Senior Care // Find In-Home Care Options Near Me // In-Home Care in Minnesota

Minnesota is a midwestern U.S. state bordering Canada and Lake Superior, the largest of the Great Lakes. The state contains more than 10,000 other lakes, including Lake Itasca, the Mississippi River’s primary source. The “Twin Cities” of Minneapolis and state capital Saint Paul are dense with cultural landmarks like the Science Museum of Minnesota and the Walker Art Center, a modern art museum.

Saint Paul, in east-central Minnesota along the banks of the Mississippi River, has been Minnesota's capital city since 1849, first as capital of the Territory of Minnesota, and then as the state capital since 1858.

Saint Paul is adjacent to Minnesota's most populous city, Minneapolis; they and their suburbs are collectively known as the Twin Cities metropolitan area, the country's 16th-largest metropolitan area and home to about 55 percent of the state's population. The remainder of the state is known as "Greater Minnesota" or "Outstate Minnesota".

The state has 17 cities with populations above 50,000 as of the 2010 census. In descending order of population, they are MinneapolisSaint PaulRochesterDuluthBloomingtonBrooklyn ParkPlymouthSaint CloudWoodburyEaganMaple GroveCoon RapidsEden PrairieMinnetonkaBurnsvilleApple ValleyBlaine, and Lakeville. Of these only Rochester, Duluth, and Saint Cloud are outside the Twin Cities metropolitan area.

Minnesota's population continues to grow, primarily in the urban centers. The populations of metropolitan Sherburne and Scott counties doubled between 1980 and 2000, while 40 of the state's 87 counties lost residents over the same period.

The United States Navy has recognized multiple Minnesota communities.

The Cost of In-Home Care in Minnesota

The Cost of In-Home Care in Minnesota’s Top Cities

Comparing Costs Across Minnesota

Monthly in-home care costs in Minnesota’s cities span a range of about $830. At $5,815, the average rate is highest in Minneapolis, the largest metropolitan area. The lowest cost per month is found in Duluth, where in-home care averages $4,986. The average price in Rochester matches the statewide median of $5,529. Costs drop roughly $150 and $190 per month, respectively, in St. Cloud and Mankato, where the averages are $5,386 and $5,339.


Financial Assistance for In-Home Care in Minnesota

Seniors and their families who need services that help older persons remain in their homes may be interested in Minnesota's Alternative Care and Elderly Waiver programs.

These programs also provide services that help spouses and families care for their senior family members. The programs include a wide variety of services that help older adults, including home health aide services, home-delivered meals, family caregiver support and training, adult day care services, transportation, personal care assistants, medical supplies and equipment, companion services, and homemaker services. The Elderly Waiver also includes adult foster care services, customized living services, and more.

The Essential Community Supports program provides funding for some services that many seniors first find helpful such as homemaking or meals. If you are interested in learning more about these programs, please contact the groups listed on the right. When you call, county staff will talk with the caller about the senior's needs and abilities, and county staff will provide information about community resources.

For more information:

  • Call your county's health or human services agency. Look in the phone book in the blue “government” pages for your county's listing.
  • Call the Senior LinkAge Line® (800) 333-2433 for help in connecting to your county or senior services.
  • Visit the DHS Web site at and look under “People We Serve/Seniors.”
  • If you belong to a health plan, you may be referred to your care coordinator for assistance.


More Ways to Pay for In-Home Care

While the above programs help many people finance in-home care, they will not cover all costs for everyone. There are other ways to pay for in-home care, including out-of-pocket arrangements with siblings, annuities, reverse mortgages, private insurance and more.

Free and Low-Cost In-Home Care Resources in Minnesota

People who live in Minnesota may qualify for Minnesota Health Care Programs. You must meet program eligibility rules including income limits to qualify.

Home-Delivered Meals

Call the Senior LinkAge Line at 800-333-2433 to sign up. The senior nutrition program provides free home-delivered meals to seniors aged 60 and older.

Other Places to Get Low-Cost Care in Minnesota


Frequently Asked Questions

Does Minnesota Medicaid Pay for In-Home Care?

Minnesota’s state Medicaid plan only pays for care in a nursing facility. MA does offer an Elderly Waiver that covers the cost of a number of in-home supports and services for state residents aged 65 and older who meet the program’s functional and financial criteria.

