Live-In Caregivers in Ham Lake, MN: 24-Hour Home Care

Local figures

Live-In Caregivers in Ham Lake, MN: the local picture

74

residents 85 or older (0.4% of all residents)

1,548

households headed by someone 65+ own their home (88%)

86%

of Ham Lake homes have 3 or more bedrooms (71% in Anoka County)

$11.41

Minnesota minimum wage per hour

About 74 Ham 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. 86% of homes in Ham Lake have three or more bedrooms (71% in Anoka County); the median home has 7.6 rooms.

Of Ham Lake households headed by someone 65 or older, 1,548 own their home and 218 rent; among householders 85 and older it is 23 owners and 11 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

Ham Lake compared with Anoka County and Minnesota

Census figure	Ham Lake	Anoka County	Minnesota
Residents 85 or older	0.4%	1.3%	2.1%
Residents 65+ in households who live alone	15%	25%	30%
Residents 65+ with a disability	19%	27%	28%
Residents 65+ below the poverty line (approx.)	5.4%	7.2%	8.8%
Residents 65 or older	19%	15%	17%
Residents 5+ who speak a language other than English at home	5.3%	14%	12%
Median income, households headed by someone 65+	$74,634	$65,794	—

Older residents in towns around Ham Lake

Town	Distance	Residents 65+	Residents 85+
Columbus, MN	4.2 mi	842	15
Blaine, MN	5.8 mi	9,973	583
Andover, MN	6.9 mi	5,090	459
East Bethel, MN	6.9 mi	1,705	115
Coon Rapids, MN	7.8 mi	10,500	1,244
Circle Pines, MN	8.0 mi	875	36

Emergency hospitals near Ham Lake

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
Mercy Hospital	Coon Rapids, MN	8.7 mi	3 of 5	(762) 236-6000
Fairview Lakes Health Services	Wyoming, MN	12 mi	3 of 5	(952) 892-2101
Maple Grove Hospital	Maple Grove, MN	16 mi	5 of 5	(763) 581-1000

Straight-line miles from the center of Ham 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 Ham Lake

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 (64% of the $6,220 monthly median income of Ham Lake 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 (216% of the $6,220 monthly median income of Ham Lake 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 Ham Lake: common questions

Where is the nearest emergency hospital to Ham Lake?

Mercy Hospital in Coon Rapids, about 8.7 mi in a straight line from the center of Ham Lake (Medicare hospital file). Its listed phone number is (762) 236-6000. In an emergency, call 911.

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

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 (64% of the $6,220 monthly median income of Ham Lake 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 (216% of the $6,220 monthly median income of Ham Lake 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 Ham 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 Ham 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 Ham Lake

More senior care near Ham Lake

Live-In Caregivers in nearby cities

Other care in Ham Lake

More for Ham 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 Ham Lake, MN