Live-In Caregivers in Lake Lorraine, FL: 24-Hour Home Care

Local figures

Live-In Caregivers in Lake Lorraine, FL: the local picture

124

residents 85 or older (1.8% of all residents)

749

households headed by someone 65+ own their home (90%)

82%

of Lake Lorraine homes have 3 or more bedrooms (74% in Okaloosa County)

$15.00

Florida minimum wage per hour

About 124 Lake Lorraine 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 Lake Lorraine have three or more bedrooms (74% in Okaloosa County); the median home has 6.2 rooms.

Of Lake Lorraine households headed by someone 65 or older, 749 own their home and 80 rent; among householders 85 and older it is 103 owners and 0 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

Lake Lorraine compared with Okaloosa County and Florida

Census figure	Lake Lorraine	Okaloosa County	Florida
Residents 85 or older	1.8%	1.7%	2.6%
Residents 65+ in households who live alone	31%	23%	25%
Residents 65+ with a disability	37%	35%	31%
Residents 65+ below the poverty line (approx.)	11%	8.0%	12%
Residents 65 or older	18%	17%	21%
Residents 5+ who speak a language other than English at home	16%	12%	31%
Median income, households headed by someone 65+	$77,804	$72,832	—

Older residents in towns around Lake Lorraine

Town	Distance	Residents 65+	Residents 85+
Eglin AFB, FL	1.6 mi	73	0
Ocean City, FL	2.5 mi	828	134
Fort Walton Beach, FL	3.5 mi	4,152	452
Wright, FL	4.6 mi	3,854	398
Valparaiso, FL	4.6 mi	698	89
Mary Esther, FL	5.9 mi	875	153

Emergency hospitals near Lake Lorraine

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
HCA Florida Fort Walton-Destin Hospital	Fort Walton Beach, FL	3.6 mi	3 of 5	(850) 862-1111
HCA Florida Twin Cities Hospital	Niceville, FL	7.2 mi	5 of 5	(850) 678-4131
96th Medical Group (Eglin Afb)	Eglin Afb, FL	7.3 mi	not rated	(850) 883-8600

Straight-line miles from the center of Lake Lorraine. 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 Lake Lorraine

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 (54% of the $6,484 monthly median income of Lake Lorraine 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 (182% of the $6,484 monthly median income of Lake Lorraine 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 Lake Lorraine: common questions

Where is the nearest emergency hospital to Lake Lorraine?

HCA Florida Fort Walton-Destin Hospital in Fort Walton Beach, about 3.6 mi in a straight line from the center of Lake Lorraine (Medicare hospital file). Its listed phone number is (850) 862-1111. In an emergency, call 911.

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

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 (54% of the $6,484 monthly median income of Lake Lorraine 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 (182% of the $6,484 monthly median income of Lake Lorraine 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 Lake Lorraine?

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 Lake Lorraine 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 Lake Lorraine

More senior care near Lake Lorraine

Live-In Caregivers in nearby cities

Other care in Lake Lorraine

More for Lake Lorraine 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 Lake Lorraine, FL