How Much Does Home Care Cost in South Florida?
Every family’s situation is different. Here’s an honest look at how we stack up against the most common care options in Southeast Florida.
Private duty home care in South Florida runs $30 to $40 per hour, with a four-hour daily minimum, across Palm Beach, Broward, Martin, St. Lucie and Indian River counties.
Where a plan lands in that range depends on four things: the level of care needed, how many hours a week you schedule, whether transfers require two people, and whether care is for one person or a couple. Care for a couple is quoted separately at the assessment.
Most families schedule 12 to 20 hours a week, which works out to roughly $1,600 to $3,500 a month. Your exact figure is set at the free in-home assessment, in writing, before care begins.
How does Health at Home compare to every alternative?
| Recommended Health at Home Full-service agency. Private duty + Medicare skilled care. | Registry Matching service. You're the employer. | Home Health Only Medicare nursing. No personal care. | Home Care Only Personal care. No skilled nursing. | Rehab Facility Inpatient. Leave home. | Assisted Living Residential. Relocate. | Family Caregiver No cost. Real burden. | |
|---|---|---|---|---|---|---|---|
| Cost | |||||||
| Skilled care cost Nursing, therapy | $0 Medicare | N/A | $0 Medicare | N/A | $300–600/day | Varies | N/A |
| Personal care cost Bathing, companion, daily | $30 to $40/hrNights & weekends included | $30–35/hrall-in† | Not offered | $30–40/hr | Included* | $4–7K/mo | 47 hrs/wk burden |
| Hidden costs Liability, taxes, relocation | ✓ None | Taxes, insurance, liability | None | None | $300–600/day after Medicare | $4–9K/mo + entry fees | Career loss, burnout |
| Night & weekend rates Evenings, overnights, Saturdays, Sundays | ✓ Same rate | You negotiate it | N/A | Often higher | In daily rate | Included | Your nights and weekends |
| Services | |||||||
| Nursing & therapy RN, PT, OT, speech | ✓ | ✕ | ✓ | ✕ | ✓ | ~ | ✕ |
| Personal care Bathing, dressing, companion | ✓ | ✓ | ✕ | ✓ | ~ | ✓ | ~ |
| All Levels of Care under one roof No switching agencies | ✓ | ✕ | ✕ | ✕ | ✕ | ~ | ✕ |
| Medicare covers 100% When eligible | ✓ | ✕ | ✓ | ✕ | ~ | ✕ | ✕ |
| Setting | |||||||
| Care in your own home No relocation | ✓ | ✓ | ✓ | ✓ | ✕ | ✕ | ✓ |
| Flexible hours Your schedule, not theirs | ✓ | ✓ | ✕ | ✓ | ✕ | ✕ | ~ |
| How fast care can start From first call | Within 24 hours | Days to weeks | Physician order required | Varies by agency | On discharge | Weeks, plus move-in | Immediate |
| Safety & quality | |||||||
| W-2 employees Bonded, insured, screened | ✓ | ✕ | ✓ | ✓ | ✓ | ✓ | ✕ |
| Clinical supervision RN oversight of caregivers | ✓ | ✕ | ✓ | ✓ | ✓ | ✓ | ✕ |
| Overall score |
Best Overall
|
3/10
|
6/10
|
5/10
|
5/10
|
5/10
|
3/10
|
Health at Home care plans have a four-hour daily minimum.
† A registry rate is a caregiver wage, not what a family pays. At those rates the family becomes the employer and also carries payroll taxes, workers compensation, liability and the cost of covering a call-out. All-in, a typical registry wage costs a family $30 to $35 an hour, depending on whether workers compensation is purchased and what background screening, payroll administration and paid time off add.
Cost estimates reflect typical Southeast Florida market rates as of 2026. Medicare coverage subject to physician order and homebound eligibility. * Rehab facility personal care included in daily rate after Medicare days expire.
The short version
Once payroll taxes, workers compensation and liability are added, a registry caregiver costs a family $30 to $35 an hour. We start at $30 and we carry all of it.
Same money. None of the paperwork, none of the liability, and it is our problem, not yours, when a caregiver calls out at 6am.
Care can start within 24 hours. The in-home assessment is free and there is no obligation.
Boynton Beach (561) 806-7027 · Port St. Lucie (772) 288-7386 · 200+ five-star Google reviews
How families pay for home care
Private pay. Most Florida families fund home care privately, often alongside one of the options below. Health at Home is a private pay agency. We invoice you directly and there is no third party between us and your care plan.
Long-term care insurance. Many policies cover in-home care. We do not bill insurers directly, so families pay us and submit for reimbursement, and we provide whatever documentation the policy asks for. Policies vary widely in elimination period, daily benefit and proof of need, so read yours before assuming a benefit level. Older policies without inflation protection may cover only part of current South Florida rates.
VA Aid and Attendance. This is a monthly cash benefit paid to eligible wartime veterans and surviving spouses, not a contract with a provider, so families can use it toward care with any agency. The Florida Department of Veterans’ Affairs has service officers in most counties who help with applications at no charge.
