In-Home Care Cost Calculator
Build a monthly and annual estimate for in-home caregiving based on the hours of help you need.
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In-home care costs depend on local hourly rates and weekly hours. Even part-time help adds up, and round-the-clock care is far more expensive.
Mapping the cost helps families combine paid care, family caregiving, and funding like home equity.
Frequently asked questions
How much per hour?
Rates vary by region and care level, commonly the low-to-mid $30s, higher for skilled care.
Is live-in cheaper than hourly?
For high-hour needs, flat-rate or live-in can cost less per hour.
How do families pay?
Savings, insurance, family contributions, and home equity via a reverse mortgage.
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Open calculator →What this calculates
Estimates the cost of in-home care by hours per week and how equity or savings might cover it.
Assumptions & methodology
- Hourly rates vary widely by region and agency.
- Results are estimates based on the figures you enter and simplified assumptions.
- Taxes, fees, rates and individual circumstances can change real outcomes.
Important: These tools provide educational estimates only. They are not a loan offer, pre-approval, or financial advice, and results never mean you are approved for any product. Eligibility and terms are determined by a lender after a full application. Consider speaking with a HUD-approved counselor or financial professional.
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