Operations
Home Care Rates by State: Private Pay and Medicaid
Non-medical home care cost a median $35 an hour in 2025. What drives state differences, what Medicaid pays for personal care in four states, and how to price your agency.
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Non-medical in-home care in Mississippi cost a median of $24 an hour in 2025, according to the CareScout Cost of Care Survey, against $35 nationally.
| Measure | Mississippi | United States |
|---|---|---|
| Median hourly cost, non-medical in-home care | $24 | $35 |
| Caregiver wage, mean hourly (BLS) | $12.20 | — |
CareScout's 2025 survey reports homemaker and home health aide services together as non-medical in-home care. In Mississippi the median price is 2.0 times the average caregiver wage.
Home health and personal care aides in Mississippi earned a median of $11.47 an hour in May 2025, according to the Bureau of Labor Statistics. The lowest-paid tenth earned under $10.52 and the highest-paid tenth over $14.24. See pay in Mississippi's largest metro areas.
Mississippi's minimum wage is $7.25 an hour. No state minimum wage law; the federal $7.25 applies.
Overtime rules are on the Mississippi overtime and minimum wage page.
Enough to cover fully loaded caregiver labor, overhead and a margin. Starting from the Mississippi median aide wage of $11.47, with a 20% payroll burden, 5% paid time off and training, 5% unbilled travel, 5% overtime, 25% overhead and a 10% margin, the calculator below gives about $24.12 an hour. Change any number to match your agency.
Labor cost per billed hour is the pay rate, plus half the overtime share for time-and-a-half, plus payroll burden, divided by the share of paid hours you can bill. The bill rate is labor divided by one minus overhead and margin when overhead is a share of revenue, or labor plus overhead divided by one minus margin when it is dollars per hour. The bill rate to test starts at the Mississippi median price, so you can see the margin a typical rate leaves.
If you budget overhead as an annual figure, the bill rate calculator spreads it over your billable hours instead. Both are estimates for planning, not pricing or wage-and-hour advice.
Operations
Non-medical home care cost a median $35 an hour in 2025. What drives state differences, what Medicaid pays for personal care in four states, and how to price your agency.
Operations
Build your private-pay hourly rate from caregiver wage, payroll burden, unpaid-but-paid time, overhead and margin. Worked example and national benchmarks.
Operations
Bill rate = loaded wage plus overhead, divided by one minus your margin. The formula, a quick table by wage, the payroll taxes behind it, and where shortcuts mislead.
Operations
Raise private-pay rates when costs rise, give at least 30 days' written notice (60 in Connecticut), explain the reason in one sentence. Sample letter included.
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