In Naperville, in-home care does not have one universal hourly price. Local marketplace data shows an average starting rate of $23.61 per hour, while the 2025 Illinois median for a non-medical caregiver is $36 per hour. Use roughly $24 to $36 per hour as a planning range, then request itemized quotes for the schedule and help your family needs. These are market figures, not any one provider’s rates. (Care.com; CareScout Illinois survey results)

This article focuses on non-medical home care, not skilled nursing or home health services. In Illinois, personal-care assistance may include companionship, household help, meal preparation, errands, bathing, dressing, grooming, mobility help, transportation, and medication reminders. Skilled nursing, therapy, wound care, and medication administration are separate services. (Illinois Department on Aging)

Naperville in-home care costs at a glance

• Naperville marketplace average starting home-care rate: $23.61 per hour as of October 2026. Care.com says this figure is based on rates reported by providers listed on its site. (Care.com)
• Illinois non-medical caregiver median: $36 per hour, or about $6,864 per month for 44 hours weekly over 52 weeks. (CareScout Illinois data)

These numbers describe different things, so they should not be combined into one “average.” Care.com reports starting rates posted by providers in its Naperville marketplace. CareScout reports provider-reported median rates from its 2025 Cost of Care Survey. CareScout collected rates from July through November 2025, and its annual home-care figure assumes 44 hours of care each week for 52 weeks. (CareScout methodology)

Care.com’s Naperville starting rates also vary by service label: $23.50 per hour for companion care, $22.95 for home aides, and $22.23 for caregivers, as of October 2026. That difference is another reason an online starting rate should not be treated as an all-in agency quote. (Companion care; home aides; caregivers)

How to turn an hourly rate into a monthly budget

Use this planning formula:

Estimated monthly care cost = hourly rate × hours per week × 4.33

The 4.33 figure represents the average number of weeks in a month: 52 weeks divided by 12 months.

Hypothetical Naperville schedule

Suppose a parent needs four hours of personal care each weekday, or 20 hours weekly. At a planning range of $24 to $36 per hour, the estimated monthly cost is about $2,078 to $3,118:

$24–$36 × 20 hours × 4.33 = about $2,078–$3,118 per month

This is a planning calculation, not a quote.

The following are market-based planning figures checked in October 2026, not ComForCare Naperville & Downers Grove rates:

For planning purposes, “full-time” in-home care usually means roughly 40 to 44 scheduled care hours per week, not 24-hour coverage. At the verified Illinois median of $36 per hour, 44 hours weekly comes to about $6,864 per month. CareScout uses 44 hours weekly as its standard in-home-care assumption. (CareScout; Illinois survey results)

What can change the final quote?

The hourly rate is only one part of the budget. Ask each provider how the following affect the total:

• Care tasks: Non-medical care may include bathing, dressing, transfers, toileting, light cleaning, meal planning, and companionship. Personal-care assistance may be priced differently from homemaker support, so describe the tasks specifically. (CareScout methodology)
• Schedule: A provider may use different pricing for companion care, personal care, or respite support. If a minimum visit length applies, ask how it affects your weekly total.
• Hours and timing: Ask whether evening, weekend, holiday, overnight, transportation, or short-notice schedules change the rate. The available local data does not establish one universal Naperville differential.
• Care model: A direct hire and an agency-supported arrangement can have different responsibilities and pricing structures. Illinois explains that when an agency employs the caregiver, the agency handles background checks, training, and supervision. With a direct hire, the family takes a more active role in vetting the caregiver. (Illinois Department on Aging)

When requesting quotes, use the same schedule and task list with every provider:

“Please quote the total weekly and monthly cost for [hours/days] of non-medical care. Is there a minimum shift length? Does the rate change for evenings, weekends, holidays, or transportation? Which tasks are included? How are caregiver absences handled?”

Comparing hourly figures alone can hide differences in minimum shift length, included tasks, and scheduling assumptions.

What does in-home care cost in Downers Grove?

In Downers Grove, Care.com reports average starting rates of $21.95 per hour for senior care, $21.70 for caregivers, and $24.00 for companion care as of October 2026. The 2025 Illinois median for a non-medical caregiver is $36 per hour. (Downers Grove senior care; Downers Grove caregivers; Downers Grove companion care; CareScout Illinois data)

These are marketplace starting rates and an Illinois benchmark. They do not mean that Naperville and Downers Grove agencies charge identical rates.

Home care versus assisted living

Home care can cost less than assisted living when a family purchases limited weekly hours. That advantage can shrink or disappear as care hours approach full-time. (CareScout comparison; Illinois survey results)

CareScout’s 2025 Illinois medians were:

• Non-medical home care: $6,864 per month, based on 44 hours weekly
• Assisted living: $6,054 per month for a private one-bedroom unit

These are Illinois benchmarks, not Naperville-specific quotes. Assisted living costs are calculated for a private one-bedroom unit. (CareScout Illinois data)

A practical way to compare the options is:

• A few visits a week: Compare the selected care hours with the cost of remaining in the home.
• Forty to 44 hours weekly: Compare both options closely. The statewide benchmark suggests home care at this level may be similar to or above assisted living before household expenses are counted.
• Around-the-clock support: Do not simply multiply a daytime hourly rate and treat the result as a quote. For illustration only, $36 per hour × 24 hours × 30.4 days is roughly $26,000 per month. A 24-hour schedule generally requires multiple caregivers working shifts, so request a specific quote.
• Whole-budget comparison: Assisted living typically combines housing, meals, housekeeping, staff, and activities. Care level, apartment type, community fees, and other charges can affect the final price. With home care, the hourly service is separate from mortgage or rent, utilities, food, maintenance, and possible home modifications. (CareScout comparison)

Does Medicare pay for in-home care?

Medicare does not pay for 24-hour home care, meal delivery, homemaker services unrelated to a care plan, or custodial or personal care when that is the only help needed. Eligible people may receive part-time or intermittent skilled home-health services ordered by a clinician and delivered by a Medicare-certified agency. (Medicare.gov, coverage details checked October 2026)

For qualifying Illinois adults age 60 and older, the Community Care Program may provide in-home services with no out-of-pocket cost; eligibility rules apply. Illinois also notes that clients of Home Services Agencies typically pay out of pocket. (Illinois Department on Aging)

Veterans enrolled in VA care may qualify for Homemaker and Home Health Aide services if they are eligible for community care, meet the clinical criteria for the service, and it is available locally. (U.S. Department of Veterans Affairs, checked October 2026)

ComForCare Naperville & Downers Grove can serve veterans whose home care is covered through the VA. Coverage is decided case by case, so families should talk with the office to find out whether some or all of their care may be covered by the VA.

Long-term care insurance and the elimination period

Medicare does not cover most long-term custodial care, so some families use a private long-term care insurance policy. (Medicare.gov)

An elimination period is the number of days stated in the policy between the start of care (or the date the person qualifies) and the date benefits begin. During that period, the family typically pays for care. Check the policy for how long the elimination period is, how days are counted, the daily or monthly benefit, and which care settings are covered.

The ComForCare Naperville & Downers Grove team can help families review their long-term care policy and understand terms such as the elimination period. A policy’s terms determine whether benefits apply.

Talk through your family’s care budget

A useful quote starts with a clear schedule, task list, and estimate of weekly hours. ComForCare Naperville & Downers Grove is a local provider of non-medical in-home care. Families in Naperville, Downers Grove, and nearby communities can call (630) 536-8501 to discuss the schedule, tasks, and support their loved one needs.

Each office is independently owned and operated and is an equal opportunity employer.