Honest 2026 pricing for in-home care across Oakland, Macomb, and Wayne counties — plus every way Michigan families actually pay for it.
In Detroit and Metro Detroit, Michigan, home care typically costs $32 to $42 per hour for non-medical personal care, and $80 to $150 per visit for skilled nursing through a Medicare-certified agency. The average client receives 20 to 40 hours per week, bringing the monthly cost to approximately $2,800 to $6,500. Around-the-clock 24/7 care runs $22,000–$28,000/month; live-in care runs $12,000–$15,000/month. EverCare's flat hourly rate includes payroll taxes, insurance, and 24/7 supervision — no hidden fees.
Last updated: May 2026
Home care is non-medical, in-home assistance with daily living — bathing, dressing, meals, medication reminders, mobility, companionship, and dementia supervision — provided by a trained caregiver in a client's private residence. It works by matching one consistent caregiver to a recurring weekly schedule (3-hour minimum visits) so the client can age in place safely. For Michigan families, this means an alternative to assisted living or memory care that preserves the home environment at $32–$42/hour, billed only for hours used, with no long-term contract.
| Care type | Hourly rate | 20 hrs/week | 40 hrs/week |
|---|---|---|---|
| Companion care | $30–$36 | $2,600–$3,100/mo | $5,200–$6,200/mo |
| Personal care (bathing, transfers) | $32–$38 | $2,800–$3,300/mo | $5,500–$6,600/mo |
| Dementia / memory care | $34–$42 | $2,950–$3,650/mo | $5,900–$7,300/mo |
| Overnight (10-hr shift) | $30–$36 | — | — |
| Live-in (24-hr presence) | $400–$500/day | — | $12,000–$15,000/mo |
| 24/7 hourly (3 shifts) | $32–$40 | — | $22,000–$28,000/mo |
Rates reflect 2026 averages across Oakland, Macomb, and Wayne counties, Michigan. EverCare quotes one flat hourly rate with no hidden fees, surcharges, or long-term contracts.
Companion care (conversation, meals, light housekeeping) sits at the lower end of the rate range. Personal care (bathing, transferring, incontinence) and dementia-trained memory care run mid-range. Skilled nursing — wound care, injections, IV — is delivered by a separate Medicare-certified agency in Michigan and bills $80–$150/visit, not by the hour.
Most Michigan home care agencies, including EverCare, require a 3-hour minimum per visit. Families typically start at 12–20 hours/week and scale to 40, 80, or 168 hours (24/7) as needs progress. Longer shifts and consistent weekly schedules often unlock a slightly lower per-hour rate.
Dementia and Alzheimer's care, post-surgery recovery, Parkinson's, hospice support, and pediatric or young-adult disability care typically add $2–$5/hour because they require certified, additionally-trained caregivers. EverCare's memory care specialty is included in our standard rate — no surcharge.
Rates in Oakland County (Bloomfield Hills, Birmingham, Troy, Rochester Hills) and the Grosse Pointes typically run $36–$42/hour. Macomb and western Wayne County average $32–$38/hour. Rural mid-Michigan and the Upper Peninsula run $28–$34/hour due to lower caregiver wages and shorter drive times.
Most Michigan families start here — paying out of monthly income (Social Security, pension, investment draws), savings, or a home equity line of credit. Private pay gives full flexibility: any hours, any caregiver, no eligibility paperwork. EverCare bills bi-weekly with itemized invoices that families can submit to LTC insurance or use for tax-deductible medical expenses (consult your CPA).
If your loved one purchased an LTC policy through John Hancock, Genworth, MassMutual, Mutual of Omaha, or similar, it almost certainly covers in-home personal care. Daily benefits typically range from $150 to $300, with 90-day elimination periods. EverCare handles the activities-of-daily-living documentation, plan-of-care, and monthly invoices the carrier requires — most families never touch a claim form.
