Live-In Caregivers in Warsaw, IN: 24-Hour Home Care

Local figures

Live-In Caregivers in Warsaw, IN: the local picture

381

residents 85 or older (2.3% of all residents)

1,046

households headed by someone 65+ own their home (69%)

49%

of Warsaw homes have 3 or more bedrooms (70% in Kosciusko County)

$7.25

Indiana minimum wage per hour

About 381 Warsaw 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. 49% of homes in Warsaw have three or more bedrooms (70% in Kosciusko County), while 11% have one bedroom or none, where live-in care rarely works; the median home has 5.1 rooms.

Of Warsaw households headed by someone 65 or older, 1,046 own their home and 481 rent; among householders 85 and older it is 151 owners and 78 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

Warsaw compared with Kosciusko County and Indiana

Census figure	Warsaw	Kosciusko County	Indiana
Residents 85 or older	2.3%	1.9%	1.9%
Residents 65+ in households who live alone	31%	26%	30%
Residents 65+ with a disability	41%	32%	33%
Residents 65+ below the poverty line (approx.)	11%	8.3%	9.1%
Residents 65 or older	15%	18%	17%
Residents 5+ who speak a language other than English at home	14%	13%	10%
Median income, households headed by someone 65+	$50,275	$49,865	—

Older residents in towns around Warsaw

Town	Distance	Residents 65+	Residents 85+
Winona Lake, IN	2.7 mi	788	110
Syracuse, IN	13 mi	539	83
Nappanee, IN	16 mi	964	97
North Manchester, IN	17 mi	1,155	348
Ligonier, IN	20 mi	422	34
Columbia City, IN	20 mi	1,598	296

Emergency hospitals near Warsaw

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
Kosciusko Community Hospital	Warsaw, IN	0.2 mi	4 of 5	(574) 267-3200
Parkview Whitley Hospital	Columbia City, IN	20 mi	4 of 5	(260) 248-9301
Community Hospital Of Bremen Inc	Bremen, IN	23 mi	not rated	(574) 546-2211

Straight-line miles from the center of Warsaw. 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 Warsaw

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $16.86 an hour (the Indiana median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,653 a month (87% of the $4,190 monthly median income of Warsaw households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $12,274 a month (293% of the $4,190 monthly median income of Warsaw households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Indiana's minimum wage is $7.25 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 Warsaw: common questions

Where is the nearest emergency hospital to Warsaw?

Kosciusko Community Hospital in Warsaw, about 0.2 mi in a straight line from the center of Warsaw (Medicare hospital file). Its listed phone number is (574) 267-3200. In an emergency, call 911.

How much does live-in care cost in Warsaw?

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $16.86 an hour (the Indiana median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,653 a month (87% of the $4,190 monthly median income of Warsaw households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $12,274 a month (293% of the $4,190 monthly median income of Warsaw households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Indiana's minimum wage is $7.25 an hour (U.S. Department of Labor table, updated July 1, 2026).

Live-in or 24-hour care in Warsaw?

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 Warsaw 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 Warsaw

More senior care near Warsaw

Live-In Caregivers in nearby cities

Other care in Warsaw

More for Warsaw 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 Warsaw, IN