Ask the Registered Manager: Understanding the Cost of Home Care

Eilish Crook, Registered Manager for our Wallingford team in Oxfordshire, answers the questions families ask most about paying for care at home.

How much does home care cost, and what affects the price?

It depends on the support you need and how long each visit is. A short weekday visit costs less than a longer visit or one at the weekend, and bank holidays are charged at a higher rate. Our care cost calculator will give you an estimate in a couple of minutes, and we always confirm the price with you before care starts.

Can you get financial help towards the cost of care at home?

Yes, and it's always worth asking. Start by asking your local council's adult social care team for a needs assessment, which is free. If they agree you need support, they will carry out a financial assessment to work out what you should pay. In England for 2026/27, if your savings are under £23,250 the council may help with the cost, and savings under £14,250 aren't counted at all. If you're receiving care in your own home, the value of your home is not included.

What is the difference between privately funded care and council-funded care?

Where we are providing the care, there is no difference in quality: the same carers, the same visits and the same standards. The difference is who arranges and pays for it. With council-funded care, the council agrees the care package and pays the provider, although you may still be asked to contribute. Some people take their council funding as a direct payment, so they can choose their own provider.

What is Attendance Allowance, and can it help pay for home care?

Attendance Allowance is a benefit for people over State Pension age who need help with personal care or supervision because of an illness or disability. It isn't means-tested, so your savings and income don't affect it, and you don't need to have a carer already to claim. For 2026/27 it is £76.70 a week, or £114.60 a week if you need help both day and night. You usually need to have needed help for six months before you can claim, unless you are terminally ill. It is paid to you, and many families use it towards the cost of care. If the council is funding your care, it will usually count Attendance Allowance as income in its financial assessment. You can apply on GOV.UK.

Can families start with a few visits a week and increase them later?

Absolutely. Every care package is built around the person. Many families start with a few visits a week and add more as needs change, and care can be reduced again just as easily. We review care regularly to make sure it still fits.

If you have a question you'd like answered, please talk to your local Bloomfield Care team.