Live-In Caregivers in Cottage Grove, MN: 24-Hour Home Care

Local figures

Live-In Caregivers in Cottage Grove, MN: the local picture

668

residents 85 or older (1.6% of all residents)

2,987

households headed by someone 65+ own their home (84%)

82%

of Cottage Grove homes have 3 or more bedrooms (71% in Washington County)

$11.41

Minnesota minimum wage per hour

About 668 Cottage Grove 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. 82% of homes in Cottage Grove have three or more bedrooms (71% in Washington County); the median home has 7.1 rooms.

Of Cottage Grove households headed by someone 65 or older, 2,987 own their home and 551 rent; among householders 85 and older it is 257 owners and 207 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

Cottage Grove compared with Washington County and Minnesota

Census figure	Cottage Grove	Washington County	Minnesota
Residents 85 or older	1.6%	1.8%	2.1%
Residents 65+ in households who live alone	22%	26%	30%
Residents 65+ with a disability	27%	27%	28%
Residents 65+ below the poverty line (approx.)	9.8%	6.7%	8.8%
Residents 65 or older	14%	17%	17%
Residents 5+ who speak a language other than English at home	15%	12%	12%
Median income, households headed by someone 65+	$79,332	$75,658	—

Older residents in towns around Cottage Grove

Town	Distance	Residents 65+	Residents 85+
St. Paul Park, MN	4.2 mi	721	115
Newport, MN	5.9 mi	732	160
Hastings, MN	6.4 mi	4,383	571
Woodbury, MN	6.4 mi	10,738	904
Inver Grove Heights, MN	7.2 mi	6,440	671
Prescott, WI	7.4 mi	884	64

Emergency hospitals near Cottage Grove

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
M Health Fairview Woodwinds Hospital	Woodbury, MN	7.5 mi	4 of 5	(651) 232-2185
Regions Hospital	Saint Paul, MN	13 mi	3 of 5	(651) 254-1616
Allina United Hospital	Saint Paul, MN	13 mi	3 of 5	(651) 241-8000

Straight-line miles from the center of Cottage Grove. 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 Cottage Grove

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $18.45 an hour (the Minnesota median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,998 a month (60% of the $6,611 monthly median income of Cottage Grove households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $13,432 a month (203% of the $6,611 monthly median income of Cottage Grove households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Minnesota's minimum wage is $11.41 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 Cottage Grove: common questions

Where is the nearest emergency hospital to Cottage Grove?

M Health Fairview Woodwinds Hospital in Woodbury, about 7.5 mi in a straight line from the center of Cottage Grove (Medicare hospital file). Its listed phone number is (651) 232-2185. In an emergency, call 911.

How much does live-in care cost in Cottage Grove?

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $18.45 an hour (the Minnesota median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,998 a month (60% of the $6,611 monthly median income of Cottage Grove households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $13,432 a month (203% of the $6,611 monthly median income of Cottage Grove households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Minnesota's minimum wage is $11.41 an hour (U.S. Department of Labor table, updated July 1, 2026).

Live-in or 24-hour care in Cottage Grove?

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 Cottage Grove 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 Cottage Grove

More senior care near Cottage Grove

Live-In Caregivers in nearby cities

Other care in Cottage Grove

More for Cottage Grove 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 Cottage Grove, MN