How Much Does 24/7 In-Home Care Really Cost?

With the rise of chronic illnesses, aging parents, and post-surgery recovery at home, families across the U.S. are asking one essential question:
“How much does 24/7 in-home care really cost?”

Whether you’re caring for a loved one in New York, New Jersey, or anywhere else, the decision to hire a professional caregiver is both emotional and financial. In this guide, we’ll break down everything — from private pay home care rates to what influences the total cost.

If you’re actively searching for affordable home care or comparing agencies like Visiting Angels Home Health Care or Right at Home Care, this blog is for you.

What Is 24/7 In-Home Care?

24/7 in-home care means a professional caregiver is available day and night to support the senior or patient at home. This includes:

Meal preparation & feeding
Mobility assistance
Medication reminders
Light housekeeping
Toileting, bathing & grooming
Companionship & monitoring

Depending on the care plan, some families choose live-in caregivers, while others opt for two rotating 12-hour shifts.

Average Monthly Cost of 24/7 Home Care in 2025

The average cost depends on your location, care requirements, and whether it's agency or private care. Here's a general breakdown:

Type of Care	Average Hourly Rate	Monthly Estimate (24/7)
Basic Companion Care	$22–$27/hr	$15,000 – $19,000
Personal Care (ADLs)	$25–$30/hr	$18,000 – $22,000
Dementia/Alzheimer’s Care	$28–$35/hr	$20,000 – $25,000

Note: Prices may be lower in some areas and higher in metro regions like NYC or San Francisco.

What Influences In-Home Care Costs?

Several factors impact the total monthly rate for 24/7 senior care:

1. Level of Assistance Needed

Is the care mostly companionship, or does it include toileting, mobility help, or dementia support?

2. Day vs. Night Complexity

Some agencies charge extra for overnight hours or weekends.

3. Live-In vs. Hourly Rotations

Live-in caregivers may accept lower rates, but they legally require 8 hours off daily — meaning coverage gaps unless supplemented.

4. Geographic Location

Rates in Texas, Minnesota, or New Jersey may differ significantly. For example, home health care in San Antonio is generally more affordable than Manhattan, NY.

5. Agency vs. Private Hire

Agencies like Anchor Home Care or First Choice In-Home Care may charge more, but they also provide:

Background-checked staff
Liability insurance
Backup care in emergencies

Private caregivers may cost less but often require more direct management by the family.

Is 24/7 In-Home Care Covered by Medicare or Medicaid?

This is one of the most common questions families ask — and here’s the honest answer:

Medicare: Does not cover non-medical 24-hour care (like companionship, cooking, or cleaning). It only pays for part-time skilled medical services under strict conditions.
Medicaid: May offer some in-home coverage depending on state programs and income levels. But full 24/7 coverage is rare.

That’s why many families rely on private pay home care.

Why Families Choose 24/7 Home Care Anyway

Despite the cost, families across the U.S. still choose round-the-clock home care for powerful reasons:

Seniors stay in their familiar home environment
Fewer hospital visits and medical complications
One-on-one personalized attention
More affordable than some nursing home facilities

Agencies like Comfort Keepers Home Care Services, Elite Home Care, or All Heart Home Care offer specialized 24/7 care packages to meet this growing demand.

Tips to Afford 24/7 In-Home Care

If you're worried about pricing, here are some options:

Veterans Benefits (VA Aid & Attendance)
Long-term care insurance
Reverse mortgage or home equity lines
Family caregiver support programs
Sliding scale or flexible packages from agencies like Dahlias Homecare

Local Focus: Dahlias Homecare’s Affordable Options

Serving families in the Bronx, Queens, Manhattan, and now Bergen & Hudson County NJ, Dahlias Homecare Agency provides quality 24/7 care with:

Private pay flexibility
Support for dementia, stroke, and chronic conditions
Fully vetted, compassionate caregivers
Customized scheduling that respects your budget

Looking for trusted home care services in New York or New Jersey? Families who considered Visiting Angels, Anchor Home Health, and Amazing Care Home Health now rely on Dahlias for transparent, personalized support.

Final Thoughts: Know the Cost, Then Choose the Right Care

Knowing how much 24/7 in-home care costs gives you clarity. Whether you're comparing prices, exploring affordable home care alternatives, or just starting out — the key is finding care that balances cost and quality.

Need help deciding what level of care is right for your loved one?

???? Contact Dahlias Homecare today to schedule a free care consultation.
Let’s work together to provide your family with the peace of mind you deserve.

???? CALL US +1 844-634-6500

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