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Care at home or in a community?

Compare the monthly cost of in-home care with assisted living, and find the hours-per-week point where the math flips.

In-home care

01 / HOME
$
hrs
In-home monthly cost$0

Assisted living

02 / FACILITY
$
Choose a level

Light: help with chores, errands, rides. Moderate: daily help with meals, medications, bathing. Heavy: mobility help, supervision, possible overnight needs. Nationally, in-home aides run about $25–$35/hour and assisted living about $4,500–$6,500/month (2026 estimates — both vary widely by area).

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Put a number on a hard decision.

Enter the aide's hourly rate, the hours needed each week, and the assisted living monthly cost to compare.

Last reviewed: October 2026.

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Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or VA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.