Average weekly costs for UK care homes in 2025
For those who are self-funding their care, average weekly fees differ significantly based on the level of support required. According to recent data from early 2025, a self-funded place in a residential care home can range from approximately £1,076 a week in the North East of England to £1,710 a week in London. Nursing care, which includes 24-hour medical supervision from qualified nurses, is typically more expensive. The average weekly cost for a self-funded place in a nursing home starts from around £1,225 in the North East and can exceed £1,871 in London. These figures are important national snapshots but remember that actual prices will depend on the specific home and its location.
Self-funded vs. local authority-funded care
Your financial circumstances determine who pays for your care. If your capital and assets exceed the upper limit set by your local authority, you will be expected to pay for your own care (known as a self-funder). If your assets fall below this threshold, your local council may contribute, based on a financial assessment. However, the amount councils pay is often less than the fees for privately funded residents, which can create a shortfall. Some families may opt to pay a 'top-up' fee to secure a place in a home that costs more than the local authority's budget.
Factors that influence care home costs
Care home fees are not a fixed rate; several key factors determine the final price:
- Location: The region has a major impact. Fees are considerably higher in London and the South East compared to regions like the North East or parts of Wales.
- Type of Care: The level of medical and personal care needed directly affects the cost. Residential care is cheaper than nursing care, and specialist care, such as for advanced dementia, often incurs higher fees.
- Quality and Amenities: Care homes with superior facilities, modern buildings, private en-suite rooms, extensive activities, and landscaped gardens often charge more for their services.
- Room Type: A private room will typically cost more than a shared or semi-private room.
- Care Provider: Fees vary between private, local authority, and charitable care providers.
What is typically included in care home fees?
Most care home fees cover a standard package of services, but it's essential to check your contract carefully as inclusions can vary. Typical fees usually cover:
- Accommodation (a room with standard furnishings)
- All meals and snacks
- 24-hour personal care, including help with dressing, washing, and mobility
- Laundry services
- Housekeeping services
- Some social activities
Additional costs to consider
Beyond the base fee, be prepared for potential extra charges. These might include:
- Hairdressing or beauty treatments
- Chiropody appointments
- Private telephone line or internet access in your room
- Outings and transport for off-site activities
- Toiletries and personal supplies
- Specialist medical supplies if not covered by a standard flat rate
- Non-prescription medications
How to fund care home fees
Navigating the financial aspects of care is challenging. Here are the main funding routes:
- Self-Funding: If your assets exceed the local authority threshold (£23,250 in England, £35,000 in Scotland, £50,000 in Wales as of late 2025), you will pay for your own care until your assets reduce. Your home's value may be included in the assessment, though exceptions exist if a partner or certain relatives still live there.
- Local Authority Funding: If your assets are below the threshold, your local council may provide financial support following a care needs assessment and a financial assessment. You will still contribute from your income, like pensions, leaving a Personal Expenses Allowance.
- Deferred Payment Scheme: This scheme allows individuals to defer paying care home costs until after their property is sold. It is available to eligible self-funders who have their money tied up in their home.
- NHS Continuing Healthcare (CHC): If a person has a primary health need that is complex, substantial, and ongoing, the NHS may cover the full costs of their care. This is not means-tested and is based solely on health needs.
- NHS-Funded Nursing Care (FNC): If a person does not qualify for CHC but requires nursing care in a care home, the NHS pays a contribution directly to the home. The weekly rates vary across the UK.
Regional variation in care home costs (Self-Funded, Early 2025)
| Region | Residential Care (per week) | Nursing Care (per week) | Residential Dementia Care (per week) | Nursing Dementia Care (per week) |
|---|---|---|---|---|
| London | £1,710 | £1,871 | £1,756 | £1,912 |
| South East England | £1,501 | £1,647 | £1,562 | £1,699 |
| East of England | £1,402 | £1,544 | £1,442 | £1,577 |
| South West England | £1,390 | £1,582 | £1,438 | £1,615 |
| North West England | £1,282 | £1,427 | £1,312 | £1,455 |
| East Midlands | £1,210 | £1,365 | £1,237 | £1,405 |
| North East England | £1,076 | £1,225 | £1,126 | £1,248 |
Table based on self-funder cost data from Lottie via Which.co.uk, early 2025. Note that regional differences and individual care needs mean these are averages, and specific costs will vary. For more information on care funding options and planning, you can visit the Age UK website.
Making a decision
Choosing a care home and planning its funding is a significant decision. The first step should be a care needs assessment from your local council to determine the most suitable type of care. Following that, a financial assessment will clarify your funding options. It is wise to seek independent financial advice from a specialist care fees adviser to explore all options, including pensions, investments, and potential benefits. Visiting potential care homes and speaking to staff and residents is also crucial to ensure the home is the right fit for your needs and preferences.
Conclusion
The average cost of a care home per week in the UK is a complex figure, heavily dependent on geography, care type, and funding status. With self-funded residential costs ranging widely across the country, proper financial planning is essential. Understanding the differences between residential and nursing care, regional variations, and the various funding options available from local authorities, the NHS, and privately is key to making an informed choice for yourself or a loved one. Seeking expert advice and conducting thorough research on individual homes will help clarify your financial responsibilities and ensure the best possible care is secured.
