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What Does In Home Care Cost?

Updated: August 29, 2023
By: Jeff Smith
Jeff Smith
Sr. Content Manager
As Retirement Living’s senior content manager, Jeff oversees the product and publishing of all retirement, investing, and consumer wellness content on the site. His extensive expertise in brand messaging and creating data-driven stories helps position Retirement Living as a top authority for senior content and community resources.
Sr. Content Manager
Edited by: Lauren Hamer
Lauren Hamer
Lauren is the editor for Retirement Living focused on discussing current senior-related issues, including retirement planning, consumer protection, and health and wellness. With six years of finance and career journalism experience, Lauren has edited personal finance content for Credible, Angi, Slickdeals, Jobs for the Future, and more.
What does home health care cost? | Retirement Living
Home Health Care Costs

Among the elderly needing daily living assistance, 65 percent rely exclusively on families and friends for senior care, according to a Health Services Research (HSR) report. But not all seniors have families who can help them as often as they might need due to certain obligations like jobs or not living nearby. Home health care can step in to bridge that gap. Home health care includes many types of care such as occupational, physical or speech therapy or skilled nursing. Other types of in-home care are based on providing help with daily living activities like eating, bathing, dressing, cooking, cleaning or monitoring your medication regimen. The costs of these services vary by region.

In Home Care Costs Nationally

The 2017 Genworth Cost of Care Survey reports that the monthly cost for a home health aide is $4,099. The median cost nationwide for 44 hours of care per week turns out to be about $125 a day. Of course, the actual costs depend on your location, the services you use and the amount of service you request. There are usually two types of home health care – one is medical-based, while the other is more daily living-oriented, but most companies providing home health service offer both or a combination of the two. Medical care consists of changing bandages, administering certain medication and providing various therapies, while home-related care can be help with grocery shopping, housekeeping, bathing, dressing, grooming, eating, using the toilet and getting around. As your needs change, you can add or subtract services, so it might be wise to contract with a company that provides the most services. Both home health aides and homemaker aides cost about $21 an hour.

In Home Care Costs Per Region

The National Council for Aging Care reports the most expensive places for home health care are in North Dakota, Alaska, Hawaii, Massachusetts, Minnesota and Rhode Island, while the least expensive states are Louisiana, West Virginia, Alabama, Arkansas, Mississippi, Georgia, North Carolina and Tennessee.

How To Choose an In Home Care Provider

The government provides a tool with detailed information about every Medicare-certified home health agency in the United States. You can use it to narrow down your choices based on location and needs. You’ll also have peace of mind with the knowledge you are dealing with people who have been vetted and investigated before they come into your home. You will need to choose hourly or daily rates and think about whether you need to consider nightly rates. All rates are different, so be sure to get everything in writing. Make sure to check references, choose experienced and long-lived companies, get recommendations from others who have used the business’s services and ensure the company is insured and bonded.

Bottom Line Cost of In Home Care

Due to the aging Baby Boomers population, the number of older adults in America will continue to grow – from 35 million in 2000 to more than 80 million by 2050. That means more services will crop up across the nation to keep pace with the needs of the elderly. Paying for home health care usually comes out-of-pocket for seniors, but may be covered by long-term care insurance and the Veterans Administration. Medicare Part A or Part B may cover some skilled nursing care services, but you would need to check with your senior’s doctor about the specifics.

The Most Affordable Cities For In Home Care

One of the most influential factors in your search for senior housing is cost. Often, the reason elderly adults decided to age in place is because of cost. Home health care is often used to supplement the medical care that individuals would receive if they lived in a facility. We have ranked the cities below from least expensive to most expensive to give you a good picture of what the cost of care is.

Most Affordable Cities For In Home Care
Rank City State Cost
1 Miami FL $3,289
2 Little Rock AR $3,432
3 Fayetteville AR $3,432
4 Greensboro NC $3,432
5 Tampa FL $3,623
6 Winston-Salem NC $3,623
7 Fort Smith AR $3,813
8 San Antonio TX $3,813
9 Orlando FL $3,813
10 Fort Lauderdale FL $3,813
11 Jacksonville FL $3,813
12 Atlanta GA $3,813
13 Wilmington NC $3,905
14 Raleigh NC $3,909
15 Charlotte NC $4,004
16 >Oklahoma City OK $4,004
17 Dallas TX $4,004
18 Houston TX $4,004
19 Phoenix AZ $4,099
20 St. Louis MO $4,147
21 Tulsa OK $4,195
22 Kansas City MO $4,195
23 Washington DC $4,195
24 Fayetteville NC $4,195
25 Durham NC $4,195
26 Mesa AZ $4,290
27 Chicago IL $4,300
28 Cedar Rapids IA $4,385
29 Tucson AZ $4,481
30 New York NY $4,499
31 Redding CA $4,500
32 Bakersfield CA $4,500
33 Baltimore MD $4,576
34 Fresno CA $4,600
35 Des Moines IA $4,671
36 Riverside CA $4,675
37 Sacramento CA $4,957
38 Stockton CA $4,957
39 Los Angeles CA $4,957
40 San Diego CA $4,957
41 Fremont CA $5,600
42 San Francisco CA $5,625
43 Oakland CA $5,625
44 Seattle WA $5,815
45 San Jose CA $6,006