Live-In Caregivers in Chester, MD: 24-Hour Home Care

Local figures

Live-In Caregivers in Chester, MD: the local picture

57

residents 85 or older (1.2% of all residents)

556

households headed by someone 65+ own their home (82%)

66%

of Chester homes have 3 or more bedrooms (81% in Queen Anne's County)

$15.00

Maryland minimum wage per hour

About 57 Chester residents are 85 or older. Live-in care is most often arranged for this age group, when help is needed through the day and someone should be close at night.

A live-in caregiver needs a private room. 66% of homes in Chester have three or more bedrooms (81% in Queen Anne's County), while 5.3% have one bedroom or none, where live-in care rarely works; the median home has 5.7 rooms.

Of Chester households headed by someone 65 or older, 556 own their home and 120 rent; among householders 85 and older it is 21 owners and 24 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

Chester compared with Queen Anne's County and Maryland

Census figure	Chester	Queen Anne's County	Maryland
Residents 85 or older	1.2%	1.7%	1.9%
Residents 65+ in households who live alone	41%	23%	27%
Residents 65+ with a disability	31%	25%	30%
Residents 65+ below the poverty line (approx.)	3.4%	6.8%	9.5%
Residents 65 or older	19%	21%	17%
Residents 5+ who speak a language other than English at home	9.7%	5.7%	21%
Median income, households headed by someone 65+	$70,588	$89,332	—

Older residents in towns around Chester

Town	Distance	Residents 65+	Residents 85+
Stevensville, MD	1.9 mi	1,700	240
Grasonville, MD	4.8 mi	417	18
Cape St. Claire, MD	10 mi	1,499	86
Naval Academy, MD	11 mi	50	0
Annapolis Neck, MD	11 mi	2,833	226
Annapolis, MD	12 mi	8,301	832

Emergency hospitals near Chester

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
Luminis Health Anne Arundel Medical Center, Inc	Annapolis, MD	14 mi	3 of 5	(443) 481-1000
Luminis Health J Kent Mcnew Family Medical Center	Annapolis, MD	14 mi	not rated	(443) 481-1000
University Of Md Shore Medical Center At Easton	Easton, MD	17 mi	4 of 5	(410) 822-1000

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

What it covers

What a live-in caregiver can help with

Help across the day: meals, housekeeping, personal care
Someone in the home overnight if help is needed
Medication reminders and appointment rides
Companionship and a steady routine

Cost

What live-in care costs in Chester

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $18.29 an hour (the Maryland median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,963 a month (67% of the $5,882 monthly median income of Chester households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $13,315 a month (226% of the $5,882 monthly median income of Chester households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Maryland'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 live-in caregiver

Put the arrangement in writing: hours on duty, sleep time, days off, the room and pay (federal rules: DOL Fact Sheet 79B).

Questions worth asking: Have you lived in with a client before, and for how long? What days off and sleep time do you need? How do you handle being woken at night? More in our live-in caregivers guide.

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

Questions

Live-In Caregivers in Chester: common questions

Where is the nearest emergency hospital to Chester?

Luminis Health Anne Arundel Medical Center, Inc in Annapolis, about 14 mi in a straight line from the center of Chester (Medicare hospital file). Its listed phone number is (443) 481-1000. In an emergency, call 911.

How much does live-in care cost in Chester?

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $18.29 an hour (the Maryland median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,963 a month (67% of the $5,882 monthly median income of Chester households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $13,315 a month (226% of the $5,882 monthly median income of Chester households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Maryland's minimum wage is $15.00 an hour (U.S. Department of Labor table, updated July 1, 2026).

Live-in or 24-hour care in Chester?

A live-in caregiver sleeps in the home and has protected sleep and break time. 24-hour care uses two or three caregivers in shifts so someone is always awake; in Chester it costs more than three times as much a month (see the cost section above). Choose shifts if help is needed several times a night.

More near Chester

More senior care near Chester

Live-In Caregivers in nearby cities

Other care in Chester

More for Chester 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.

Live-In Caregivers in Chester, MD