Home Care Costs in Maryland
How Much Does In-Home Care Cost in Maryland? (2026)
In-home care in Maryland is typically billed by the hour, with 24-hour and live-in care arranged at flat daily or weekly rates. National cost surveys put the median for non-medical caregiver help at about $35 per hour (2025 CareScout/Genworth Cost of Care Survey), and Maryland generally runs at or slightly above that. Your actual cost depends on the hours and level of care — call 301-327-1444 for a free, personalized quote.
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How Pricing Works
How in-home care is priced
Hourly care
Most personal care and companion care is billed by the hour. Hourly rates in Maryland generally run at or slightly above the U.S. median of about $35/hour (2025 CareScout survey). Agencies often set a minimum number of hours per visit.
24-hour & live-in care
Around-the-clock and live-in care are usually arranged at flat daily or weekly rates rather than 24 separate hourly charges — which often makes continuous care more economical per hour than booking individual hours.
What affects your cost
Cost depends on hours per week, the level of care (companion vs. hands-on personal or dementia care), overnight or live-in needs, and your county. We give a clear, personalized quote after a free in-home assessment.
Paying for Care
How to pay for home care in Maryland
Medicare generally does not cover non-medical home care, but most Maryland families use one or more of these four routes.
Private pay
Paying out of pocket is the most common and flexible route — billed hourly, or at daily/weekly rates for live-in care, with no eligibility requirements.
Long-term care insurance
Many policies reimburse non-medical in-home care once benefit triggers are met (help with 2 of 6 daily activities, or a dementia diagnosis). Check your benefit limit and waiting period.
Maryland Medicaid
Programs like Community First Choice (CFC) and CPAS provide in-home personal care for those who qualify, with no waiting list; the Community Options Waiver also helps but has a waitlist. Start at Maryland Access Point: 1-844-627-5465.
VA Aid & Attendance
Eligible veterans and surviving spouses can receive an added monthly VA pension amount that helps pay for in-home care.
Cost FAQ
Common questions about home care cost
How much does 24-hour home care cost in Maryland?
24-hour and live-in care are billed at flat daily or weekly rates rather than 24 hourly charges, which usually makes continuous care more affordable per hour than booking individual hours. Exact rates depend on the level of care — call 301-327-1444 for a quote.
Is in-home care cheaper than assisted living or a nursing home?
It depends on the hours needed. For part-time help, in-home care is often more affordable than a facility; for around-the-clock care, costs converge. Many families use home care to delay or avoid facility placement while keeping a loved one at home.
Does insurance pay for in-home care?
Medicare generally does not cover non-medical home care, but long-term care insurance often does, and Maryland Medicaid (Community First Choice, CPAS) and VA Aid & Attendance can help eligible families. Ask us and we will help you check your options.
Do you offer a free assessment and quote?
Yes. We provide a free in-home assessment and a clear, personalized quote with no obligation. Call 301-327-1444.
Talk With Us
Get a clear quote — no surprises.
A free in-home assessment gives you an exact, personalized cost — plus help understanding Medicaid, VA, and insurance options. Serving Prince George’s, Montgomery, Howard, Anne Arundel, and Charles counties.