How Much Does a Live-In Carer Cost? A 2025 Guide for Families in South Lanarkshire

Have you ever wondered whether live-in care is affordable for your family? For many across South Lanarkshire, the decision to arrange full-time support for a loved one is not just about care needs — it is also about understanding what those costs will mean for the household budget.

Live-in care offers an alternative to moving into a residential home, allowing older adults to remain in the comfort of their own space, surrounded by familiar routines, pets, and treasured possessions. This blog takes a detailed look at live-in care costs in 2025, what is included in the fees, how it compares to care homes, and what support might be available to help you manage the expense.

In South Lanarkshire and across the UK, families can expect to pay between £1,250 and £1,500 per week for a live-in carer, depending on the care provider, the carer’s experience, and the complexity of the support required.

For those who need care on an hourly basis rather than live-in, costs generally fall between £20 and £30 per hour. This is often suitable for individuals who need short daily visits but do not require round-the-clock help.

Here is a useful breakdown of typical 2025 weekly costs:

• Standard live-in care (one person): £900 – £1,600
• Couples’ live-in care: £1,100 – £1,595
• Specialist or complex care: £1,600 – £2,000

While these figures may feel high at first glance, they are comparable to care home fees. Many families are surprised to find that for couples needing care, live-in arrangements can be more cost-effective than two separate care home places.

When comparing costs, live-in care is often similar to — and sometimes cheaper than — residential care, particularly for couples.

• Residential care home: ~£1,300 per week per person
• Nursing home: £1,500+ per week per person
• Live-in care for a couple: Often less than paying for two separate care home rooms

The biggest difference is that live-in care provides undivided attention from a carer dedicated to one household, rather than shared staffing. This can mean more personalised support, continuity of care, and reassurance that your loved one’s needs are always prioritised.

For many families, paying for care privately is only part of the picture. There are several funding options that may help with costs:

• Local Authority Support – If savings and assets are below £23,250, you may qualify for partial or full funding after a means and needs assessment.
• Attendance Allowance – Up to £108.55 per week for those over State Pension age who need regular help.
• NHS Continuing Healthcare (CHC) – Full funding for those assessed as having a primary health need.
• Equity Release – Some families use property wealth to fund care, though professional financial advice is recommended before taking this route.

A reputable provider like Home Instead South Lanarkshire can guide you through the assessment process and help you find out what funding you may be entitled to.

When selecting a live-in care service, it is important to ask questions such as:

• What is included in the weekly fee?
• How are carer breaks and holidays arranged?
• Are there extra charges for weekends or bank holidays?
• How does the provider handle emergencies or carer absence?
• What is the process for keeping the family updated?

Home Instead South Lanarkshire offers a personalised approach. After an initial conversation, a care manager will visit your home to assess needs and create a tailored care plan. The team carefully matches clients with carers based on skills and personality to ensure a positive experience for everyone involved.