If you’re considering in-home care for a loved one in San Diego, you’re not alone. With the city’s growing senior population and increased demand for quality care, understanding the true cost of in-home support is essential for families planning ahead.

This guide breaks down what you can expect to pay for in-home care in San Diego in 2025, what services are included, and how Clara can help you find the right care at the right price.

San Diego In-Home Care Costs in 2025

The most reliable and up-to-date pricing data for in-home care comes from the CareScout Cost of Care Report (1), which surveys providers nationwide each year. According to the 2024 CareScout survey, the median cost for in-home care in California—and specifically in San Diego—reflects the state’s higher-than-average cost of living and labor market pressures.

Median Costs for In-Home Care in San Diego

• Home Health Aide Services: $39.14 per hour, or about $7,462 per month for 44 hours of care per week.

Both homemaker and home health aide rates have converged in recent years, meaning families pay about the same whether they need “hands-off” support (like meal prep and light housekeeping) or “hands-on” personal care (like bathing, dressing, and mobility help). See here for more the different responsibilities a caregiver might take on in our blog, "What does a caregiver do?".

How Does This Compare Nationally?

• National Median (2025): $33.99 per hour for homemaker services, $35.01 per hour for home health aide services.

• San Diego/California Median (2025): $39.14 per hour for both service types, among the highest in the country.

What Services Are Included?

• Homemaker Services: Meal preparation, light cleaning, laundry, grocery shopping, companionship, and help with errands.

• Home Health Aide Services: All of the above, plus personal care such as bathing, dressing, grooming, medication reminders, and basic mobility assistance.

Care can be tailored to your loved one’s needs, whether you need a few hours a week or full-time daily support.

How Does In-Home Care Compare to Other Senior Care Options in San Diego?

Source: CareScout Cost of Care Report 2024

In-home care allows seniors to remain in their own homes, offering flexibility and personalized attention. While assisted living may be less expensive for full-time care, in-home care is often the preferred choice for those who value independence or need only part-time support.

What Drives the Cost of In-Home Care in San Diego?

• Labor Market: Caregiver wages are the largest factor, with California’s minimum wage and cost of living pushing rates higher. You can read more about the challenges the caregiver workforce is facing here.

• Hours Needed: More hours per week means a higher monthly cost, but hourly rates remain consistent.

• Specialized Needs: Dementia care, overnight supervision, or skilled nursing can add to the cost.

How to Pay for In-Home Care in San Diego

Most families pay for in-home care out of pocket, but there are several resources that can help:

• Long-Term Care Insurance: Many policies cover in-home care costs—review your plan or ask for help navigating claims.

• Medi-Cal (California Medicaid): May provide limited coverage for eligible seniors through programs like In-Home Supportive Services (IHSS).

• Veterans Benefits: Programs such as Aid & Attendance can help cover care for qualifying veterans and spouses.

• Other Financial Strategies: Home equity loans, reverse mortgages, and local grants may also be options.

Clara’s care experts can help you explore these options and maximize your benefits.

How Clara Makes In-Home Care in San Diego Easier and More Affordable

Clara is dedicated to helping San Diego families find, hire, and manage in-home caregivers:

• Affordable Rates: Clara’s average cost is $32 per hour, with care available for as low as $25 per hour—often 20–40% less than traditional providers.

• Vetted Caregivers: Clara’s network includes thousands of thoroughly screened, background-checked caregivers, many with specialized training.

• Fast, Flexible Matching: Clara can match you with a caregiver in as little as 24 hours, with flexible scheduling to fit your needs.

• 100% Legal and Insured: Clara handles payroll, taxes, and insurance, so you’re protected and compliant.

• Dedicated Support: Clara’s team is available 7 days a week to answer questions and provide ongoing support.

Next Steps: Planning for In-Home Care in San Diego

Every family’s needs are unique. The best way to determine your exact costs and care plan is to speak with a local expert who understands San Diego’s options and programs.

Ready to get started?

Contact Clara’s care experts for a free consultation. We’ll help you understand your choices, estimate costs, and connect you with the right caregiver for your loved one.

Better care starts with Clara.

Let us help you find, hire, and manage top-notch caregivers—without the headache and for a price that fits your budget. Reach out today to learn more about how Clara can support your family’s in-home care journey in San Diego.

For more information or to schedule a consultation, visit our website or connect with us directly. Clara is here to make in-home care in San Diego simple, affordable, and tailored to your needs.

References

1. https://assets.carescout.com/cd5022ca64/131168.pdf