In-home care in Cambridge, MA runs about $3,465/month at 20 hours a week, a typical starting tier for a new client. Full-time care at 44 hours a week (the survey standard) runs $7,623/month, below the Massachusetts state median.
Based on 2025 survey data.
Starting tier, Cambridge
$3,465/mo
About 20 hours a week: a common starting point for a new home-care client
Full-time care (44 hrs/week, survey standard)
$7,623/mo
Typical range $7,373 – $8,268
● Cambridge $7,623 at 44 hrs/wk ○ National median $6,848 at 44 hrs/wk
Medians with each area's position against the national figure. Bars are drawn to scale.
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Open the in-home care directory for Cambridge for the full provider table.
Why is this number different on other sites? Other sites may use a different survey year, an average instead of a median, or a narrower sample of providers. Every figure on this page states its source and period so you can compare like with like. We don't yet publish a room-type/care-level breakdown for Cambridge; our cost model currently reports a single blended range.
What drives in-home care cost in Cambridge?
The published in-home care median is an agency-billed estimate, not the take-home wage of the caregiver who shows up. Here is the honest spread when we can cite both sides.
Agency billed (implied hourly)
$40/hr
From $7,623/mo at the survey standard of 44 hours/week.
BLS caregiver wage (metro)
$20/hr
Median for SOC 31-1120 in Boston-Cambridge-Newton, MA-NH (May 2025), about $40,910/year.
The gap of about $20/hour typically covers employer payroll taxes, workers' compensation and liability insurance, training and supervision, backup coverage when a caregiver calls out, scheduling overhead, and agency margin. It is not pure profit, and it is not the caregiver's paycheck.
Compare in-home care costs
Uses the published medians on this page; never a guessed number. Toggle units, compare two locations, and see an illustrative future projection.
Cambridge, MA
$3,812/mo/mo
Based on 2025 survey data.
Massachusetts median
$3,814/mo/mo
Need a different pair of places? Open the full cost calculator. Not sure which care type? Take the care quiz.
Every family starts with a number. Here's what different monthly budgets realistically cover in Cambridge, grounded in local medians on this page.
If the full private-pay number is out of reach, these are the honest next doors to check before you stretch a budget that cannot hold.
The default payer for most families at the start, especially for assisted living and in-home care. Often combined with a second source once savings run low.
Pays toward care costs if a policy was purchased in advance, usually years before care is needed. Policy terms (daily/monthly benefit caps, elimination periods) vary widely. Check the policy documents directly.
Covers nursing home care in every state, and many states offer Home & Community-Based Services (HCBS) waivers that extend Medicaid to assisted living or in-home care. Eligibility rules and waiver availability are state-specific.
An added benefit on top of a VA pension for eligible wartime veterans (or surviving spouses) who need help with daily activities. Requires meeting service, income, and care-need criteria.
Does not cover long-term custodial care (help with daily living). It can cover short-term skilled nursing or home health following a qualifying hospital stay, under specific conditions.
Some states let an eligible parent hire a family caregiver through a self-directed Medicaid option. See Can I get paid to care for my parent in Massachusetts?
Free national starting points. Official sites only; we do not scrape these directories.
Free nationwide connection to local aging services.
Local health and human services referrals.
Screen for benefits you may qualify for.
ACL Disability Information and Access Line.
Veterans health care and long-term care programs.
Cite this page
Cite this: According to ElderCareCosts' 2026 index, in-home care in Cambridge, MA costs $7,623/month (median, 2025 data) at the 44-hour-a-week survey standard.
Journalists and researchers: reuse with attribution, no permission needed. Methodology · Data sources · Corrections
About $3,465/month at 20 hours a week, a typical starting tier for a new client. Full-time care at 44 hours a week (the survey standard) runs a median $7,623/month (range $7,373–$8,268). Based on 2025 survey data.
We start from a published state or metro median, cited on this page, and adjust using local cost-of-living and wage data. We publish the methodology version alongside every figure.
Yes. Use the CSV download link on this page for a machine-readable file of the exact figures shown above.
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Reading up first? In-Home Care across Massachusetts → · In-Home Care directory for Cambridge → · Adult Day Care vs In-Home Care →
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