How Much Does a Live In Caregiver Cost?
The cost of live-in care comes from the plan: the days a caregiver lives in, the kind of help, where you live and how days off are covered. Tell us what your family needs, and we’ll explain what it would cost.
Connecticut medians, Long Term Care Navigator 2026
In Long Term Care Navigator's 2026 Cost of Care tables, home care in Connecticut runs a median of $37 to $42 per hour, the honest starting point for what a live-in caregiver costs, and Endurance Home Care quotes live-in arrangements for Fairfield County families through its Client Support Line at (203) 936-6847.
$37 to $42
per hour, home care in Connecticut. Long Term Care Navigator 2026
The Connecticut numbers, and how we work out what live-in care costs
Two medians set the frame before a live-in schedule is priced at all. Long Term Care Navigator’s 2026 tables put home care in this state at $37 to $42 an hour. Those tables price a 40 hour week, and at that schedule the month lands at about $6,864. Both rates are market medians measured in 2026. Neither is an Endurance rate, and neither is a live-in day rate, because no such published figure exists to quote you.
Live-in care is arranged around a whole week at home, so its cost comes from how that week is set up. That’s why we don’t publish a rate card. Two families asking about live-in care rarely need the same days, the same help or the same arrangement.
So we start with a conversation about what the days and nights are like at home. Once we know the plan, we’ll explain what it would cost, and nothing starts until you say so.
If you’re still getting a feel for live-in care itself, our full live-in care guide covers what it involves from day to day.
Four things shape the cost: the days, the kind of help, where you live and how the arrangement is set up.
The days come first: how many days a week the caregiver lives in, and who covers the rest. Then the kind of help, from company and meals to hands-on help with bathing and dressing. Where you live matters too, because rates vary from one area to another. And the setup: a live-in caregiver has agreed working time and a proper night’s rest, and a second caregiver covers their days off.
If a reference point helps, the national median for daily-living care at home was $35 an hour in 2025, three percent above the year before. That’s a national figure for hourly care, not our price, and live-in care is arranged differently. For more on how families plan for it, see what home care costs.
If you’re still deciding how the nights should work, start with the difference between live-in and 24-hour care. A live-in caregiver sleeps at night, while with 24-hour care caregivers work awake shifts, so the two are set up differently.
National figure: 2025 daily-living median, CareScout (Genworth) Cost of Care Survey. Connecticut figures: Long Term Care Navigator, 2026 Connecticut figures.
What changes from one family to the next
Each of these is something you decide with us, and each one changes the plan.
Some families want a caregiver living in all week. Others want part of the week, with family or hourly visits covering the rest.
Companion care covers company, meals, the house, errands and reminders. Personal care adds hands-on help with bathing, dressing and the bathroom.
The caregiver has agreed working time and a night's rest, a second caregiver covers days off, and an awake caregiver can be added if the nights get busy.
Companion care and personal care can both be arranged as live-in care. We provide personal care in Connecticut and New Jersey. In New York we provide companion care, by the hour, overnight, live-in or around the clock.
If it’s mainly the nights that are hard, an awake caregiver for agreed night hours may be what you need. See overnight care for how that works.
Some families are also weighing an agency against hiring a private caregiver for an elderly parent. That guide explains what an agency arranges for you, from screening to cover for days off.
Home, assisted living, or a nursing home
Connecticut prices the three in different units, which is why they are hard to compare in your head. A facility bills by the month whatever happens inside it. Home care bills by the hour, so how the two compare comes down to how much of the day needs covering.
One Endurance family arrived at that arithmetic with assisted living already chosen, ran the hours they needed, and reversed course: “the most cost effective choice was to keep her at home.” Their hours produced that answer, so price your own schedule with us.
per month, Long Term Care Navigator 2026 Connecticut
per month, Long Term Care Navigator 2026 Connecticut median
per month, Long Term Care Navigator 2026 Connecticut median
Paying for live-in care
If there’s a long-term care insurance policy
Long Term Care Insurance is one of Endurance’s named services. Families with a long-term care insurance policy can use it, and we help with the policy paperwork. Whether a specific policy pays toward a live-in arrangement depends on that policy’s own terms, which is why fifteen minutes with the document itself in front of somebody is worth more than any general answer. Bring the policy, not the summary.
Read it with the founders
Policies get read at the consultation stage against the schedule being priced, so coverage and cost are compared side by side. One family described that meeting this way: “When I met with Tom and Chris, we discussed our LTC policy and my stress level was very much reduced.” Bring the policy to the call and it gets opened.
Private pay, and what Medicare covers
Endurance is private pay and doesn’t bill insurance directly. Medicare doesn’t pay for ongoing daily help at home, so families pay privately, use a long-term care policy, or both. There’s more on how families pay for care if you’d like to read ahead.
Finding out what it would cost
Start with a conversation. Tell us which days need help, what kind of help, what the nights are like and who’s covering things now. Once we know the plan, we’ll explain what it would cost. You can read more about live-in home care before we talk.
Connecticut License HCA.0002450 · New Jersey License HP0435100 · Connecticut DPH License 9915786 (Endurance Home Health).
Questions families ask about live-in costs
How much does a live-in caregiver cost?
In Long Term Care Navigator's 2026 Cost of Care survey, home care in Connecticut runs a median of $37 to $42 per hour for home care, roughly $6,864 per month at the survey's 40 hour per week schedule. Live-in pricing is set case by case: it depends on how many days a week the caregiver lives in, whether the help is companion care or hands-on personal care, where you live, and how the caregiver's days off are covered. Tell us what the days and nights are like, and once we know the plan, we'll explain what it would cost. For a quote, call Endurance Home Care at (203) 936-6847.
How does the cost of live-in care compare with assisted living?
They're worked out differently, so it depends on hours. Long Term Care Navigator's 2026 Connecticut medians: assisted living $9,118 per month, a semi private nursing home room $15,208 per month, and home care at 40 hours per week about $6,864 per month. Assisted living usually charges one monthly price for the apartment, the meals and the staff on site. Live-in care is worked out from your own plan: the days a caregiver lives in, the kind of help needed, where you live and how days off are covered. One Endurance family had planned on assisted living but found 'the most cost effective choice was to keep her at home.' If you're weighing the two, tell us what the days and nights look like, and we'll explain what live-in care would cost so you can compare them side by side.
Does long term care insurance pay for a live-in caregiver?
It depends on the policy. Long Term Care Insurance is one of Endurance Home Care's named services, and families review policies directly with the founders. Endurance is private pay and doesn't bill insurance directly, but families with a long-term care insurance policy can use it, and we help with the policy paperwork. What a policy pays toward is set by its own terms, so bring it along when we talk. One family wrote: 'When I met with Tom and Chris, we discussed our LTC policy and my stress level was very much reduced.' Call (203) 936-6847 with your policy in hand.
Tell us about the week you’re planning for
We’ll talk through the days, the help and the nights, and once we know the plan, we’ll explain what live-in care would cost. The first conversation is free, and nothing starts until you say so.