Live-In Caregivers in Clear Lake, IA: 24-Hour Home Care

Local figures

Live-In Caregivers in Clear Lake, IA: the local picture

284

residents 85 or older (3.7% of all residents)

1,119

households headed by someone 65+ own their home (87%)

66%

of Clear Lake homes have 3 or more bedrooms (60% in Cerro Gordo County)

$7.25

Iowa minimum wage per hour

About 284 Clear Lake 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 Clear Lake have three or more bedrooms (60% in Cerro Gordo County), while 11% have one bedroom or none, where live-in care rarely works; the median home has 5.9 rooms.

Of Clear Lake households headed by someone 65 or older, 1,119 own their home and 161 rent; among householders 85 and older it is 163 owners and 39 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

Clear Lake compared with Cerro Gordo County and Iowa

Census figure	Clear Lake	Cerro Gordo County	Iowa
Residents 85 or older	3.7%	3.1%	2.3%
Residents 65+ in households who live alone	22%	28%	31%
Residents 65+ with a disability	36%	31%	30%
Residents 65+ below the poverty line (approx.)	5.0%	7.3%	8.4%
Residents 65 or older	27%	24%	18%
Residents 5+ who speak a language other than English at home	1.6%	3.7%	9.1%
Median income, households headed by someone 65+	$53,750	$50,066	—

Older residents in towns around Clear Lake

Town	Distance	Residents 65+	Residents 85+
Mason City, IA	8.8 mi	6,215	830
Garner, IA	12 mi	916	186
Forest City, IA	16 mi	756	102
Belmond, IA	23 mi	727	122
Hampton, IA	28 mi	981	156
Osage, IA	30 mi	897	108

Emergency hospitals near Clear Lake

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
Mercyone North Iowa Medical Center	Mason City, IA	9.0 mi	2 of 5	(641) 428-7000
Hancock County Health System	Britt, IA	20 mi	not rated	(641) 843-5000
Iowa Specialty Hospital - Belmond	Belmond, IA	23 mi	not rated	(641) 444-3223

Straight-line miles from the center of Clear Lake. 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 Clear Lake

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $17.34 an hour (the Iowa median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,757 a month (84% of the $4,479 monthly median income of Clear Lake households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $12,624 a month (282% of the $4,479 monthly median income of Clear Lake households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Iowa's minimum wage is $7.25 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 Clear Lake: common questions

Where is the nearest emergency hospital to Clear Lake?

Mercyone North Iowa Medical Center in Mason City, about 9.0 mi in a straight line from the center of Clear Lake (Medicare hospital file). Its listed phone number is (641) 428-7000. In an emergency, call 911.

How much does live-in care cost in Clear Lake?

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $17.34 an hour (the Iowa median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,757 a month (84% of the $4,479 monthly median income of Clear Lake households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $12,624 a month (282% of the $4,479 monthly median income of Clear Lake households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Iowa's minimum wage is $7.25 an hour (U.S. Department of Labor table, updated July 1, 2026).

Live-in or 24-hour care in Clear Lake?

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 Clear Lake 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 Clear Lake

More senior care near Clear Lake

Live-In Caregivers in nearby cities

Other care in Clear Lake

More for Clear Lake 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 Clear Lake, IA