Live-In Caregivers in Rice Lake, MN: 24-Hour Home Care

Local figures

Live-In Caregivers in Rice Lake, MN: the local picture

19

residents 85 or older (0.5% of all residents)

560

households headed by someone 65+ own their home (94%)

73%

of Rice Lake homes have 3 or more bedrooms (58% in St. Louis County)

$11.41

Minnesota minimum wage per hour

About 19 Rice Lake 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. 73% of homes in Rice Lake have three or more bedrooms (58% in St. Louis County), while 5.4% have one bedroom or none, where live-in care rarely works; the median home has 6.2 rooms.

Of Rice Lake households headed by someone 65 or older, 560 own their home and 38 rent. Renters should check that the lease allows another adult to live in before anyone moves in.

Rice Lake compared with St. Louis County and Minnesota

Census figure	Rice Lake	St. Louis County	Minnesota
Residents 85 or older	0.5%	2.5%	2.1%
Residents 65+ in households who live alone	20%	32%	30%
Residents 65+ with a disability	19%	30%	28%
Residents 65+ below the poverty line (approx.)	20%	9.5%	8.8%
Residents 65 or older	23%	21%	17%
Residents 5+ who speak a language other than English at home	2.5%	3.2%	12%
Median income, households headed by someone 65+	$44,269	$54,929	—

Older residents in towns around Rice Lake

Town	Distance	Residents 65+	Residents 85+
Hermantown, MN	9.0 mi	1,737	331
Duluth, MN	9.3 mi	15,068	2,008
Proctor, MN	12 mi	732	130
Superior, WI	15 mi	4,778	702
Cloquet, MN	22 mi	2,175	248
Two Harbors, MN	23 mi	694	108

Emergency hospitals near Rice Lake

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
Essentia Health St Mary's Medical Center	Duluth, MN	7.8 mi	4 of 5	(218) 786-3574
St Lukes Hospital	Duluth, MN	7.8 mi	3 of 5	(218) 249-2449
St Marys Hospital Superior	Superior, WI	15 mi	not rated	(715) 817-7000

Straight-line miles from the center of Rice Lake. 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 Rice Lake

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $18.45 an hour (the Minnesota median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,998 a month (108% of the $3,689 monthly median income of Rice Lake households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $13,432 a month (364% of the $3,689 monthly median income of Rice Lake households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Minnesota's minimum wage is $11.41 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 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 Rice Lake: common questions

Where is the nearest emergency hospital to Rice Lake?

Essentia Health St Mary's Medical Center in Duluth, about 7.8 mi in a straight line from the center of Rice Lake (Medicare hospital file). Its listed phone number is (218) 786-3574. In an emergency, call 911.

How much does live-in care cost in Rice Lake?

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $18.45 an hour (the Minnesota median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,998 a month (108% of the $3,689 monthly median income of Rice Lake households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $13,432 a month (364% of the $3,689 monthly median income of Rice Lake households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Minnesota's minimum wage is $11.41 an hour (U.S. Department of Labor table, updated July 1, 2026).

Live-in or 24-hour care in Rice Lake?

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 Rice Lake 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 Rice Lake

More senior care near Rice Lake

Live-In Caregivers in nearby cities

Other care in Rice Lake

More for Rice Lake 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 Rice Lake, MN