Live-In Caregivers in St. Paul, MO: 24-Hour Home Care

Local figures

Live-In Caregivers in St. Paul, MO: the local picture

25

residents 85 or older (0.7% of all residents)

249

households headed by someone 65+ own their home (98%)

96%

of St. Paul homes have 3 or more bedrooms (77% in St. Charles County)

$15.00

Missouri minimum wage per hour

About 25 St. Paul 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. 96% of homes in St. Paul have three or more bedrooms (77% in St. Charles County); the median home has 6.4 rooms.

Of St. Paul households headed by someone 65 or older, 249 own their home and 5 rent. Renters should check that the lease allows another adult to live in before anyone moves in.

St. Paul compared with St. Charles County and Missouri

Census figure	St. Paul	St. Charles County	Missouri
Residents 85 or older	0.7%	1.7%	2.0%
Residents 65+ in households who live alone	13%	26%	30%
Residents 65+ with a disability	20%	31%	34%
Residents 65+ below the poverty line (approx.)	0.0%	6.3%	10%
Residents 65 or older	12%	17%	18%
Residents 5+ who speak a language other than English at home	1.0%	5.8%	6.7%
Median income, households headed by someone 65+	$90,313	$67,902	—

Older residents in towns around St. Paul

Town	Distance	Residents 65+	Residents 85+
O'Fallon, MO	4.6 mi	13,569	1,506
Lake St. Louis, MO	5.3 mi	3,712	270
Wentzville, MO	7.4 mi	6,519	480
Dardenne Prairie, MO	7.6 mi	1,954	154
Cottleville, MO	8.1 mi	901	26
St. Peters, MO	8.6 mi	11,461	1,401

Emergency hospitals near St. Paul

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
Ssm St Joseph Hospital West	Lake Saint Louis, MO	4.5 mi	3 of 5	(636) 625-5200
Progress West Hospital	Ofallon, MO	6.8 mi	4 of 5	(636) 344-2273
Barnes-Jewish St Peters Hospital	Saint Peters, MO	7.9 mi	3 of 5	(636) 916-9000

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

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 (46% of the $7,526 monthly median income of St. Paul 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 (154% of the $7,526 monthly median income of St. Paul 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 St. Paul: common questions

Where is the nearest emergency hospital to St. Paul?

Ssm St Joseph Hospital West in Lake Saint Louis, about 4.5 mi in a straight line from the center of St. Paul (Medicare hospital file). Its listed phone number is (636) 625-5200. In an emergency, call 911.

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

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 (46% of the $7,526 monthly median income of St. Paul 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 (154% of the $7,526 monthly median income of St. Paul 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 St. Paul?

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. Paul 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. Paul

More senior care near St. Paul

Live-In Caregivers in nearby cities

Other care in St. Paul

More for St. Paul 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. Paul, MO