How much does live in care cost?

As the UK's population continues to age, the demand for elderly care services is on the rise. Families are faced with the challenging decision of choosing the right type of care for their loved ones, considering factors like cost, quality of care, and the individual's preferences. One increasingly popular option is Live-In Care. Live-In Care is where a carer resides with an individual in their own home, providing around the clock care, support, and companionship. Let’s explore the cost of Live-In Care and explore the benefits it offers in comparison to residential and traditional home care solutions.

The Cost of Live-In Care 2025

The cost of Live-In Care in the UK is influenced by several factors including the individual health needs, the geographic region, and the preferred provider. In 2024-2025 the average weekly cost of Live-In Care can range from £1,000 to £1600 plus per week. It is important to note that these figures are not specific as the actual cost may vary based on various factors including:

• Region – Where you or your loved one lives will dictate the rates with London and the Southeast typically having the higher rates compared to other regions.
• Care Needs – Individuals with complex care needs such as nursing requirements may require higher levels of care.
• Care Provider – Different care providers will have their own pricing structures and service specifications. This can influence the cost of Live-In Care.
• Day & Night Time Care - Depending on the individual's needs, the cost can differ for daytime, night time care and festive holidays.

• Respite Care –Typically, requiring 1 week’s care or less will have an impact on the weekly cost.

To get an accurate weekly cost it is recommended that you contact your local provider to discuss your specific requirements. If you would like to find out more, you can speak to our friendly care team by calling us today on 01223 864 066.

Benefits of Live-In Care

Live-In Care stands out as a preferred option for many due to its many advantages over traditional residential and home care solutions. Have a look at our table below:

Help with funding your Live-In Care

Depending on your circumstances you may be eligible for Local Authority (LA) Funding. LA funding is means-tested at £23,250. Individuals with assets or savings exceeding this amount are required to self-fund their care. However, those with specific health conditions may be eligible for NHS funding through the Continuing Health Care Team (CHC). Local councils may assist with funding for those with assets below £23,250, and the document encourages requesting a care assessment well in advance.

Equity Release: Two types are discussed – Lifetime Mortgage and Home Revisions. Both options enable individuals to remain in their homes while accessing funds from their property's value. Expert advice is recommended to make the right decision. Lifetime Mortgages involve taking out a loan against the property, typically repaid upon sale or permanent move to a care home. Home Revisions involve property updates that can increase its value, allowing individuals to release the difference between the purchase price and current market value.

Care Annuity: This funding option offers a guaranteed income to cover care fees. Long-term care annuities or immediate needs annuities provide a regular lifetime income. It's emphasized that this is the only plan available to fund care for a lifetime, with the flexibility to pay directly to the care provider. Consulting a financial advisor is advised for a comprehensive understanding of this service.

How we can help

Navigating through the process of selecting the right provider can be daunting. We can take care of and simplify this process for you. Our friendly team is readily available to address any concerns you may have, and they will take the necessary time to ensure you have a comprehensive understanding of your choices.

Contact us today on 01223 864 066 or fill in our enquiry form today.