One of the first questions families ask when considering assistance for an aging parent is: How much does senior home care cost in Philadelphia?
For many older adults, remaining in their own homes is preferable to moving into assisted living or a nursing facility. However, families understandably want to know whether professional home care fits their budget.
The good news is that non-medical home care can be arranged around an individual’s needs. Some seniors require just a few hours of assistance each week, while others benefit from more frequent visits.
For families throughout Philadelphia, Montgomery, Bucks, Delaware, and Chester Counties, understanding home care costs is an important first step in planning for the future.
What Is the Average Cost of Senior Home Care in Pennsylvania?
According to the 2025 CareScout Cost of Care Survey, published in March 2026, the median cost of non-medical in-home caregiving in Pennsylvania was approximately $34 per hour.
The national median was approximately $35 per hour.
These figures represent surveyed market rates, not a fixed price that every home care agency charges. Actual Philadelphia-area prices may be higher or lower depending on the provider and services required.
For families budgeting at Pennsylvania’s $34 hourly median, estimated monthly expenses would be:
| Hours of Care | Approximate Monthly Cost |
|---|---|
| 10 hours per week | $1,473 |
| 20 hours per week | $2,947 |
| 30 hours per week | $4,420 |
| 40 hours per week | $5,893 |
These estimates use 52 weeks divided by 12 months and assume a consistent $34 hourly rate. They do not include potential holiday premiums, minimum-visit requirements, or other agency-specific charges.
Source: CareScout 2025 Cost of Care Survey.
What Factors Affect the Cost of Home Care?
Not every senior requires the same level of assistance. Several factors can influence the total cost.
1. Number of Hours Needed
The number of weekly caregiving hours is often the biggest factor in determining monthly expenses.
For example, a senior who only needs assistance with grocery shopping, meal preparation, and household chores may benefit from a few scheduled visits each week.
Someone needing more frequent support may require additional hours.
Families should begin by identifying which daily activities have become difficult and determining when assistance would be most valuable.
2. Type of Home Care Services
Non-medical home care can include several categories of assistance.
Homemaking services generally focus on household responsibilities, including:
- Meal planning and preparation.
- Light housekeeping.
- Vacuuming, sweeping, and mopping.
- Laundry and changing bedsheets.
- Dishwashing and kitchen cleaning.
- Assistance organizing and reading mail.
Companionship services focus on social interaction and everyday activities, including:
- Friendly conversation.
- Playing games and reading aloud.
- Grocery shopping assistance.
- Accompaniment on errands.
- Accompaniment to medical appointments.
- Walking and recreational activities.
Pricing may vary based on the services requested and the agency’s policies.
3. Scheduling and Frequency
Some agencies have minimum visit lengths, minimum weekly hours, or different rates for evenings, weekends, and holidays.
Families should ask about these policies before signing a service agreement.
A clearly defined schedule helps prevent unexpected expenses.
4. Geographic Location
Home care costs can also vary among Philadelphia neighborhoods and surrounding suburban communities.
Caregiver availability, transportation, scheduling requirements, and local operating expenses may influence pricing.
Families in Montgomery, Bucks, Delaware, and Chester Counties should confirm that an agency serves their specific location.
Is Home Care Less Expensive Than Assisted Living?
Sometimes, particularly when a senior needs only part-time assistance.
For example, someone receiving 10 or 20 hours of weekly home care may spend substantially less on caregiving services than the monthly cost of an assisted living facility.
However, the comparison changes when extensive daily assistance is necessary.
A senior who requires many hours of care every day could have higher home care expenses than someone living in an assisted living community.
Families should also remember that remaining at home involves ordinary living expenses, including housing, utilities, groceries, and property maintenance.
The best arrangement depends on the individual’s care requirements, preferences, financial circumstances, and safety.
Does Medicare Pay for Non-Medical Senior Home Care?
Original Medicare generally does not cover ongoing non-medical home care when companionship, homemaking, or personal assistance is the only service needed.
Medicare primarily provides coverage for qualifying medical services.
Under certain circumstances, Medicare may cover limited home health aide services when a patient also qualifies for covered skilled home health care. However, that is different from paying for long-term companionship or routine household assistance.
Families should not assume that being enrolled in Medicare automatically qualifies someone for paid non-medical home care.
Does Pennsylvania Medicaid Cover Home Care?
Pennsylvania Medicaid may cover qualifying home and community-based services for eligible individuals.
One important program is Pennsylvania’s Community HealthChoices (CHC), which can provide long-term services and supports to individuals who meet applicable eligibility requirements.
Covered services may include certain personal assistance and other authorized home-based supports.
However, eligibility depends on several factors, including the individual’s circumstances, functional needs, and applicable program requirements.
Not every service is covered, and an agency must meet the necessary enrollment and participation requirements to provide Medicaid-funded services.
Families interested in this option can learn more through the Pennsylvania Department of Human Services.
Other payment possibilities include private funds and qualifying long-term care insurance policies. Some eligible veterans may have access to benefits that help with certain care expenses.
How Can Families Make Senior Home Care More Affordable?
There are several practical ways to manage the cost of care.
Start with the most important needs. Identify which tasks are difficult for your loved one and prioritize assistance with those activities.
Consider part-time care. A few scheduled visits each week may be sufficient for someone who needs help primarily with household chores or companionship.
Coordinate with family members. Professional caregivers can supplement the assistance already provided by relatives.
Review available benefits. Medicaid programs, qualifying insurance policies, or veterans’ benefits may help eligible individuals.
Request clear pricing information. Ask about hourly rates, scheduling minimums, payment policies, and possible additional charges.
A realistic home care budget should reflect both the senior’s current needs and the possibility that those needs may change.
Non-Medical Home Care Services in Greater Philadelphia
CC Home Care LLC provides non-medical home care services throughout the Greater Philadelphia Area, including:
- Philadelphia County
- Montgomery County
- Bucks County
- Delaware County
- Chester County
Our homemaking services help with everyday household responsibilities, while companionship care provides social interaction and assistance with errands, appointments, and recreational activities.
These services can help older adults maintain familiar routines while receiving additional support at home.
Contact CC Home Care LLC to Discuss Your Home Care Needs
The cost of senior home care depends on how much assistance is needed, how often services are scheduled, and the specific arrangements made with the agency.
CC Home Care LLC understands that every family’s circumstances are different.
If you’re exploring non-medical home care for an aging parent or loved one in Philadelphia or the surrounding counties, contact CC Home Care LLC to discuss available homemaking and companionship services and request information about scheduling and pricing.
Contact CC Home Care LLC today to learn more about non-medical senior home care in Greater Philadelphia.
Disclaimer: Pricing figures are general market estimates based on the 2025 CareScout Cost of Care Survey, not CC Home Care LLC’s advertised rates or a guarantee of future costs. Insurance and public-program coverage are subject to individual eligibility and provider participation requirements.