Cost of Home Care in the UK (2025) and How to Pay for It
Home Care expenses in the United Kingdom during 2025 together with funding approaches will be examined in this research.
Individuals who plan to receive home support need to understand both the expenses involved in home care and the available funding alternatives. This guide shows the projected costs for 2025 alongside information about payment methods for care expenses.
Average Cost of Home Care in 2025
The costs of home care in 2025 differ depending on what services patients need and which location they are in and which service provider they select.
- Hourly home care: £25 to £40 per hour
Live-in care: £1,200 to £1,800 per week
Specialist care (e.g. dementia support): Higher rates, typically £35 to £50 per hour. These prices are general estimates because actual expenses will differ according to
individual requirements and regional pricing standards.
Factors Affecting Cost
The cost of basic support remains lower than the expenses associated with specialist medical and dementia care. The cost of care rises in urban regions together with areas that have higher living expenses. Short visits combined with weekend or evening care services might lead to additional costs.
Agency-arranged care services tend to be more expensive than care services arranged directly by individuals.
How to Pay for Home Care
1. Self-Funding
People who possess assets exceeding £23,250 must fund their care expenses on their own. Individuals need to combine their earnings with their savings and specific investment assets. Property value remains exempt from calculations when people receive home-based care services.
2. Local Authority Funding
People who have less than £23,250 in capital assets qualify to receive support from local authorities. A two-step assessment process including care needs evaluation and financial assessment leads to eligibility determination. The local authority will either contribute funding for care expenses or directly manage care services based on assessment results.
3. Direct Payments
The local authority offers payments to selected individuals who can organise their own care instead of using council-appointed service providers. The payment system enables users to select their preferred care service providers.
4. NHS Continuing Healthcare (CHC)
The NHS Continuing Healthcare (CHC) funding program pays for complete care costs for people with long-term health requirements that need ongoing treatment. The assessment process determines who qualifies for CHC funding.
Additional Financial Support
Care expenses can be covered or partially offset through various government benefits including:
● Attendance Allowance
● Personal Independence Payment (PIP)
● Carer’s Allowance
● Disability-related allowances and grants
● Council Tax reductions for certain conditions or disabilities
Each benefit requires a separate application because eligibility depends on
individual circumstances.
Other Funding Options
Homeowners who need care funding options can release home equity to support their expenses. Local authorities operate Deferred Payment Agreements which enable them to pay for care expenses upfront by recovering the costs through home property value after sale. Individuals who rent out properties or sell real estate properties can use this income to fund their ongoing care expenses.
Services from Home Instead Sutton Coldfield
Home Instead Sutton Coldfield provides customised home care solutions. Support includes:
● Hourly visits
● Live-in care
● Personal care and companionship
● Specialist support (e.g. dementia care)
● Flexible care plans
The organisation delivers services to people who fund their care independently as well as those
receiving assistance from local authorities.
Contact Us
We provide information about costs and available options to those who need to discuss their care requirements.
Phone: 0121 323 4200
Home Instead provides services in Sutton Coldfield and all nearby areas