How much does a live-in caregiver cost in New Jersey?

Oct 28, 2025 3 min read •

senior care Healthy Aging Cost of Care

According to several New Jersey care providers, the cost for a live-in caregiver in New Jersey can start at $325 to $340 per day, with some agencies charging over $450 per day. The final price depends on multiple factors, including the care recipient's needs and where they live within the state.

Quick Summary

Live-in caregiver costs in New Jersey typically begin in the $325–$340 per day range, with agency rates reaching $390–$490 per day, depending on the level of care required and geographic location. This provides a more affordable alternative to 24/7 hourly care but often requires a private room and board, with factors like the caregiver's experience and hiring method significantly affecting the final price.

Key Points

Daily Rate: Live-in caregiver costs in New Jersey generally start at $325-$340 per day, but can be higher depending on the agency and specific care needs.
Agency vs. Private: Agency fees are higher but cover hiring, vetting, payroll, and backup care, while private hiring is cheaper but leaves all legal and administrative responsibility to the family.
Variable Costs: The final price is significantly influenced by the care recipient's location within NJ, with urban areas typically being more expensive.
Level of Care: Care needs, such as specialized dementia care or medical tasks, increase the overall cost compared to standard companionship or personal care.
Financial Assistance: State programs like the Jersey Assistance for Community Caregiving (JACC) and Managed Long Term Services and Supports (MLTSS) can help eligible families cover some of the costs.

Understanding Live-in Caregiver Costs in New Jersey

The cost of hiring a live-in caregiver in New Jersey is influenced by several factors, including whether you hire through an agency or privately, the care recipient's location in the state, and the level of care needed. While starting daily rates can be around $325, agency rates may exceed $490 per day. This section details these cost factors and compares live-in care to other options.

Agency vs. Private Hiring

Choosing between an agency and a private hire significantly impacts cost and responsibilities. Agencies in New Jersey may charge $390 to over $465 per day, covering vetting, payroll, and backup care. Private hiring can be less expensive upfront but places all employer obligations, including legal requirements and finding replacement care, on the family.

Impact of Location within New Jersey

Geographic location plays a role, with areas like Bergen County near NYC having higher costs, potentially up to $465 per day through an agency. Other regions in South Jersey might have lower rates.

Level of Care and Its Cost Implications

The required level of care is a major cost determinant. Assisting with daily living activities (ADLs) increases costs compared to basic companionship. Specialized care for conditions like dementia or medical needs requiring a skilled nursing professional are the most expensive types of care.

Live-in Care Compared to 24-Hour Hourly Care

Live-in care, where a caregiver resides in the home with designated breaks, is typically a flat daily rate and more economical than 24-hour hourly care. 24-hour hourly care involves rotating caregivers ensuring constant presence and is significantly more expensive, with median national monthly costs potentially exceeding $21,000.

Cost Comparison: Live-in Care vs. Other Senior Options

Comparing live-in care with other long-term care options in New Jersey provides context:


Care Option	Typical Cost in New Jersey (2024-2025)	Notes
Live-in Care (Agency)	$390–$490+ per day	Based on agency rates, specific care needs, and location.
Assisted Living	~$6,650 per month	Significantly above the national average, includes room and amenities.
Nursing Home (Semi-Private)	~$11,600+ per month	Highest level of institutional care, costs vary by region.

Note: These figures are approximations, and actual costs will vary based on individual circumstances and market changes.

Navigating Financial Assistance in New Jersey

Several programs in New Jersey can help families manage the cost of in-home care:

Jersey Assistance for Community Caregiving (JACC): Provides in-home services for eligible seniors over 60 at risk of nursing home placement. It has income requirements and may involve a co-pay.
Statewide Respite Care Program (SRCP): Offers temporary relief for informal caregivers, including home care services with costs based on a sliding scale.
Managed Long Term Services and Supports (MLTSS): A Medicaid initiative under NJ FamilyCare assisting eligible individuals to remain at home.

Contacting the local Area Agency on Aging (AAA) or Aging & Disability Resource Connection (ADRC) at 1-877-222-3737 can provide more information on these programs.

Conclusion

The cost of a live-in caregiver in New Jersey is a significant investment with rates varying based on hiring method, location, and the level of care needed. While more affordable than 24/7 hourly care, it requires careful financial planning. Families should explore available state assistance programs and weigh the benefits of personalized, in-home care against the costs. Further resources can be found through the New Jersey Department of Human Services, Division of Aging Services at nj.gov/humanservices/doas.

Frequently Asked Questions

A live-in caregiver is typically much more affordable than 24-hour hourly care. The live-in option is priced at a daily rate and includes a required sleep break for the caregiver. 24-hour hourly care, in contrast, involves a team of caregivers working in shifts and is billed by the hour, making it significantly more expensive.

Yes, live-in caregiver costs in New Jersey are often higher than the national average due to the state's higher cost of living. For comparison, the national median cost for 24/7 home care in 2024 was estimated at $30 per hour, while New Jersey hourly rates are often higher.

Yes, long-term care insurance can help offset the cost of a live-in caregiver. The extent of coverage depends on the specifics of your policy, so it is important to review your plan details or consult with an insurance advisor.

Beyond the daily rate, you should budget for the caregiver's room and board, utilities, food, and other household expenses. For private hires, you are also responsible for costs like workers' compensation insurance and handling taxes.

Yes, New Jersey offers several state-funded programs. These include the Jersey Assistance for Community Caregiving (JACC), which helps seniors at risk of nursing home placement remain at home, and Medicaid waivers through the Managed Long Term Services and Supports (MLTSS) program.

When employing a live-in caregiver, providing room and board is a standard part of the arrangement, and it does not replace wages. This provides a place for the caregiver to live while offering consistent care. The cost is factored into the total budget for care.

A caregiver's qualifications and training significantly impact their rate. Caregivers with certifications such as Certified Nursing Assistant (CNA) or Home Health Aide (HHA) will generally command higher rates, especially if they are providing specialized or skilled care.

References

Medical Disclaimer

This content is for informational purposes only and should not replace professional medical advice. Always consult a qualified healthcare provider regarding personal health decisions.