The Cost of Care
The Cost of Care: Care Homes, Nursing Homes vs. Live-in Care at Home with District Home Care
Choosing the right long-term care option for yourself or a loved one involves careful consideration of both care needs and cost. This guide compares the cost of residential care homes, nursing homes, and live-in care at home, helping families make informed decisions that prioritise quality of life, dignity, and financial clarity.
1. Understanding the Care Options
Care Homes (Residential)
Care homes provide accommodation, meals, and personal care (such as help with washing, dressing, and mobility). They are suitable for people who need daily support but not 24-hour medical supervision.
Nursing Homes
Nursing homes offer all the services of a care home, with the addition of 24-hour support from qualified nurses. These are often chosen by people with more complex health needs.
Live-in Care at Home
Live-in care involves a professional carer living in the home to provide one-to-one support tailored to the individual’s needs. This allows the person to remain in the comfort and familiarity of their own home while receiving full-time care.
2. Cost Comparison (Southeast England – 2025 Estimates)
With District Home Care: All fees are discussed at the time of assessment and are based on the level of support required.
No hidden costs: Once we have agreed your support needs and weekly fee, there are no unexpected or ‘loaded’ charges, we do encourage you to seek a couple of quotes and also explore the possibility that if the weekly rate appears cheap, ask these questions:
3. compare the full-time care options for care homes, nursing homes or staying in your own home

Info-graph giving an estimated cost for nursing homes, care homes and District Home Care live in costs based on the general market in Surrey.
4. Benefits of Live-in Care
- Stay at home: Remain in familiar surroundings, close to loved ones and your community.
- Personalised care: Tailored one-on-one support based on your preferences and lifestyle.
- Continuity: Consistent caregivers and routines.
- No moving stress: Avoids the emotional impact of moving into a residential facility.
- Access to NHS community support services: Ensures holistic care with no extra arrangement fees.
5. Funding and Financial Support
You may be eligible for financial help with your care costs:
- Local Authority Funding: Means-tested support based on savings and income.
- NHS Continuing Healthcare (CHC): Full funding for individuals with ongoing health needs.
https://www.nhs.uk/social-care-and-support/money-work-and-benefits/nhs-continuing-healthcare/
- Attendance Allowance: Non-means-tested benefit for those over pension age needing care.
https://www.gov.uk/attendance-allowance
- Direct Payments: Receive council funds directly to manage and arrange your own care.
https://www.gov.uk/apply-direct-payments
- Grants for Home Modifications: Available through local councils or charities for necessary adaptations.
https://www.gov.uk/apply-disabled-facilities-grant
6. Talk to Us
At District Home Care, we believe in transparency, dignity, and personalised support. Our care team will work with you to build a package that fits your needs and budget—with no surprises.
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Call us:
01483 721515
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Email:
info@districthomecare.co.uk
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Interested in live-in care or want to understand your options?
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