Live-In Caregivers in Key Largo, FL: 24-Hour Home Care

Local figures

Live-In Caregivers in Key Largo, FL: the local picture

408

residents 85 or older (3.1% of all residents)

1,905

households headed by someone 65+ own their home (91%)

58%

of Key Largo homes have 3 or more bedrooms (48% in Monroe County)

$15.00

Florida minimum wage per hour

About 408 Key Largo 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. 58% of homes in Key Largo have three or more bedrooms (48% in Monroe County), while 8.6% have one bedroom or none, where live-in care rarely works; the median home has 4.5 rooms.

Of Key Largo households headed by someone 65 or older, 1,905 own their home and 184 rent; among householders 85 and older it is 177 owners and 0 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

Key Largo compared with Monroe County and Florida

Census figure	Key Largo	Monroe County	Florida
Residents 85 or older	3.1%	2.0%	2.6%
Residents 65+ in households who live alone	19%	25%	25%
Residents 65+ with a disability	28%	26%	31%
Residents 65+ below the poverty line (approx.)	6.9%	9.6%	12%
Residents 65 or older	27%	25%	21%
Residents 5+ who speak a language other than English at home	27%	22%	31%
Median income, households headed by someone 65+	$69,566	$71,243	—

Older residents in towns around Key Largo

Town	Distance	Residents 65+	Residents 85+
Islamorada, FL	13 mi	2,074	61
Florida City, FL	22 mi	1,496	135
Homestead, FL	24 mi	6,999	743
Leisure City, FL	26 mi	2,727	275
Naranja, FL	27 mi	1,208	71
Princeton, FL	29 mi	3,673	432

Emergency hospitals near Key Largo

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
Mariners Hospital	Tavernier, FL	10 mi	5 of 5	(305) 434-3000
Homestead Hospital	Homestead, FL	26 mi	4 of 5	(786) 243-8000
Baptist Hospital Of Miami	Miami, FL	37 mi	5 of 5	(786) 596-1960

Straight-line miles from the center of Key Largo. 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 Key Largo

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $16.25 an hour (the Florida median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,521 a month (61% of the $5,797 monthly median income of Key Largo households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $11,830 a month (204% of the $5,797 monthly median income of Key Largo households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Florida's minimum wage rose to $15.00 an hour on September 30, 2026, under Article X, Section 24 of the Florida Constitution.

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 take care of a family member in Florida: SMMC LTC and the PDO.

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 Key Largo: common questions

Where is the nearest emergency hospital to Key Largo?

Mariners Hospital in Tavernier, about 10 mi in a straight line from the center of Key Largo (Medicare hospital file). Its listed phone number is (305) 434-3000. In an emergency, call 911.

How much does live-in care cost in Key Largo?

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $16.25 an hour (the Florida median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,521 a month (61% of the $5,797 monthly median income of Key Largo households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $11,830 a month (204% of the $5,797 monthly median income of Key Largo households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Florida's minimum wage rose to $15.00 an hour on September 30, 2026, under Article X, Section 24 of the Florida Constitution.

Live-in or 24-hour care in Key Largo?

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 Key Largo 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 Key Largo

More senior care near Key Largo

Live-In Caregivers in nearby cities

Other care in Key Largo

More for Key Largo 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 Key Largo, FL