Live-In Caregivers in St. Cloud, FL: 24-Hour Home Care

Local figures

Live-In Caregivers in St. Cloud, FL: the local picture

782

residents 85 or older (1.2% of all residents)

2,756

households headed by someone 65+ own their home (68%)

78%

of St. Cloud homes have 3 or more bedrooms (71% in Osceola County)

$15.00

Florida minimum wage per hour

About 782 St. Cloud 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. 78% of homes in St. Cloud have three or more bedrooms (71% in Osceola County); the median home has 5.9 rooms.

Of St. Cloud households headed by someone 65 or older, 2,756 own their home and 1,272 rent; among householders 85 and older it is 145 owners and 58 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

St. Cloud compared with Osceola County and Florida

Census figure	St. Cloud	Osceola County	Florida
Residents 85 or older	1.2%	1.3%	2.6%
Residents 65+ in households who live alone	21%	18%	25%
Residents 65+ with a disability	42%	38%	31%
Residents 65+ below the poverty line (approx.)	16%	15%	12%
Residents 65 or older	12%	13%	21%
Residents 5+ who speak a language other than English at home	44%	55%	31%
Median income, households headed by someone 65+	$44,364	$49,258	—

Older residents in towns around St. Cloud

Town	Distance	Residents 65+	Residents 85+
Buenaventura Lakes, FL	8.0 mi	4,690	303
Kissimmee, FL	9.4 mi	9,414	1,590
Meadow Woods, FL	10.0 mi	4,801	687
Southchase, FL	12 mi	2,635	193
Orlando, FL	12 mi	36,257	4,392
Hunters Creek, FL	13 mi	3,342	237

Emergency hospitals near St. Cloud

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
Orlando Health St Cloud Hospital	Saint Cloud, FL	0.9 mi	2 of 5	(407) 892-2135
HCA Florida Osceola Hospital	Kissimmee, FL	9.8 mi	2 of 5	(407) 846-2266
HCA Florida Poinciana Hospital	Kissimmee, FL	13 mi	2 of 5	(407) 530-2000

Straight-line miles from the center of St. Cloud. 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 St. Cloud

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $16.25 an hour (the Florida median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,521 a month (95% of the $3,697 monthly median income of St. Cloud households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $11,830 a month (320% of the $3,697 monthly median income of St. Cloud households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Florida's minimum wage rose to $15.00 an hour on September 30, 2026, under Article X, Section 24 of the Florida Constitution.

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 take care of a family member in Florida: SMMC LTC and the PDO.

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 St. Cloud: common questions

Where is the nearest emergency hospital to St. Cloud?

Orlando Health St Cloud Hospital in Saint Cloud, about 0.9 mi in a straight line from the center of St. Cloud (Medicare hospital file). Its listed phone number is (407) 892-2135. In an emergency, call 911.

How much does live-in care cost in St. Cloud?

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $16.25 an hour (the Florida median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,521 a month (95% of the $3,697 monthly median income of St. Cloud households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $11,830 a month (320% of the $3,697 monthly median income of St. Cloud households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Florida's minimum wage rose to $15.00 an hour on September 30, 2026, under Article X, Section 24 of the Florida Constitution.

Live-in or 24-hour care in St. Cloud?

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 St. Cloud 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 St. Cloud

More senior care near St. Cloud

Live-In Caregivers in nearby cities

Other care in St. Cloud

More for St. Cloud 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 St. Cloud, FL