Live-In Caregivers in Troy, MO

About 289 Troy 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. 75% of homes in Troy have three or more bedrooms (79% in Lincoln County), while 7.4% have one bedroom or none, where live-in care rarely works; the median home has 5.6 rooms.

Of Troy households headed by someone 65 or older, 760 own their home and 469 rent; among householders 85 and older it is 142 owners and 61 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

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 (90% of the $3,817 monthly median income of Troy 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 (303% of the $3,817 monthly median income of Troy 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.