Live-In Caregivers in Towaco, NJ: 24-Hour Home Care

Local figures

Live-In Caregivers in Towaco, NJ: the local picture

535

residents 85 or older (9.5% of all residents)

782

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

90%

of Towaco homes have 3 or more bedrooms (66% in Morris County)

$15.92

New Jersey minimum wage per hour

About 535 Towaco 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. 90% of homes in Towaco have three or more bedrooms (66% in Morris County); the median home has 7.4 rooms.

Of Towaco households headed by someone 65 or older, 782 own their home and 50 rent; among householders 85 and older it is 328 owners and 12 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

Towaco compared with Morris County and New Jersey

Census figure	Towaco	Morris County	New Jersey
Residents 85 or older	9.5%	2.6%	2.1%
Residents 65+ in households who live alone	26%	25%	27%
Residents 65+ with a disability	35%	27%	30%
Residents 65+ below the poverty line (approx.)	0.8%	7.1%	9.7%
Residents 65 or older	25%	18%	17%
Residents 5+ who speak a language other than English at home	25%	27%	33%
Median income, households headed by someone 65+	$91,786	$88,443	—

Older residents in towns around Towaco

Town	Distance	Residents 65+	Residents 85+
Lincoln Park, NJ	2.0 mi	2,503	337
Pompton Plains, NJ	3.4 mi	3,854	1,631
Boonton, NJ	3.7 mi	1,339	152
Lake Hiawatha, NJ	3.8 mi	1,853	177
Pine Brook, NJ	3.9 mi	1,161	98
Kinnelon, NJ	4.4 mi	1,671	98

Emergency hospitals near Towaco

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
Chilton Medical Center	Pompton Plains, NJ	3.4 mi	5 of 5	(973) 831-5000
Saint Clare's Hospital/ Denville Campus	Denville, NJ	7.8 mi	2 of 5	(973) 983-5569
Cooperman Barnabas Medical Center	Livingston, NJ	9.6 mi	3 of 5	(973) 322-5000

Straight-line miles from the center of Towaco. 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 Towaco

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $17.83 an hour (the New Jersey median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,863 a month (51% of the $7,649 monthly median income of Towaco households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $12,980 a month (170% of the $7,649 monthly median income of Towaco households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. New Jersey's minimum wage is $15.92 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 Towaco: common questions

Where is the nearest emergency hospital to Towaco?

Chilton Medical Center in Pompton Plains, about 3.4 mi in a straight line from the center of Towaco (Medicare hospital file). Its listed phone number is (973) 831-5000. In an emergency, call 911.

How much does live-in care cost in Towaco?

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $17.83 an hour (the New Jersey median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,863 a month (51% of the $7,649 monthly median income of Towaco households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $12,980 a month (170% of the $7,649 monthly median income of Towaco households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. New Jersey's minimum wage is $15.92 an hour (U.S. Department of Labor table, updated July 1, 2026).

Live-in or 24-hour care in Towaco?

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 Towaco 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 Towaco

More senior care near Towaco

Live-In Caregivers in nearby cities

Other care in Towaco

More for Towaco 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 Towaco, NJ