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

Local figures

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

193

residents 85 or older (0.7% of all residents)

1,580

households headed by someone 65+ own their home (92%)

85%

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

$7.25

Kentucky minimum wage per hour

About 193 Independence 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. 85% of homes in Independence have three or more bedrooms (63% in Kenton County); the median home has 6.7 rooms.

Of Independence households headed by someone 65 or older, 1,580 own their home and 129 rent; among householders 85 and older it is 103 owners and 14 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

Independence compared with Kenton County and Kentucky

Census figure	Independence	Kenton County	Kentucky
Residents 85 or older	0.7%	1.5%	1.7%
Residents 65+ in households who live alone	16%	29%	30%
Residents 65+ with a disability	28%	34%	39%
Residents 65+ below the poverty line (approx.)	8.6%	11%	13%
Residents 65 or older	11%	16%	17%
Residents 5+ who speak a language other than English at home	3.9%	5.5%	6.8%
Median income, households headed by someone 65+	$60,905	$53,712	—

Older residents in towns around Independence

Town	Distance	Residents 65+	Residents 85+
Edgewood, KY	3.6 mi	2,134	166
Elsmere, KY	3.9 mi	1,098	63
Taylor Mill, KY	4.4 mi	1,161	133
Crestview Hills, KY	4.8 mi	611	77
Lakeside Park, KY	5.4 mi	505	8
Covington, KY	5.6 mi	6,003	595

Emergency hospitals near Independence

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
St Elizabeth Edgewood	Edgewood, KY	5.1 mi	5 of 5	(859) 301-2000
St Elizabeth Florence	Florence, KY	5.7 mi	3 of 5	(859) 212-5220
St Elizabeth Ft Thomas	Fort Thomas, KY	9.8 mi	5 of 5	(859) 572-3100

Straight-line miles from the center of Independence. 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 Independence

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 (75% of the $5,075 monthly median income of Independence 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 (251% of the $5,075 monthly median income of Independence 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 Independence: common questions

Where is the nearest emergency hospital to Independence?

St Elizabeth Edgewood in Edgewood, about 5.1 mi in a straight line from the center of Independence (Medicare hospital file). Its listed phone number is (859) 301-2000. In an emergency, call 911.

How much does live-in care cost in Independence?

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 (75% of the $5,075 monthly median income of Independence 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 (251% of the $5,075 monthly median income of Independence 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 Independence?

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 Independence 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 Independence

More senior care near Independence

Live-In Caregivers in nearby cities

Other care in Independence

More for Independence 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 Independence, KY