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

Local figures

Live-In Caregivers in Mount Sterling, KY: the local picture

134

residents 85 or older (1.8% of all residents)

519

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

53%

of Mount Sterling homes have 3 or more bedrooms (69% in Montgomery County)

$7.25

Kentucky minimum wage per hour

About 134 Mount Sterling 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 Mount Sterling have three or more bedrooms (69% in Montgomery County), while 17% have one bedroom or none, where live-in care rarely works; the median home has 5.2 rooms.

Of Mount Sterling households headed by someone 65 or older, 519 own their home and 263 rent; among householders 85 and older it is 59 owners and 37 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

Mount Sterling compared with Montgomery County and Kentucky

Census figure	Mount Sterling	Montgomery County	Kentucky
Residents 85 or older	1.8%	1.5%	1.7%
Residents 65+ in households who live alone	34%	26%	30%
Residents 65+ with a disability	54%	54%	39%
Residents 65+ below the poverty line (approx.)	17%	19%	13%
Residents 65 or older	15%	17%	17%
Residents 5+ who speak a language other than English at home	2.3%	4.2%	6.8%
Median income, households headed by someone 65+	$45,515	$44,116	—

Older residents in towns around Mount Sterling

Town	Distance	Residents 65+	Residents 85+
Winchester, KY	14 mi	3,498	304
Stanton, KY	16 mi	521	59
Paris, KY	20 mi	1,741	191
Irvine, KY	26 mi	498	83
Flemingsburg, KY	27 mi	687	117
Lexington, KY	28 mi	47,626	4,848

Emergency hospitals near Mount Sterling

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
Saint Joseph Mount Sterling	Mount Sterling, KY	0.9 mi	4 of 5	(859) 497-5018
Clark Regional Medical Center	Winchester, KY	14 mi	3 of 5	(859) 737-8559
Bourbon Community Hospital	Paris, KY	19 mi	2 of 5	(859) 987-3600

Straight-line miles from the center of Mount Sterling. 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 Mount Sterling

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 (100% of the $3,793 monthly median income of Mount Sterling 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 (336% of the $3,793 monthly median income of Mount Sterling 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 Mount Sterling: common questions

Where is the nearest emergency hospital to Mount Sterling?

Saint Joseph Mount Sterling in Mount Sterling, about 0.9 mi in a straight line from the center of Mount Sterling (Medicare hospital file). Its listed phone number is (859) 497-5018. In an emergency, call 911.

How much does live-in care cost in Mount Sterling?

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 (100% of the $3,793 monthly median income of Mount Sterling 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 (336% of the $3,793 monthly median income of Mount Sterling 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 Mount Sterling?

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 Mount Sterling 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 Mount Sterling

More senior care near Mount Sterling

Live-In Caregivers in nearby cities

Other care in Mount Sterling

More for Mount Sterling 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 Mount Sterling, KY