When it comes to choosing the best care option, many people prefer live-in care over moving into a care home. It allows individuals to stay in the comfort of their own homes while receiving full-time support from a dedicated carer. But one of the most common questions we hear at In Home Care is: how much does a live-in carer cost in the UK?
The truth is, that costs can vary, depending on your needs, location, and level of care required. Let’s break it down so you can get a better idea of what to expect.
What Affects the Cost of Live-In Care?
Several factors influence the price of live-in care, including:
- Level of care needed – If support is mostly for daily tasks like cooking and dressing, costs will generally be lower than if specialist medical care is required, such as support for complex conditions.
- Carer’s experience and qualifications – Carers with advanced training, such as dementia or palliative care specialists, may charge higher fees.
- Location – Care costs vary across the UK, with London and the South East typically being more expensive.
- Duration of care – Whether you need short-term respite care or long-term full-time care can affect pricing.
- Care provider – Independent carers, agencies, and professional care providers like In Home Care all have different pricing structures.
How Much Does Live-In Care Cost?
On average, live-in care in the UK costs between £1,250 and £1,500 per week. However, in some cases, prices can range from £1,350 to £2,000 per week, depending on individual care requirements.
For couples who both need care, live-in care is often a more cost-effective choice compared to paying for two separate places in a care home. Plus, it allows couples to stay together in their own home, which is an invaluable benefit.
Is Live-In Care More Affordable Than a Care Home?
One of the biggest concerns families have is whether live-in care costs more than moving into a residential care home.
The answer depends on individual circumstances. In some cases, live-in care costs the same or even less than a care home—especially for couples. But beyond just cost, live-in care offers:
✔ Tailored, one-on-one support that aligns with daily routines
✔ The ability to remain at home, which is particularly beneficial for individuals with dementia
✔ Familiar surroundings that help reduce anxiety and promote well-being
✔ Adaptable care plans that evolve with changing needs
For many, the benefits of staying at home far outweigh the cost difference, making live-in care a practical and emotionally comforting choice.
Are There Funding Options for Live-In Care?
If you’re worried about affordability, there are funding options that may help:
- Local Authority Support – If you have less than £23,250 in savings and assets, you may be eligible for financial assistance from your local council.
- NHS Continuing Healthcare (CHC) Funding – For those with long-term medical needs, the NHS may cover some or all of the care costs.
- Attendance Allowance – If you need extra support due to illness or disability, you may qualify for this tax-free benefit.
- Equity Release or Private Funding – Some families use their property or other financial assets to fund long-term care.
It’s always a good idea to check with your local council, a financial advisor, or our team to explore what options might be available to help reduce the cost of care.
What’s the Next Step?
If you’re considering live-in care for yourself or a loved one, we’re here to help. At In Home Care, we provide personalised live-in care services across Horndean, Cheshire & St Helens, Woodford & Loughton, Basingstoke, Chelmsford & Ipswich, Fareham & Portsmouth, Haslemere, and Chichester.
Every situation is unique, so let’s chat about the best options for your needs and budget. Call us today to discuss your care options—our friendly team is always happy to help.
