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

Local figures

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

1,684

residents 85 or older (2.8% of all residents)

5,350

households headed by someone 65+ own their home (67%)

60%

of Owensboro homes have 3 or more bedrooms (69% in Daviess County)

$7.25

Kentucky minimum wage per hour

About 1,684 Owensboro 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 Owensboro have three or more bedrooms (69% in Daviess County), while 13% have one bedroom or none, where live-in care rarely works; the median home has 5.4 rooms.

Of Owensboro households headed by someone 65 or older, 5,350 own their home and 2,598 rent; among householders 85 and older it is 726 owners and 530 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

Owensboro compared with Daviess County and Kentucky

Census figure	Owensboro	Daviess County	Kentucky
Residents 85 or older	2.8%	2.0%	1.7%
Residents 65+ in households who live alone	39%	33%	30%
Residents 65+ with a disability	41%	36%	39%
Residents 65+ below the poverty line (approx.)	15%	12%	13%
Residents 65 or older	19%	18%	17%
Residents 5+ who speak a language other than English at home	8.3%	6.1%	6.8%
Median income, households headed by someone 65+	$42,967	$51,283	—

Older residents in towns around Owensboro

Town	Distance	Residents 65+	Residents 85+
Sorgho, KY	5.3 mi	269	0
Thruston, KY	5.8 mi	271	0
Masonville, KY	6.8 mi	352	0
Newburgh, IN	21 mi	857	74
Boonville, IN	22 mi	1,399	195
Tell City, IN	24 mi	1,637	277

Emergency hospitals near Owensboro

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
Owensboro Health Regional Hospital	Owensboro, KY	2.0 mi	2 of 5	(270) 417-2000
The Women's Hospital	Newburgh, IN	21 mi	5 of 5	(812) 842-4200
Ascension St Vincent Warrick	Boonville, IN	22 mi	not rated	(812) 897-4800

Straight-line miles from the center of Owensboro. 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 Owensboro

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 (106% of the $3,581 monthly median income of Owensboro 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 (356% of the $3,581 monthly median income of Owensboro 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 Owensboro: common questions

Where is the nearest emergency hospital to Owensboro?

Owensboro Health Regional Hospital in Owensboro, about 2.0 mi in a straight line from the center of Owensboro (Medicare hospital file). Its listed phone number is (270) 417-2000. In an emergency, call 911.

How much does live-in care cost in Owensboro?

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 (106% of the $3,581 monthly median income of Owensboro 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 (356% of the $3,581 monthly median income of Owensboro 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 Owensboro?

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 Owensboro 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 Owensboro

More senior care near Owensboro

Live-In Caregivers in nearby cities

Other care in Owensboro

More for Owensboro 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 Owensboro, KY