St. Cloud, MN has 17 licensed in-home care agencies listed on ElderCareCosts. The median estimated cost is $8,050/mo. That's below the Minnesota state median by about 4%.
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Starting tier, St. Cloud
$3,659/mo
About 20 hours a week: a common starting point for a new home-care client
Full-time care (44 hrs/week, survey standard)
$8,050/mo
Estimated range $7,679 – $8,764
● St. Cloud $8,050 at 44 hrs/wk ○ National median $6,769 at 44 hrs/wk
2025 figures
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Home care in St. Cloud runs about $42 an hour. Here is what common schedules cost a month:
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Medicare generally does not cover long-term custodial care. Families usually combine private pay, long-term care insurance, VA Aid and Attendance, or a Medicaid waiver where they qualify. See paying for care and the state Medicaid guides.
If getting up from the toilet is the hard part, an electric toilet lift does the lifting, day or night. Sponsored
Here is what different monthly budgets cover in St. Cloud.
In-home care comes to the home, so agencies based one town over often serve St. Cloud; their licensed office is simply in a different city. These 12 are based nearby, listed by office location, nearest first. They are separate from the licensed-in-St. Cloud count above. Always confirm they cover your address.
Ordered by distance from St. Cloud, never by who pays. Office location is shown on every card. How we make money →
Between visits, a medical alert button covers the hours no one is in the house. See plans and the current offer. Sponsored
St. Cloud, in Benton County, has about 70,629 residents. About 9,413 of them (13%) are 65 or older. The median household income is $61,374.
Source: US Census BureauArea Agency on Aging serving this city.
State Long-Term Care Ombudsman program.
State Health Insurance Assistance Program (SHIP).
Statewide help for older adults, people with disabilities and caregivers.
VA Medical Center in St. Cloud.
Can help pay for care if your parent qualifies.
1 VA Community Living Center or State Veterans Home nearby.
VA Aid & Attendance overview →National helplines, including the Eldercare Locator and 211, are listed on paying for care.
Veterans & surviving spouses: VA Aid & Attendance can help wartime veterans who qualify. How Aid & Attendance works →
Based on the modeled median, in-home care in St. Cloud runs about $42 an hour. A 20-hour week runs about $3,659/month.
St. Cloud's median in home care cost is about 4% lower than the Minnesota state median.
Tell us what you need and your budget, and we will email you licensed options right away.
Reading up first? In-Home Care across Minnesota → · In-Home Care cost across Minnesota → · Adult Day Care vs In-Home Care →
Assessment scheduled this week? Print our checklist: what to ask during your in-home assessment, what to notice, and the license paperwork to request. Or email it to yourself to have it on your phone.