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

Local figures

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

269

residents 85 or older (6.1% of all residents)

524

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

41%

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

$7.25

Kentucky minimum wage per hour

About 269 Ludlow 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. 41% of homes in Ludlow have three or more bedrooms (63% in Kenton County), while 10% have one bedroom or none, where live-in care rarely works; the median home has 6 rooms.

Of Ludlow households headed by someone 65 or older, 524 own their home and 50 rent; among householders 85 and older it is 245 owners and 21 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

Ludlow compared with Kenton County and Kentucky

Census figure	Ludlow	Kenton County	Kentucky
Residents 85 or older	6.1%	1.5%	1.7%
Residents 65+ in households who live alone	69%	29%	30%
Residents 65+ with a disability	55%	34%	39%
Residents 65+ below the poverty line (approx.)	42%	11%	13%
Residents 65 or older	15%	16%	17%
Residents 5+ who speak a language other than English at home	5.1%	5.5%	6.8%

Older residents in towns around Ludlow

Town	Distance	Residents 65+	Residents 85+
Park Hills, KY	1.7 mi	404	52
Delshire, OH	2.5 mi	463	83
Crescent Springs, KY	2.8 mi	811	70
Fort Mitchell, KY	3.0 mi	974	118
Fort Wright, KY	3.0 mi	1,198	101
Villa Hills, KY	3.1 mi	1,784	172

Emergency hospitals near Ludlow

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
University Of Cincinnati Medical Center, LLC	Cincinnati, OH	3.3 mi	3 of 5	(513) 584-1000
Christ Hospital	Cincinnati, OH	3.3 mi	5 of 5	(513) 585-2000
Cincinnati Va Medical Center	Cincinnati, OH	4.0 mi	4 of 5	(513) 861-3100

Straight-line miles from the center of Ludlow. 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 Ludlow

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. Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $12,755 a month. 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 Ludlow: common questions

Where is the nearest emergency hospital to Ludlow?

University Of Cincinnati Medical Center, LLC in Cincinnati, about 3.3 mi in a straight line from the center of Ludlow (Medicare hospital file). Its listed phone number is (513) 584-1000. In an emergency, call 911.

How much does live-in care cost in Ludlow?

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. Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $12,755 a month. 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 Ludlow?

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. Choose shifts if help is needed several times a night.

More near Ludlow

More senior care near Ludlow

Live-In Caregivers in nearby cities

Other care in Ludlow

More for Ludlow 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 Ludlow, KY