24-Hour Home Care in Waterloo, IL: Round-the-Clock Care

Local figures

24-Hour Home Care in Waterloo, IL: the local picture

12%

of residents 65+ have difficulty dressing or bathing (6.7% in Monroe County)

274

residents 85 or older (2.5% of all residents)

34%

of residents 65+ report a disability (28% in Monroe County)

$65,884

median yearly income of households headed by someone 65+

252 Waterloo residents 65 or older have difficulty dressing or bathing (12%; 6.7% in Monroe County), and 452 have serious difficulty walking. Round-the-clock care is usually for people who need hands-on help at any hour.

About 274 residents are 85 or older (2.5% of the population).

If you are weighing home care against a nursing home, the nearest Medicare-certified ones are Accolade Healthcare Of Waterloo in Waterloo (1.1 mi) and Nexus At Columbia in Columbia (8.1 mi).

Waterloo compared with Monroe County and Illinois

Census figure	Waterloo	Monroe County	Illinois
Residents 65+ with difficulty dressing or bathing	12%	6.7%	6.9%
Residents 65+ with serious difficulty walking	21%	17%	20%
Residents 65+ with serious difficulty remembering	2.5%	5.3%	7.0%
Residents 85 or older	2.5%	2.4%	2.0%
Residents 65+ in households who live alone	22%	24%	30%
Residents 65+ below the poverty line (approx.)	12%	8.3%	10%
Median income, households headed by someone 65+	$65,884	$63,522	—

Older residents in towns around Waterloo

Town	Distance	Residents 65+	Self-care difficulty (65+)
Columbia, IL	8.8 mi	1,839	5.6%
Millstadt, IL	8.8 mi	1,072	1.7%
Smithton, IL	10 mi	984	2.1%
Oakville, MO	12 mi	7,845	3.9%
Red Bud, IL	12 mi	798	18%
Imperial, MO	12 mi	649	7.1%

Home health agencies serving Waterloo

Agency	Office	Distance	CMS quality stars	Services listed	Phone
Adoration Home Health	O Fallon, IL	21 mi	4.5 of 5	nursing, physical therapy, occupational therapy, speech therapy, home health aides	(618) 622-8854
Evertrue Home Health	St. Louis, MO	22 mi	4.5 of 5	nursing, physical therapy, occupational therapy, speech therapy, medical social work, home health aides	(314) 352-7889
Aw Health Care	Saint Louis, MO	24 mi	4.5 of 5	nursing, physical therapy, occupational therapy, speech therapy, medical social work, home health aides	(314) 726-5600
Residential Home Health Of Southern Illinois	Glen Carbon, IL	31 mi	4 of 5	nursing, physical therapy, occupational therapy, speech therapy, medical social work, home health aides	(800) 642-6099
Apollo Medical	Saint Louis, MO	27 mi	3.5 of 5	nursing, physical therapy, occupational therapy, speech therapy, medical social work, home health aides	(314) 692-0611

Nursing homes near Waterloo (to compare)

Nursing home	Town	Distance	CMS overall rating	Certified beds	Phone
Accolade Healthcare Of Waterloo	Waterloo, IL	1.1 mi	4 of 5	144	(618) 939-3488
Nexus At Columbia	Columbia, IL	8.1 mi	1 of 5	119	(618) 281-6800
Bethesda Southgate	Saint Louis, MO	12 mi	5 of 5	130	(314) 846-2000
Nazareth Living Center	Saint Louis, MO	14 mi	1 of 5	121	(314) 487-3950

Straight-line miles from the center of Waterloo. Medicare (CMS) data, October 2026; call ahead to confirm. We are not affiliated with these providers.

What it covers

What a 24-hour caregiver can help with

Someone awake and on duty at all hours
Personal care, meals and medication reminders through the day
Help at night without relying on one tired caregiver
Written handover notes between shifts

Cost

What 24-hour home care costs in Waterloo

24-hour care is 168 paid hours a week. At $18.30 an hour (the Illinois median aide wage) that is about $13,322 a month in wages before any overtime, 243% of the $5,490 monthly median income of Waterloo households headed by someone 65+. Rates are agreed with each caregiver. Illinois's minimum wage is $15.00 an hour (U.S. Department of Labor table, updated July 1, 2026).

Hiring directly, you agree the rate with the caregiver and usually become the household employer (U.S. Department of Labor rules). Some families qualify for programs that pay for care at home; see Medicaid programs for family caregivers: who can be paid, and the rules in 12 states.

Before you hire

What to know before hiring a 24-hour caregiver

24-hour care is the most hours a family can arrange at home, and the most costly. Each caregiver works a set shift, often two 12-hour or three 8-hour shifts a day, so nobody works all night after working all day. Minimum wage and overtime rules apply to each caregiver you employ directly; for workers who live in the home see DOL Fact Sheet 79B.

Questions worth asking: How do you hand over to the next caregiver? Can you work fixed shifts on the same days each week? Have you worked on a team caring for one client? More in our 24-hour home care guide.

CaregiverConnect does not run background checks. Check identity, references and any certification yourself before anyone starts. The Safety Center explains how.

Questions

24-Hour Home Care in Waterloo: common questions

How much does 24-hour home care cost in Waterloo?

24-hour care is 168 paid hours a week. At $18.30 an hour (the Illinois median aide wage) that is about $13,322 a month in wages before any overtime, 243% of the $5,490 monthly median income of Waterloo households headed by someone 65+. Rates are agreed with each caregiver. Illinois's minimum wage is $15.00 an hour (U.S. Department of Labor table, updated July 1, 2026).

How many caregivers does 24-hour care take?

A week has 168 hours. If each caregiver works about 40 hours, that is four or five people, plus someone to cover sickness and holidays. Fewer caregivers means very long weeks for each of them.

More near Waterloo

More senior care near Waterloo

24-Hour Home Care in nearby cities

Other care in Waterloo

More for Waterloo families

Sources

Census ACS 2020–2024 5-year; CMS provider data (October 25, 2026); U.S. DOL state minimum wages (July 1, 2026); BLS OEWS May 2025 aide wages, which cover employed aides rather than private rates.

24-Hour Home Care in Waterloo, IL