
• Includes all personal care + medical-related tasks

Now, how much does 24/7 in-home care cost per month? The answer depends on whether basic companion care suffices or if a home health aide is required.

The costs of 24/7 in-home care are often structured by home care agencies like this:

• Hourly Rates: The customary rate typically hovers at approximately $27 per hour.
• Weekly and Monthly Costs: For round-the-clock care, the weekly cost equates to roughly $4,536, while the monthly cost reaches approximately $18,144.
• Additional Expenses: Beyond the standard hourly rate, potential supplementary expenses include medical supplies, equipment, transportation, and overnight care

 

 

With the current increase in caregiver shortage in the US, particularly with new immigration policies, the costs are more likely to increase.

 

Home Health Care Vs Home Care Costs

I must emphasize that home care and home health care are quite different services in the US. Home health care requires medical certifications with a focus on medication management for seniors. Home care is a more benign activity.

This means the costs will vary between working with Personal care aides (caregivers) vs home health care aides (HHAs).

How to Reduce the Cost of 24-Hour In-Home Care

Explore financial aid: Medicaid, VA benefits, and long-term care insurance can cover some costs.

Use part-time care: Instead of full 24-hour service, try 12-hour shifts or a mix of family caregiving + paid help.

Move to a cheaper region: Consider relocating to a state with lower costs.

 

Funding Options for 24/7 In-Home Care

You can navigate the financial aspects of 24/7 in-home care with a couple of funding sources:

• Private Health Insurance: Certain insurance plans extend coverage to specific in-home care services.
• Medicare and Medicaid: These programs may cover medically necessary home care services for eligible individuals.
• Long-Term Care Insurance: If available, this insurance can provide substantial support in covering in-home care costs.
• Veterans’ Benefits: Veterans Affairs (VA) programs offer potential assistance to those eligible.
• Out-of-Pocket Payments: Many families utilize their own resources to contribute to covering the costs.

 

 

Benefits of 24/7 In-Home Care for Seniors

The advantages of opting for 24/7 in-home care extend far beyond the realm of financial considerations:

• Personalized Care: Tailored services cater specifically to the unique needs and preferences of each individual.
• The comfort of Home: Aging loved ones can continue their journey in a familiar and beloved environment.
• Social Engagement: Caregivers play a pivotal role in providing companionship and nurturing a sense of community connection.
• Independence: This approach promotes independence and empowers seniors to maintain control over their daily lives.
• Family Support: In-home care alleviates the strain on family caregivers, allowing them to focus on their well-being and responsibilities.

 

Is 24/7 In-Home Care Worth the Investment?

Many families worry about the cost for 24-hour in-home care, but the benefits outweigh the costs:

• Personalized care tailored to your loved one’s needs
• Familiar environment for seniors who prefer to stay home
• More independence compared to nursing homes

If you need affordable 24-hour in-home care cost estimates, contact Global One Home Care Agency at (978) 678-3366 to explore cost-saving options.

Learn more about hiring a professional caregiver for your elderly loved ones.

 

Disclaimer

These figures provide a general overview of the estimated average monthly costs of 24/7 in-home care for each state. Actual costs may vary based on individual circumstances, caregiver rates, and specific care needs. 

It’s recommended to research and consult with local home care agencies to obtain accurate and up-to-date cost information.

Looking for a home care agency in Boston? Consider reaching out to Global One Home Care Agency, and let’s see how best we can serve you.

Source: Average costs based on industry data and trends.

Please note that the information provided in this guide is based on industry data and trends. 

 

Comparing In-Home Care to Other Adult Care Options: Costs at a Glance

A succinct comparison highlights the distinctions between in-home care and other care alternatives:

Home Care Vs Assisted-Living Communities

Assisted-living communities are residential facilities designed for seniors who value their independence but require some level of assistance with daily activities. 

These communities offer a supportive environment where residents live in their own private apartments or rooms. Services typically include housekeeping, meals, transportation, and access to medical care if needed.

Benefits of Assisted-Living Communities:

• Residents maintain a degree of independence while enjoying assistance as required.
• Access to planned social and recreational activities, fostering a sense of community.
• On-site medical professionals and staff provide immediate support when necessary.

Monthly Costs: Assisted-living communities come at an average monthly cost of around $4,500. 

This fee encompasses accommodation, meals, and basic services, with potential variations based on location and the level of care needed.

Discover more important differences between assisted living vs in-home care.

 

Nursing Homes Vs Home Care Costs

Nursing homes provide comprehensive medical care and support for individuals with more complex health needs. 

These facilities are staffed by medical professionals, including nurses and doctors, ensuring round-the-clock medical supervision. Nursing homes offer assistance with daily activities, medical treatments, and skilled nursing care.

Benefits of Nursing Homes:

• Intensive medical care and support for individuals with chronic illnesses or complex medical conditions.
• Availability of specialized medical services, therapies, and treatments.
• Around-the-clock medical attention, ensuring safety and prompt medical intervention.

Monthly Costs: The cost of nursing homes varies based on the type of room and location. Semi-private rooms average around $7,908 per month, while private rooms can cost around $9,034 per month. 

