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Cost of In-Home Care Per Month

Monthly cost estimates for every level of home care — from a few hours a week to 24/7.

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Quick answer

In-home care costs roughly $1,500 to $3,000 per month for part-time help (10 to 20 hours a week) and $15,000 to $25,000+ for around-the-clock care in 2025. The figure depends on weekly hours, care level, and your region, based on a median rate near $34 per hour.

Monthly in-home care costs scale with hours; here's what part-time, daily, and 24-hour care typically run in 2025.

What does in-home care cost per month by schedule?

Monthly cost is hours times rate. At a national median near $34 per hour in 2025: 10 hours a week runs about $1,500 monthly; 20 hours about $2,800–$3,000; 40 hours about $5,800–$6,000; and 8 hours a day (56 hours a week) roughly $8,000. Continuous 24-hour shift care reaches $15,000–$25,000+ monthly, while live-in care (with overnight sleep time) often costs $9,000–$14,000. Companion care lowers these figures slightly; skilled nursing raises them. Your region and agency also shift the totals.

How to plan and reduce monthly costs

Start by matching hours to actual needs — many families overestimate at first. Consider companion care for lower-need hours and reserve personal or skilled care for when it's truly needed. Live-in care can cut the cost of overnight coverage versus rotating shifts. Then layer funding: Medicaid waivers, VA Aid and Attendance, and long-term care insurance can substantially lower out-of-pocket cost, and blending family caregiving with paid hours helps. Call 1-800-MEDIGAP for a personalized monthly estimate and a review of every program you may qualify for.

More on In-Home Care & Home Health

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Frequently asked questions

How much does in-home care cost per month?+

In 2025, part-time care (10–20 hours a week) runs about $1,500–$3,000 monthly, full daytime care around $5,800–$8,000, and 24-hour care $15,000–$25,000+. Live-in care with overnight sleep time often costs $9,000–$14,000 monthly. Totals depend on hours, care level, and region.

How much is 40 hours a week of home care monthly?+

At a national median near $34 per hour in 2025, 40 hours a week runs about $5,800–$6,000 per month. Companion care lowers this somewhat, while skilled nursing raises it. High-cost metro areas and weekend or holiday hours also increase the total.

Is live-in care cheaper per month than 24-hour care?+

Usually, yes. Live-in care, where the caregiver sleeps overnight and isn't paid for all 24 hours, often runs $9,000–$14,000 monthly — less than the $15,000–$25,000+ for continuous 24-hour shift care. It suits seniors who sleep through the night.

What programs lower monthly in-home care costs?+

Medicaid HCBS waivers, VA Aid and Attendance, and long-term care insurance can substantially reduce out-of-pocket monthly costs for those who qualify. Blending family caregiving with paid hours and using companion care for lower-need times also helps lower the total.

How do I estimate my monthly cost?+

Call 1-800-MEDIGAP (1-800-633-4427) for free help. An advisor can calculate a monthly estimate based on your loved one's needs and local rates, review funding sources that lower the cost, and connect you with vetted agencies.

Talk to a licensed specialist — free.

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Cost of In-Home Care Per Month 2025 | 1-800-MEDIGAP