Live-In Caregivers in Terre du Lac, MO: 24-Hour Home Care

Local figures

Live-In Caregivers in Terre du Lac, MO: the local picture

32

residents 85 or older (1.3% of all residents)

317

households headed by someone 65+ own their home (93%)

76%

of Terre du Lac homes have 3 or more bedrooms (60% in St. Francois County)

$15.00

Missouri minimum wage per hour

About 32 Terre du Lac 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. 76% of homes in Terre du Lac have three or more bedrooms (60% in St. Francois County); the median home has 6.6 rooms.

Of Terre du Lac households headed by someone 65 or older, 317 own their home and 25 rent. Renters should check that the lease allows another adult to live in before anyone moves in.

Terre du Lac compared with St. Francois County and Missouri

Census figure	Terre du Lac	St. Francois County	Missouri
Residents 85 or older	1.3%	1.9%	2.0%
Residents 65+ in households who live alone	27%	30%	30%
Residents 65+ with a disability	32%	42%	34%
Residents 65+ below the poverty line (approx.)	3.2%	12%	10%
Residents 65 or older	20%	17%	18%
Residents 5+ who speak a language other than English at home	1.7%	1.3%	6.7%
Median income, households headed by someone 65+	$58,654	$43,512	—

Older residents in towns around Terre du Lac

Town	Distance	Residents 65+	Residents 85+
Bonne Terre, MO	4.3 mi	848	93
Desloge, MO	5.8 mi	968	87
Potosi, MO	8.8 mi	465	78
Park Hills, MO	8.8 mi	1,028	80
Farmington, MO	13 mi	3,359	561
De Soto, MO	17 mi	1,115	65

Emergency hospitals near Terre du Lac

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
Parkland Health Center - Bonne Terre	Bonne Terre, MO	3.7 mi	not rated	(573) 358-1400
Washington County Memorial Hospital	Potosi, MO	13 mi	not rated	(573) 438-5451
Parkland Health Center	Farmington, MO	14 mi	4 of 5	(573) 431-6005

Straight-line miles from the center of Terre du Lac. 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 Terre du Lac

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 (70% of the $4,888 monthly median income of Terre du Lac 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 (237% of the $4,888 monthly median income of Terre du Lac 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 Terre du Lac: common questions

Where is the nearest emergency hospital to Terre du Lac?

Parkland Health Center - Bonne Terre in Bonne Terre, about 3.7 mi in a straight line from the center of Terre du Lac (Medicare hospital file). Its listed phone number is (573) 358-1400. In an emergency, call 911.

How much does live-in care cost in Terre du Lac?

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 (70% of the $4,888 monthly median income of Terre du Lac 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 (237% of the $4,888 monthly median income of Terre du Lac 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 Terre du Lac?

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 Terre du Lac 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 Terre du Lac

More senior care near Terre du Lac

Live-In Caregivers in nearby cities

Other care in Terre du Lac

More for Terre du Lac 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 Terre du Lac, MO