Florida Medicaid long-term care. The Statewide Medicaid Managed Care Long-Term Care program may cover personal care for people who meet both the clinical and financial tests, through plans that contract with specific providers. Health at Home is private pay and does not bill Medicaid. If Medicaid is your only route to paying for care, call Florida Medicaid Choice Counseling at 1-877-711-3662 rather than spend time with us. We would rather point you somewhere useful.
Medicare may cover intermittent skilled home health separately, which can reduce what you pay out of pocket. See what qualifies.
Common questions
How much does home care cost per hour in South Florida?
Private duty home care runs $30 to $40 per hour across Palm Beach, Broward, Martin, St. Lucie and Indian River counties, with a four-hour daily minimum. Nights and weekends are billed at the same rate. Major holidays are the only exception.
Where you land in that range depends on the level of care, the hours you schedule, whether transfers need two people, and whether care is for one person or a couple. Care for a couple is quoted separately. We give you an exact figure in writing at the free in-home assessment.
Whatever the rate, it is all-in. It covers the caregiver wages and payroll taxes, workers compensation and liability insurance, Level 2 background screening, RN oversight of the care plan, scheduling, and coverage when a caregiver is unavailable. There is no separate assessment fee, no care plan fee and no setup charge.
How much does home care cost per month?
It depends on hours. Two four-hour visits a week runs roughly $1,100 to $1,400 a month. Three mornings a week, about 12 hours, runs roughly $1,600 to $2,100. Weekday mornings, about 20 hours, runs roughly $2,600 to $3,500. Full weekday coverage at 40 hours runs roughly $5,200 to $7,000.
Those figures spread 52 weeks across 12 months, so a month with five weekends lands higher than the average and a short month lands lower. Round-the-clock coverage is a different conversation and is set out on our 24-hour care page.
Most South Florida families land somewhere between $2,000 and $7,500 a month, which is the same band the statewide cost guides report. Your exact plan is built at the free in-home assessment, and you get the figure in writing before care begins.
Is there a minimum number of hours?
Yes. Our minimum is four hours per day. Care is scheduled in shifts rather than by the hour, and four hours is the shortest shift we staff.
There is a practical reason for it. A morning routine that includes a transfer, a shower, dressing, breakfast and a medication reminder cannot be compressed into an hour without rushing the parts that carry the most risk, which is where falls happen. Four hours also gives a caregiver time to notice the things that are not on the task list: that the skin looks different, that the appetite has dropped, that the same story came up twice. Those observations are most of the value.
A four-hour minimum is standard across licensed agencies in Florida. If what you need is a short daily medication check rather than a shift, tell us at the free in-home assessment and we will say plainly whether we are the right fit.
What is the difference in cost between an agency and hiring privately?
The advertised hourly figure is lower when a family hires a caregiver directly or through a registry, but that figure is a wage rather than a total cost, because the family becomes the employer. Once payroll taxes, workers compensation, liability and the cost of covering a call-out are added, a registry caregiver costs a family $30 to $35 an hour, which is where our own range starts.
A registry works the same way: the registry refers a caregiver, the family employs them. If a privately hired caregiver is injured in the home, the homeowner policy is often where the claim lands. With an agency, the caregiver is our employee, we carry workers compensation and liability coverage, we run Level 2 background screening, and filling an open shift is our job rather than yours. The comparison table above sets both out side by side.
Do you charge more for nights, weekends or holidays?
Nights and weekends are billed at the standard rate. The only exception is major holidays, which carry a higher rate because of what it takes to staff them.
That means an overnight shift, a Saturday morning or a full weekend of coverage costs the same per hour as a Tuesday afternoon. There is no surcharge for evenings, no premium for weekend scheduling, and no different rate for overnight awake care.
This is worth asking any agency you speak to, because the way it gets disclosed varies. Some quote a single attractive hourly figure and add differentials for nights and weekends to the first invoice. Ask for the complete rate schedule in writing before you commit, from us or from anyone else you are considering, and compare those rather than the headline number. You receive ours at the free in-home assessment, including which days count as holidays.
What is included in the hourly rate?
The hourly rate covers the caregiver wages and payroll taxes, workers compensation and liability insurance, Level 2 background screening, RN oversight of the care plan, scheduling, and coverage when a caregiver is unavailable. Nights and weekends are billed at the same rate as weekday hours. The in-home assessment is free and carries no obligation.
What it does not include is anything requiring a licensed nurse, which is billed as private duty nursing at a separate rate, and the client own household costs such as groceries or fuel for errands. If something falls outside the plan, we say so before it happens rather than after.
FOR ADULT CHILDREN & FAMILY CAREGIVERS
Not sure what service fits best? Questions about Medicare coverage?
Our care coordinators will walk you through every option — at no cost, with zero pressure. You just need to make one call.
If your family needs someone awake in the home day and night, ask about our 24-hour home care.
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