Choosing between home care and residential care is one of the most important decisions for older adults and their families. Both options aim to ensure safety, dignity, and comfort but they differ in terms of environment, cost, and level of support.
This guide helps you understand the main distinctions, financial implications, and criteria to consider before making your choice.
What Is Home Care?
Home care, also called domiciliary care, allows individuals to stay in their own homes while receiving professional support. Care workers visit regularly to assist with daily tasks such as washing, dressing, medication, or meal preparation.
Home care is ideal for those who wish to maintain independence and stay in a familiar setting. Services can range from a few hours a week to full-time live-in care, depending on need.
Advantages:
- Greater independence and comfort of home.
- Tailored support and flexible scheduling.
- Strong emotional benefits and sense of control.
Considerations:
- Home adaptations may be required (ramps, stairlifts, or medical equipment).
- Social isolation may occur if mobility is limited.
- Costs can rise with increasing care needs.
What Is Residential Care?
Residential care provides 24-hour support in a dedicated facility for those who can no longer live safely at home. It includes help with personal care, meals, medication, and social activities in a communal environment.
It is best suited for individuals with high care needs or limited mobility, or those who require ongoing supervision.
Advantages:
- Constant professional care and monitoring.
- Social interaction and organised activities.
- No need to manage household maintenance or utilities.
Considerations:
- Loss of independence and personal space.
- Adjustment to a new environment.
- Typically higher long-term costs.
Comparing Home Care and Residential Care
| Aspect | Home Care | Residential Care |
|---|---|---|
| Environment | Support received in your own home, with familiar surroundings. | Live-in care setting with 24-hour supervision and structured activities. |
| Level of Support | Flexible — from occasional visits to full-time live-in assistance. | Continuous care, including medical monitoring and daily routines. |
| Independence | High — individuals maintain control over routines and lifestyle. | Moderate — communal living and scheduled activities. |
| Social Interaction | Limited to visitors and carers unless arranged externally. | Regular interaction with other residents and staff. |
| Costs (2025) | £200–£900 per week, depending on hours and services. | £800–£1,500 per week, depending on care level and location. |
| Funding | Means-tested support available from local councils for eligible individuals. | Also means-tested; additional private payments often required. |
| Best For | Those with moderate care needs seeking independence. | Those with high or complex care needs requiring constant support. |
Financial Support Options
Both home and residential care can be funded partly or fully through local authority support, depending on a means test.
- In England, individuals with savings above £23,250 generally self-fund.
- In Wales, non-residential care costs are capped at £100 per week.
- In Scotland, personal and nursing care are free for people aged 65+.
- In Northern Ireland, funding follows a similar structure to England under the integrated Health and Social Care (HSC) system.
Your local council will conduct a care assessment and a financial assessment to determine eligibility.
Key Factors When Choosing Between Home and Residential Care
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Level of Independence – Do you value staying at home, or do you require round-the-clock support?
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Health Needs – Chronic conditions or frequent medical attention may make residential care more suitable.
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Social Needs – Home care may feel isolating, while residential settings offer built-in companionship.
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Cost and Funding – Consider both current and future financial capacity.
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Family Involvement – Home care often requires coordination between professionals and relatives.
FAQ – Home Care vs Residential Care in the UK
Is home care cheaper than residential care?
Generally, yes. Home care is more affordable for low to moderate support needs, but costs can increase significantly for 24-hour care.
Can I receive both home and residential care at different times?
Yes. Many individuals begin with home care and transition to residential care as needs evolve.
Who decides whether I need residential care?
Your local authority conducts a care assessment to evaluate your physical, emotional, and social needs.
Can I get government help with home care costs?
Yes. Funding is available through your local council based on a financial means test and care needs.
Which option offers better quality of life?
It depends on personal preferences. Home care offers independence, while residential care provides security and social interaction.
Need help finding a care home?
Senior Home Plus offers free personalized guidance to help you find a care facility that suits your health needs, budget, and preferred location in the UK.
Call us at 0203 608 0055 to get expert assistance today.
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