How much does care cost?

 

The cost of care depends on:

  • the type of care you’re receiving
  • your location, and
  • the care home, home care or sheltered accommodation provider you’ve chosen.

 

The cost of home care packages

Home care costs can vary hugely, depending on your location.

There are significant regional variations. Costs will also depend on:

  • what sort of care you need
  • how many hours of care you need, and
  • what time of the day and week you need it.

For example, weekends may cost more – and bank holidays can cost double.

Depending on your circumstances, you may be able to combine formal home care support with informal support from relatives and friends.

Having access to respite care (a short stay in a care home), if you need it, is a good option. This is particularly important to consider if your family plays a large part in caring for you.

 

How much does sheltered accommodation cost?

The cost of living in sheltered housing and extra care accommodation is made up of separate parts. These parts include:

  • a service charge for communal services
  • rent for your individual property
  • heating costs
  • costs for housing-related support provided by support workers, and
  • costs for care services (where care is received).

Not surprisingly, fees vary by location, provider, the type of services provided and the amount of care the resident receives. To get accurate costs, you can contact the relevant sheltered housing provider.

You can find contact details for sheltered housing providers in the Elderly Accommodation Counsel directory.

 

Care home fees

The average cost of a residential care home in the UK, in 2019, was £33,852 a year. This rose to over £47,320 a year when nursing care was included*

Our table below shows how care costs can vary hugely across the country. In addition, the costs of staying in a care home can vary considerably between care homes. For example, the more specialised the care (such as dementia care) the higher the care home fees. You’ll also pay higher care home fees for places with more comfortable surroundings and better-quality facilities.

Care home fees are made up of:

  • Hotel costs: accommodation, laundry, meals, heating and lighting.
  • Care costs: residential care, nursing care, dementia care.

Care homes provide care 24 hours a day, 365 days of the year. This gives an average cost per hour of £3.86 for residential care and £5.40 for nursing care.

Find out the cost of care homes in your local area.

 

Care home fees 2019/2020

  Average weekly UK care home fees
  Residential care Nursing care
  Frail older Dementia Frail older Dementia
North East £574 £587 £716 £741
North West £542 £554 £852 £881
Yorkshire and the Humber £591 £605 £810 £837
East Midlands £623 £637 £812 £839
West Midlands £597 £610 £920 £951
East of England £662 £677 £1,024 £1,059
London £744 £760 £902 £933
South East £775 £793 £1,019 £1,054
South West £700 £716 £1,015 £1,050
Wales £607 £621 £801 £829
Scotland £761 £779 £845 £874
Northern Ireland £534 £546 £691 £715
UK £645 £660 £880 £910

Source: LaingBuisson Care of Older People UK Market Report 30th edition 2019

 

You may be eligible for local authority funding for your care costs. To find out if you are, your local authority will need to prepare a support and care plan. This will be based on your care needs.

Once they’ve done this, your local authority will do a financial assessment to determine your ability to pay.

It’s vital you get professional and expert financial advice about funding long-term care – independently or from your local authority. Doing this as soon as possible will help you determine the best way of covering the cost of your care fees.

*(Laing and Buisson Care of Older People Report 30th Edition 2019)

Find an adviser

Use our directory of specialist care fees advisers to find expert advice in your area.