Live-In Caregivers in St. Joseph, IL: 24-Hour Home Care

Local figures

Live-In Caregivers in St. Joseph, IL: the local picture

12

residents 85 or older (0.3% of all residents)

358

households headed by someone 65+ own their home (82%)

89%

of St. Joseph homes have 3 or more bedrooms (58% in Champaign County)

$15.00

Illinois minimum wage per hour

About 12 St. Joseph 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. 89% of homes in St. Joseph have three or more bedrooms (58% in Champaign County); the median home has 6.4 rooms.

Of St. Joseph households headed by someone 65 or older, 358 own their home and 81 rent. Renters should check that the lease allows another adult to live in before anyone moves in.

St. Joseph compared with Champaign County and Illinois

Census figure	St. Joseph	Champaign County	Illinois
Residents 85 or older	0.3%	1.5%	2.0%
Residents 65+ in households who live alone	48%	30%	30%
Residents 65+ with a disability	27%	27%	32%
Residents 65+ below the poverty line (approx.)	20%	8.4%	10%
Residents 65 or older	16%	14%	17%
Residents 5+ who speak a language other than English at home	4.9%	19%	24%
Median income, households headed by someone 65+	$60,156	$65,919	—

Older residents in towns around St. Joseph

Town	Distance	Residents 65+	Residents 85+
Urbana, IL	8.6 mi	4,532	707
Savoy, IL	12 mi	1,740	324
Champaign, IL	13 mi	9,854	949
Rantoul, IL	14 mi	1,812	212
Tolono, IL	15 mi	460	44
Mahomet, IL	19 mi	1,208	51

Emergency hospitals near St. Joseph

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
Carle Foundation Hospital	Urbana, IL	8.9 mi	2 of 5	(217) 383-3311
Osf Heart Of Mary Medical Center	Urbana, IL	8.9 mi	3 of 5	(217) 337-2000
Osf Sacred Heart Medical Center	Danville, IL	22 mi	2 of 5	(217) 443-5000

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

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $18.30 an hour (the Illinois median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,965 a month (79% of the $5,013 monthly median income of St. Joseph households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $13,322 a month (266% of the $5,013 monthly median income of St. Joseph households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Illinois'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 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 St. Joseph: common questions

Where is the nearest emergency hospital to St. Joseph?

Carle Foundation Hospital in Urbana, about 8.9 mi in a straight line from the center of St. Joseph (Medicare hospital file). Its listed phone number is (217) 383-3311. In an emergency, call 911.

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

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $18.30 an hour (the Illinois median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,965 a month (79% of the $5,013 monthly median income of St. Joseph households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $13,322 a month (266% of the $5,013 monthly median income of St. Joseph households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Illinois'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 St. Joseph?

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. Joseph 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. Joseph

More senior care near St. Joseph

Live-In Caregivers in nearby cities

Other care in St. Joseph

More for St. Joseph 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. Joseph, IL