Live-In Caregivers in Osage Beach, MO: 24-Hour Home Care

Local figures

Live-In Caregivers in Osage Beach, MO: the local picture

182

residents 85 or older (3.7% of all residents)

845

households headed by someone 65+ own their home (79%)

60%

of Osage Beach homes have 3 or more bedrooms (74% in Camden County)

$15.00

Missouri minimum wage per hour

About 182 Osage Beach 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. 60% of homes in Osage Beach have three or more bedrooms (74% in Camden County), while 9.2% have one bedroom or none, where live-in care rarely works; the median home has 5 rooms.

Of Osage Beach households headed by someone 65 or older, 845 own their home and 225 rent; among householders 85 and older it is 116 owners and 38 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

Osage Beach compared with Camden County and Missouri

Census figure	Osage Beach	Camden County	Missouri
Residents 85 or older	3.7%	2.7%	2.0%
Residents 65+ in households who live alone	36%	21%	30%
Residents 65+ with a disability	31%	32%	34%
Residents 65+ below the poverty line (approx.)	10%	10%	10%
Residents 65 or older	33%	30%	18%
Residents 5+ who speak a language other than English at home	6.3%	3.9%	6.7%
Median income, households headed by someone 65+	$40,294	$53,061	—

Older residents in towns around Osage Beach

Town	Distance	Residents 65+	Residents 85+
Camdenton, MO	10 mi	457	79
Eldon, MO	15 mi	1,058	192
Versailles, MO	23 mi	715	130
Waynesville, MO	32 mi	934	213
Lebanon, MO	32 mi	2,587	449
California, MO	34 mi	862	142

Emergency hospitals near Osage Beach

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
Lake Regional Health System	Osage Beach, MO	1.1 mi	3 of 5	(573) 348-8000
Mercy Hospital Lebanon	Lebanon, MO	31 mi	4 of 5	(417) 533-6100
Ssm Health St. Mary's Hospital - Jefferson City	Jefferson City, MO	38 mi	3 of 5	(573) 681-3000

Straight-line miles from the center of Osage Beach. 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 Osage Beach

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $15.90 an hour (the Missouri median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,445 a month (103% of the $3,358 monthly median income of Osage Beach households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $11,575 a month (345% of the $3,358 monthly median income of Osage Beach households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Missouri's minimum wage is $15.00 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 Consumer Directed Services in Missouri: how a relative becomes a paid caregiver.

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 Osage Beach: common questions

Where is the nearest emergency hospital to Osage Beach?

Lake Regional Health System in Osage Beach, about 1.1 mi in a straight line from the center of Osage Beach (Medicare hospital file). Its listed phone number is (573) 348-8000. In an emergency, call 911.

How much does live-in care cost in Osage Beach?

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $15.90 an hour (the Missouri median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,445 a month (103% of the $3,358 monthly median income of Osage Beach households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $11,575 a month (345% of the $3,358 monthly median income of Osage Beach households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Missouri's minimum wage is $15.00 an hour (U.S. Department of Labor table, updated July 1, 2026).

Live-in or 24-hour care in Osage Beach?

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 Osage Beach 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 Osage Beach

More senior care near Osage Beach

Live-In Caregivers in nearby cities

Other care in Osage Beach

More for Osage Beach 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 Osage Beach, MO