Live-In Caregivers in Ludington, MI: 24-Hour Home Care

Local figures

Live-In Caregivers in Ludington, MI: the local picture

358

residents 85 or older (4.7% of all residents)

1,034

households headed by someone 65+ own their home (66%)

53%

of Ludington homes have 3 or more bedrooms (65% in Mason County)

$13.73

Michigan minimum wage per hour

About 358 Ludington 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. 53% of homes in Ludington have three or more bedrooms (65% in Mason County), while 17% have one bedroom or none, where live-in care rarely works; the median home has 5.8 rooms.

Of Ludington households headed by someone 65 or older, 1,034 own their home and 540 rent; among householders 85 and older it is 116 owners and 110 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

Ludington compared with Mason County and Michigan

Census figure	Ludington	Mason County	Michigan
Residents 85 or older	4.7%	2.9%	2.1%
Residents 65+ in households who live alone	44%	30%	29%
Residents 65+ with a disability	37%	33%	32%
Residents 65+ below the poverty line (approx.)	9.4%	9.6%	9.9%
Residents 65 or older	30%	26%	19%
Residents 5+ who speak a language other than English at home	4.9%	3.3%	10%
Median income, households headed by someone 65+	$41,823	$51,773	—

Older residents in towns around Ludington

Town	Distance	Residents 65+	Residents 85+
Manistee, MI	21 mi	1,574	105
Shelby, MI	24 mi	320	30
Montague, MI	38 mi	486	37
Whitehall, MI	39 mi	703	126
Fremont, MI	42 mi	1,078	95
Reed City, MI	47 mi	528	49

Emergency hospitals near Ludington

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
Corewell Health Ludington Hospital	Ludington, MI	0.8 mi	4 of 5	(231) 843-2591
Mercy Health Lakeshore Campus	Shelby, MI	25 mi	not rated	(231) 861-2156
Munson Healthcare Manistee Hospital	Manistee, MI	25 mi	4 of 5	(231) 398-1000

Straight-line miles from the center of Ludington. 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 Ludington

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $16.83 an hour (the Michigan median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,646 a month (105% of the $3,485 monthly median income of Ludington households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $12,252 a month (352% of the $3,485 monthly median income of Ludington households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Michigan's minimum wage is $13.73 an hour (U.S. Department of Labor table, updated July 1, 2026), rising to $15.00 on January 1, 2027.

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 Ludington: common questions

Where is the nearest emergency hospital to Ludington?

Corewell Health Ludington Hospital in Ludington, about 0.8 mi in a straight line from the center of Ludington (Medicare hospital file). Its listed phone number is (231) 843-2591. In an emergency, call 911.

How much does live-in care cost in Ludington?

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $16.83 an hour (the Michigan median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,646 a month (105% of the $3,485 monthly median income of Ludington households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $12,252 a month (352% of the $3,485 monthly median income of Ludington households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Michigan's minimum wage is $13.73 an hour (U.S. Department of Labor table, updated July 1, 2026), rising to $15.00 on January 1, 2027.

Live-in or 24-hour care in Ludington?

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 Ludington 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 Ludington

More senior care near Ludington

Live-In Caregivers in nearby cities

Other care in Ludington

More for Ludington 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 Ludington, MI