Live-In Caregivers in Covington, KY: 24-Hour Home Care

Local figures

Live-In Caregivers in Covington, KY: the local picture

595

residents 85 or older (1.4% of all residents)

2,274

households headed by someone 65+ own their home (56%)

39%

of Covington homes have 3 or more bedrooms (63% in Kenton County)

$7.25

Kentucky minimum wage per hour

About 595 Covington 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. 39% of homes in Covington have three or more bedrooms (63% in Kenton County), while 27% have one bedroom or none, where live-in care rarely works; the median home has 4.9 rooms.

Of Covington households headed by someone 65 or older, 2,274 own their home and 1,763 rent; among householders 85 and older it is 184 owners and 187 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

Covington compared with Kenton County and Kentucky

Census figure	Covington	Kenton County	Kentucky
Residents 85 or older	1.4%	1.5%	1.7%
Residents 65+ in households who live alone	41%	29%	30%
Residents 65+ with a disability	40%	34%	39%
Residents 65+ below the poverty line (approx.)	16%	11%	13%
Residents 65 or older	15%	16%	17%
Residents 5+ who speak a language other than English at home	7.1%	5.5%	6.8%
Median income, households headed by someone 65+	$41,073	$53,712	—

Older residents in towns around Covington

Town	Distance	Residents 65+	Residents 85+
Fort Wright, KY	1.1 mi	1,198	101
Fort Mitchell, KY	2.1 mi	974	118
Wilder, KY	2.1 mi	604	16
Taylor Mill, KY	2.1 mi	1,161	133
Park Hills, KY	2.3 mi	404	52
Lakeside Park, KY	2.5 mi	505	8

Emergency hospitals near Covington

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
St Elizabeth Edgewood	Edgewood, KY	2.1 mi	5 of 5	(859) 301-2000
St Elizabeth Ft Thomas	Fort Thomas, KY	4.7 mi	5 of 5	(859) 572-3100
University Of Cincinnati Medical Center, LLC	Cincinnati, OH	6.4 mi	3 of 5	(513) 584-1000

Straight-line miles from the center of Covington. 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 Covington

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $17.52 an hour (the Kentucky median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,796 a month (111% of the $3,423 monthly median income of Covington households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $12,755 a month (373% of the $3,423 monthly median income of Covington households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Kentucky'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 How to get paid to care for a family member in Kentucky: Participant Directed Services.

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 Covington: common questions

Where is the nearest emergency hospital to Covington?

St Elizabeth Edgewood in Edgewood, about 2.1 mi in a straight line from the center of Covington (Medicare hospital file). Its listed phone number is (859) 301-2000. In an emergency, call 911.

How much does live-in care cost in Covington?

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $17.52 an hour (the Kentucky median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,796 a month (111% of the $3,423 monthly median income of Covington households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $12,755 a month (373% of the $3,423 monthly median income of Covington households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Kentucky'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 Covington?

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 Covington 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 Covington

More senior care near Covington

Live-In Caregivers in nearby cities

Other care in Covington

More for Covington 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 Covington, KY