What home care costs — and what helps pay for it

Free calculators and plain-English guides for U.S. home care. Source-cited, independent, and free — we do not sell placements and we do not charge families.

Start with the two questions everyone asks

What will it cost?
Hourly rate × hours per week = your real monthly number What helps pay for it?
Medicaid HCBS waivers, VA benefits, long-term care insurance

Why hours, not plans

The bill for home care is arithmetic: hourly rate × hours per week × 4.33. Almost every family who feels blindsided was quoted a monthly figure without knowing which hours it assumed. Our calculator makes you enter both numbers, so you can see the assumption instead of inheriting it.

Costs and programs by state

Rules and rates are state-specific. We are starting with Texas and New York, because these guides need real data and a named reviewer — not a 50-state template.

Texas home care costs
Hourly rates and monthly examples Texas Medicaid for care at home
Eligibility and application path New York home care costs
Hourly rates and monthly examples New York Medicaid for care at home
Eligibility and application path

What this site is — and is not

We are an independent information and tools site about the cost of care at home and the programs that help pay for it — each figure tied to its official source and review date.

We are not a government agency, a healthcare provider, or a licensed placement or referral agency. We do not place people into facilities, we do not accept facility placement fees, and we do not charge families. Nothing here is legal, medical or financial advice.

How we work

Every figure carries its official source and the date we last checked it. Where we have not yet verified a number, the page says so plainly instead of guessing. See methodology & sources.

We are an independent informational and tools site. We are not a government agency, not a healthcare provider, and not a licensed referral agency under California CCR Title 22 or Florida Stat. 429.195. We do not place people into facilities and we do not charge families. Nothing here is legal, medical or financial advice — always confirm current rules with the state agency or a licensed professional.