Michigan offers two main waivers that pay for in-home care for income- and asset-qualified seniors:
Note: EverCare is a private-pay agency. We can refer you to vetted waiver-contracted providers if your loved one qualifies, and we frequently supplement waiver hours with private-pay hours when the approved hours aren't enough.
Wartime veterans and surviving spouses who require help with daily living can receive a tax-free monthly pension of $1,400 to $2,700 through VA Aid & Attendance — money that can be used to pay any home care agency, including EverCare. Approval typically takes 4–8 months and is retroactive to the application date. We work with two accredited Michigan VA benefits attorneys who file at no charge.
For most Michigan families, the question isn't "is home care expensive?" — it's "compared to what?" Here's the real 2026 math.
20–40 hrs/week of one-on-one care in their own home.
Shared building, ~20 minutes of staff time per resident per day.
Locked dementia unit, 1 caregiver per 6–8 residents.
Average family caregiver loses $304K in lifetime wages and benefits (AARP 2023).
Bottom line: home care wins on quality of life and one-on-one attention. Facility care wins on per-hour cost above ~50 hours/week. The right answer depends on your loved one's stage, your family's budget, and what "home" means to them.
No. Medicare does not cover non-medical in-home care (companion care, personal care, hourly caregivers, dementia care) in Michigan or anywhere else in the U.S. Medicare only pays for short-term, skilled, doctor-ordered home health (a nurse or therapist) following a qualifying hospital stay — typically a few visits per week for a few weeks. The day-to-day caregiving most families need — bathing, meals, supervision, dementia support, overnight presence — is paid privately, through long-term care insurance, the MI Choice Medicaid Waiver, or VA Aid & Attendance.
EverCare requires a 3-hour minimum per visit, with no daily or weekly minimum after that. Most Michigan home care agencies set a 3- to 4-hour minimum because it takes roughly that long for a caregiver to drive in, complete personal care, prepare a meal, and provide meaningful companionship. Families can start with three mornings a week and scale up to 24/7 as needs change — month-to-month, no contract.
A useful rule: take your loved one's monthly income (Social Security + pension + investment draws) and add any long-term care insurance benefit. If that total covers 20+ hours of care per week at $34–$40/hour (roughly $3,000–$3,500/month), private-pay home care is sustainable. If the gap is larger, the MI Choice Medicaid Waiver, VA Aid & Attendance ($1,400–$2,700/month for qualifying veterans and surviving spouses), or a reverse mortgage line of credit often closes it. EverCare's free in-home assessment includes a written cost plan with all of this math done for your situation — call (586) 326-3256.
Around-the-clock home care in Michigan typically runs $22,000–$28,000 per month at $32–$40 per hour (168 hours per week × 4.33 weeks). Live-in care, where one caregiver sleeps in the home with an 8-hour overnight rest period, generally costs $400–$500 per day or roughly $12,000–$15,000 per month — a common alternative for late-stage dementia families who want a single trusted face instead of a rotating shift schedule.
It depends on hours. Assisted living in Metro Detroit averages $5,500–$6,500/month and memory care averages $7,500–$9,500/month. Home care is cheaper than memory care up to roughly 50–60 hours per week of care; above that, a memory care community is usually less expensive per hour. The trade-off: at home, your loved one keeps their bedroom, their routine, their pets, and their grandchildren visiting on the couch — and many families find that quality of life is worth the higher per-hour cost.
No. EverCare quotes one flat hourly rate that includes the caregiver's wages, payroll taxes, workers' comp, liability insurance, supervision, and 24/7 on-call support. There are no assessment fees, no registration fees, no mileage charges, no holiday surcharges hidden in the fine print, and no long-term contract. Month-to-month, 48 hours' notice to change or pause.
Helpful next steps before you call.
Every family is different. A free in-home assessment gives you a written care plan and a flat hourly quote within 24 hours — no obligation. Call (586) 326-3256 or complete our 2-minute form.
Reviewed by EverCare Home Care care management team. Last updated May 2026.