These costs cover accommodation, medical care, and access to medical professionals.

Continuing Care Retirement Communities (CCRCs) Vs Home Care

CCRCs offer a continuum of care, allowing residents to transition seamlessly from independent living to assisted living and even skilled nursing care as their needs change over time. 

These communities provide a unified environment where seniors can age in place while accessing different levels of care without the need to relocate.

Benefits of CCRCs:

• A comprehensive solution that accommodates changing care needs without moving between facilities.
• Access to various amenities, social activities, and healthcare services within a single community.
• The convenience of a coordinated care approach that evolves alongside the individual’s needs.

Cost Structure: CCRCs involve an initial upfront fee, which can range from $25,000 to over a million dollars, depending on the facility and location. Additionally, a monthly fee of approximately $3,555 covers services, amenities, and care, with potential annual increases.

Making the right decision

Below is a comprehensive comparison of various adult care options, including home care, assisted living facilities, nursing homes, and continuing care retirement communities (CCRCs).

Care Option	Average Monthly Cost (National)*	Additional Costs	Key Features and Benefits
Home Care	$18,144	Medical supplies, equipment, etc.	Personalized care, comfort of familiar surroundings, companionship
Assisted Living Facilities	$4,500	Move-in fees, extra care	Independence with access to medical care, planned activities
Nursing Homes	$7,908 (semi-private)	Private room costs more	Comprehensive medical care, around-the-clock skilled nursing
	$9,034 (private)	Bed hold fees, extra care
Continuing Care Retirement Communities (CCRCs)	$3,555	Upfront fees, additional care	Gradual transition from independent to skilled care in one place

*Costs are national averages and can vary based on location, services offered, and other factors.

As you consider these options, remember that the right choice depends on your loved one’s individual needs, preferences, and financial situation. 

It’s important to have open discussions and explore each option’s advantages and disadvantages. By comparing costs and weighing the benefits, you can find the best fit for your loved one’s care journey.

 

How to Get 24-Hour Care for the Elderly at Home

Getting 24-hour home care for elderly loved one is not the easiest thing to do.

You need to find the right caregiver (probably through a care agency that does all the vetting), set up a care plan, figure out how to pay for home care and follow up to make sure your loved ones are well taken care of.

Let’s help you do just that.

Finding the Right Caregiver

Finding the right caregiver is definitely the most important step to getting 24/7 care at home for your elderly loved ones. Their experience, empathy, and background should be thoroughly evaluated.

How to find the right caregiver (the DIY approach):

• Assess Your Needs: Understand your loved one’s specific needs, including medical requirements, mobility limitations, and emotional support. This will help you find a caregiver with the appropriate skills.
• Experience and Background Checks: Whether you’re hiring an independent caregiver or working with an agency, ask about their experience and request references. Conduct thorough background checks to ensure safety.
• Interview Process: Treat the caregiver search like a job interview. Ask about their experience, approach to care, and how they handle challenges. This will give you insight into their compatibility with your loved one.

Or, you could let a specialized home care agency do the heavy lifting for you. Reputable home care agencies can be a valuable resource in connecting you with qualified caregivers who understand the unique needs of seniors.

 

Find Your 24-hour Caregiver Today

Creating an Assessment and Care Plan

Now you have to come up with a good care plan for your loved one, and a set of criteria to assess the quality of care they’re receiving. Creating a personalized care plan involves assessing the senior’s needs, medical conditions, preferences, and daily routines. 

• How to create a care plan:

Enlist the help of healthcare professionals to assess your loved one’s medical and emotional needs. This will provide a solid foundation for the care plan. Include your loved one and the rest of the family in the care planning process. Their input is invaluable for tailoring the plan to their preferences and routines.

Over time, needs may change. A well-constructed care plan should be flexible and capable of accommodating evolving requirements.

 

Frequently Asked Questions

Answers to a few common questions around 24/7 in-home care costs.

How does in-home care compare to nursing homes?

In-home care provides personalized assistance within the familiar surroundings of one’s home, promoting independence and a sense of comfort.

Nursing homes offer 24/7 care in a communal setting, providing medical attention but with reduced independence. The choice depends on the individual’s needs and preferences.

How can I find reliable in-home care services in my area?

Start by researching reputable home care agencies in your locality. Seek recommendations from healthcare professionals, friends, or family members who’ve had experience with such services. 

Ensure the agency is licensed, has positive reviews, and aligns with your loved one’s specific needs.

What distinguishes in-home care from assisted living facilities?

In-home care brings personalized assistance to the individual’s residence, allowing them to age in place. 

Assisted living facilities provide communal living with various levels of care, promoting social interaction. The choice depends on factors like medical needs, desire for independence, and social engagement.

 

TL;DR: Quick Summary on 24-Hour In-Home Care Cost

• Average cost: $18,144/month, but varies by state
• Cheapest states: Mississippi, Alabama, Kentucky (~$16,000/month)
• Most expensive states: Massachusetts, Hawaii, Alaska (~$25,000/month)
• Care type matters: Companion care = cheapest, home health aide = highest cost
• Funding options available: Medicaid, VA benefits, long-term care insurance