Paying for Home Care: Costs, Funding and Financial Help

Home care allows people to remain independent in their own homes while receiving support. Understanding the costs and funding options helps you plan effectively.

Home care costs £20-30 per hour on average, varying by location (London is higher) and complexity of care. Live-in care costs £800-1,500+ per week.

• Geographic location
• Hours of care needed
• Complexity of care requirements
• Whether care is via agency or private arrangement
• Day vs night care (night care often costs more)

Following a care needs assessment, if you have eligible needs and limited means (under £23,250 in assets), the council may fund some or all of your home care.

If your assets exceed £23,250, you'll pay for your own care. However, unlike care home funding, your home is NOT usually included in the means test for home care.

If eligible for council support, you can request direct payments to arrange and pay for your own home care, giving you more choice and flexibility.

• Attendance Allowance - up to £108.55/week (not means-tested)
• Personal Independence Payment (under State Pension age)
• Pension Credit - may increase your income
• Council Tax reduction - if you have care needs