Understanding the Cost of Home Care in the UK: A Complete Guide for Families
Choosing home care for a loved one is a major life decision and understanding the Cost of Home Care is key to making confident, informed choices.
In 2025, many families across the UK are opting for home care as a flexible and dignified alternative to residential care. But what exactly does it cost? What support is available? And how can families make care more affordable?
This guide answers your questions and explains all the available home care funding options in the UK.
How Much Does Home Care Cost in the UK?
The cost of home care varies depending on your location, the level of support needed, and whether care is provided hourly or 24/7.
Here’s a general breakdown:
| Type of Care | Average Cost (2025) |
|---|---|
| Hourly Home Care | £22.50 – £35 per hour |
| Live-in Care | £950 – £1,550 per week |
What’s typically included:
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Tailored care plans
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One-to-one personal care and companionship
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Medication reminders and health monitoring
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Meal preparation and household help
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DBS-checked and trained carers
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Flexibility to adjust the level of care as needed
Funding Options for Home Care in the UK
1. Local Authority Funding
If your loved one has assets below £23,250 (England), they may qualify for council-funded care. The process includes:
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A care needs assessment
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A means test to assess financial eligibility
If approved, the local authority may:
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Arrange and manage care services for you
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Offer Direct Payments, giving you control to choose your own provider
2. NHS Continuing Healthcare
For those with complex medical needs, care may be fully funded under NHS Continuing Healthcare.
✅ Not means-tested – based solely on health condition and ongoing care needs
🧑⚕️ Includes nursing care, personal care, and support services
3. Attendance Allowance or PIP
These non-means-tested benefits can help cover care costs:
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Attendance Allowance: For those aged 65+ with a disability or health condition
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Personal Independence Payment (PIP): For people aged 16 to state pension age
They can be used towards private care, equipment, or other support costs.
4. Private or Self-Funded Care
If your loved one is not eligible for government funding, you may opt to self-fund care:
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Offers full control over provider choice and care level
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Transparent hourly or live-in care packages
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Many providers offer customisable options and no long-term contracts
5. Equity Release or Financial Advice
Some families explore long-term care funding through:
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Equity release (using property value to unlock funds)
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Pension drawdown
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Independent financial advisers (IFAs) specialising in later-life planning
💬 Seeking regulated financial advice can help protect family assets while covering care costs.
Why Transparent Pricing Matters
At Care Serene, we’re committed to:
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Transparent pricing with no hidden fees
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Bespoke care packages that reflect both needs and budgets
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Support with navigating funding applications and benefits
We believe quality care should be accessible—and our expert team helps families explore every available option.
The True Value of Home Care
When evaluating care, it’s not just about the price—it’s about preserving independence, dignity, and comfort for your loved one.
With the right financial guidance and a trusted provider, home care can be more affordable than many families expect.
Need Help Understanding Home Care Costs?
Speak to our friendly advisors for a free, no-obligation consultation. We’ll walk you through your options and help you build a care plan that works for your family.