Medicaid and MinnesotaCare

Over 1.1 million Minnesotans, or approximately 20% of the state’s population, received comprehensive health care coverage through the state’s publicly funded health care programs, Medicaid (called Medical Assistance in Minnesota) and MinnesotaCare (Minnesota’s Basic Health Program), in-state fiscal year (FY) 2020.

Nearly half (46%) of all enrollees across Medical Assistance and MinnesotaCare were children under 19. Through these health insurance programs, the state pays for all or part of enrollees’ health care services.

The federal Centers for Medicare & Medicaid Services regulates and helps finance Medicaid and the Basic Health Program nationwide. In Minnesota, the Department of Human Services (DHS) is the State Medicaid Agency and partners with Minnesota counties and tribes to administer Medical Assistance and MinnesotaCare.

Medicaid and MinnesotaCare covered services include:

  • Chiropractic care
  • Dental care (limited for adults)
  • Doctor/clinic visits
  • Eyeglasses
  • Family planning services
  • Hearing aids
  •  Home care
  • Hospice care
  • Hospital services (inpatient and outpatient)
  • Immunizations and vaccines
  • Interpreter services
  • Labs and X-rays
  • Licensed birth center services
  • Medical equipment and supplies
  • Medical transportation (emergency and certain non-emergency)
  • Medication therapy management
  • Mental health care and substance use disorder treatment
  • Nursing homes, intermediate care facilities for people who are developmentally disabled
  • Outpatient surgery
  • Prescriptions
  • Rehabilitative therapy
  • Urgent care Limits on coverage and copays may apply to some services for some people.

To apply for Medicaid or MinnesotaCare

  • Visit, Minnesota’s online health insurance marketplace.
  • Visit to apply for family planning services only or for help paying your costs in a long-term care facility, such as a nursing home.
  • Fill out a paper application.
  • Call your local county agency or tribe to get an application.

How Much Does In-Home Care Cost in Minnesota?

Nonmedical home care costs an average of $5,529 per month in Minnesota, according to the Genworth Cost of Care Survey 2019. This is over $1,200 above the national monthly median but $286 below the state’s average cost for home health care services, which include skilled nursing care.


Does Medicare Pay for In-Home Care?

Medicare does not pay for full-time in-home care. It does cover specific in-home services for beneficiaries recovering from surgeries, hospital stays, illnesses and injuries who are under a physician’s care. These include short-term skilled nursing care, home health aide services and occupational and physical therapy sessions.


What Are Activities of Daily Living?

Activities of daily living, which are commonly referred to as ADLs, are the basic self-care tasks a person normally completes each day. These six tasks include bathing, dressing, grooming, ambulation, elimination and eating. ADLs differ from instrumental activities of daily living, which involve more complex skills.

