Live-In Caregivers in Waterloo, WI: 24-Hour Home Care

Local figures

Live-In Caregivers in Waterloo, WI: the local picture

89

residents 85 or older (2.5% of all residents)

357

households headed by someone 65+ own their home (83%)

57%

of Waterloo homes have 3 or more bedrooms (68% in Jefferson County)

$7.25

Wisconsin minimum wage per hour

About 89 Waterloo 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. 57% of homes in Waterloo have three or more bedrooms (68% in Jefferson County), while 5.5% have one bedroom or none, where live-in care rarely works; the median home has 5.4 rooms.

Of Waterloo households headed by someone 65 or older, 357 own their home and 72 rent; among householders 85 and older it is 89 owners and 0 renters. Renters should check that the lease allows another adult to live in before anyone moves in.

Waterloo compared with Jefferson County and Wisconsin

Census figure	Waterloo	Jefferson County	Wisconsin
Residents 85 or older	2.5%	1.5%	2.1%
Residents 65+ in households who live alone	36%	30%	30%
Residents 65+ with a disability	41%	27%	28%
Residents 65+ below the poverty line (approx.)	16%	8.2%	9.1%
Residents 65 or older	17%	19%	19%
Residents 5+ who speak a language other than English at home	14%	6.3%	9.0%
Median income, households headed by someone 65+	$53,859	$59,050	—

Older residents in towns around Waterloo

Town	Distance	Residents 65+	Residents 85+
Marshall, WI	3.8 mi	389	18
Lake Mills, WI	8.4 mi	1,189	102
Deerfield, WI	10 mi	293	22
Columbus, WI	11 mi	844	97
Sun Prairie, WI	12 mi	5,317	921
Cottage Grove, WI	13 mi	1,006	109

Emergency hospitals near Waterloo

Hospital with an emergency department	Town	Distance	CMS overall rating	Phone
Columbus Community Hospital	Columbus, WI	10 mi	4 of 5	(920) 623-2200
Watertown Memorial Hospital	Watertown, WI	15 mi	3 of 5	(920) 261-4210
Fort Memorial Hospital	Fort Atkinson, WI	19 mi	4 of 5	(920) 568-5000

Straight-line miles from the center of Waterloo. 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 Waterloo

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $17.47 an hour (the Wisconsin median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,785 a month (84% of the $4,488 monthly median income of Waterloo households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $12,718 a month (283% of the $4,488 monthly median income of Waterloo households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Wisconsin'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 IRIS in Wisconsin: how a family member gets paid as a 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 Waterloo: common questions

Where is the nearest emergency hospital to Waterloo?

Columbus Community Hospital in Columbus, about 10 mi in a straight line from the center of Waterloo (Medicare hospital file). Its listed phone number is (920) 623-2200. In an emergency, call 911.

How much does live-in care cost in Waterloo?

Live-in pay is often agreed by the day or week, but every hour worked counts toward minimum wage. At $17.47 an hour (the Wisconsin median aide wage), a live-in caregiver paid for 50 hours a week costs about $3,785 a month (84% of the $4,488 monthly median income of Waterloo households headed by someone 65+). Round-the-clock shift care, 168 paid hours a week across two or three caregivers, comes to about $12,718 a month (283% of the $4,488 monthly median income of Waterloo households headed by someone 65+). Private rates are agreed with the caregiver, and overtime rules can add to both. Wisconsin'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 Waterloo?

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 Waterloo 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 Waterloo

More senior care near Waterloo

Live-In Caregivers in nearby cities

Other care in Waterloo

More for Waterloo 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 Waterloo, WI