In-Home Senior Care in Minnesota

  • Afton, MN
  • Albertville, MN
  • Andover, MN
  • Anoka, MN
  • Apple Valley, MN
  • Arden Hills, MN
  • Bayport, MN
  • Becker, MN
  • Belle Plaine, MN
  • Bethel, MN
  • Big Lake, MN
  • Blaine, MN
  • Bloomington, MN
  • Braham, MN
  • Brooklyn Center, MN
  • Brooklyn Park, MN
  • Buffalo, MN
  • Burnsville, MN
  • Cambridge, MN (5)
  • Cannon Falls, MN (8)
  • Carver, MN (10)
  • Castle Rock, MN (10)
  • Cedar, MN (13)
  • Center City, MN (7)
  • Champlin, MN (15)
  • Chanhassen, MN (16)
  • Chaska, MN (17)
  • Chisago City, MN (7)
  • Circle Pines, MN (19)
  • Clear Lake, MN (4)
  • Clearwater, MN (5)
  • Cologne, MN (7)
  • Columbia Heights, MN (19)
  • Coon Rapids, MN (19)
  • Cottage Grove, MN (16)
  • Crystal, MN (22)
  • Crystal Bay, MN (8)
  • Dalbo, MN (4)
  • Dayton, MN (14)
  • Deephaven, MN (19)
  • Delano, MN (5)
  • Duluth, MN (7)
  • Eagan, MN (25)
  • East Bethel, MN (13)
  • Eden Prairie, MN (25)
  • Edina, MN (30)
  • Elk River, MN (6)
  • Elko, MN (11)
  • Elko New Market, MN (11)
  • Excelsior, MN (19)
  • Farmington, MN (17)
  • Forest Lake, MN (13)
  • Fridley, MN (18)
  • Frontenac, MN (5)
  • Golden Valley, MN (23)
  • Goodhue, MN (4)
  • Hamburg, MN (5)
  • Hamel, MN (12)
  • Hampton, MN (11)
  • Hanover, MN (10)
  • Harris, MN (5)
  • Hastings, MN (14)
  • Hopkins, MN (24)
  • Howard Lake, MN (6)
  • Hugo, MN (13)
  • Inver Grove Heights, MN (22)
  • Isanti, MN (6)
  • Jordan, MN (12)
  • Lake Elmo, MN (19)
  • Lakeland, MN (12)
  • Lakeville, MN (20)
  • Lindstrom, MN (7)
  • Little Canada, MN (22)
  • Long Lake, MN (15)
  • Lonsdale, MN (4)
  • Loretto, MN (12)
  • Mahtomedi, MN (19)
  • Maple Grove, MN (16)
  • Maple Lake, MN (7)
  • Maple Plain, MN (13)
  • Maplewood, MN (26)
  • Marine On Saint Croix, MN (14)
  • Mayer, MN (6)
  • Mendota, MN (13)
  • Mendota Heights, MN (19)
  • Minneapolis, MN (63)
  • Minnetonka, MN (20)
  • Minnetonka Beach, MN (10)
  • Monticello, MN (9)
  • Montrose, MN (6)
  • Mound, MN (16)
  • Mounds View, MN (21)
  • Navarre, MN (6)
  • New Brighton, MN (21)
  • New Germany, MN (5)
  • New Hope, MN (24)
  • New Market, MN (11)
  • New Prague, MN (6)
  • Newport, MN (12)
  • North Branch, MN (7)
  • North Oaks, MN (21)
  • North Saint Paul, MN (26)
  • Northfield, MN (9)
  • Norwood, MN (4)
  • Norwood Young America, MN (4)
  • Oak Park Heights, MN (16)
  • Oakdale, MN (16)
  • Osseo, MN (23)
  • Plymouth, MN (19)
  • Prior Lake, MN (16)
  • Ramsey, MN (20)
  • Randolph, MN (12)
  • Red Wing, MN (5)
  • Richfield, MN (26)
  • Robbinsdale, MN (23)
  • Rochester, MN (4)
  • Rockford, MN (11)
  • Rogers, MN (14)
  • Rosemount, MN (17)
  • Roseville, MN (22)
  • Rush City, MN (5)
  • Saint Bonifacius, MN (12)
  • Saint Cloud, MN (7)
  • Saint Francis, MN (12)
  • Saint Louis Park, MN (33)
  • Saint Michael, MN (9)
  • Saint Paul, MN (53)
  • Saint Paul Park, MN (16)
  • Savage, MN (16)
  • Scandia, MN (12)
  • Shafer, MN (7)
  • Shakopee, MN (17)
  • Shoreview, MN (20)
  • Shorewood, MN (19)
  • South Haven, MN (4)
  • South St Paul, MN (17)
  • Spring Lake Park, MN (18)
  • Spring Park, MN (14)
  • St Anthony, MN (19)
  • St Francis, MN (12)
  • St Louis Park, MN (24)
  • Stacy, MN (7)
  • Stanchfield, MN (4)
  • Stillwater, MN (16)
  • Taylors Falls, MN (7)
  • Vadnais Heights, MN (21)
  • Vermillion, MN (13)
  • Victoria, MN (12)
  • Waconia, MN (8)
  • Wanamingo, MN (4)
  • Watertown, MN (6)
  • Waverly, MN (5)
  • Wayzata, MN (19)
  • Webster, MN (5)
  • Welch, MN (8)
  • West Saint Paul, MN (19)
  • West St Paul, MN (20)
  • White Bear Lake, MN (22)
  • Willernie, MN (9)
  • Woodbury, MN (21)
  • Wyoming, MN (8)
  • Young America, MN (8)
  • Zimmerman, MN (6)
  • Zumbrota, MN (4)