{"id":430,"date":"2026-09-25T10:17:07","date_gmt":"2026-09-25T10:17:07","guid":{"rendered":"https:\/\/www.yopa.co.uk\/homeowners-hub\/?p=430"},"modified":"2026-09-25T10:50:34","modified_gmt":"2026-09-25T10:50:34","slug":"paying-care-home-options","status":"publish","type":"post","link":"https:\/\/dy36.stage.yopa-dev.co.uk\/homeowners-hub\/paying-care-home-options\/","title":{"rendered":"Paying For a Care Home: What Are Your Options?"},"content":{"rendered":"\n

It can be an emotional time when you realise that either you or a loved one need long-term care. And then there\u2019s the thorny issue of cost. In this article we consider the different options for paying for a care home and alternative care arrangements that you may wish to consider. <\/p>\n\n\n\n

How are care\nhomes financed?<\/strong><\/h3>\n\n\n\n

In the UK, care\nis financed partly through local authorities and partly through private finance\n\u2013 whereby the person receiving care, or their family, pay. This is referred to\nas self-funding<\/a>. Some care homes operate on a purely\nprivate model, whereas others might only accept local authority funding. Most,\nhowever, receive a mixture of both. It depends on the model the care home\nwishes to follow.<\/p>\n\n\n\n

Local\nauthority assistance<\/strong><\/h3>\n\n\n\n

Whether you\nneed help to stay living independently at home, or to move into a supported\nliving setting like a residential or nursing home, the first port of call is to\ncontact your GP or local authority<\/a> adult social care department to arrange\na free of charge needs assessment<\/a> to confirm the level of care required. <\/p>\n\n\n\n

Once the needs\nassessment is complete, your local authority will undertake a financial assessment<\/a> to decide how much financial support\nyou are entitled to, if any. This is based on a formula that is detailed in our\nguide What happens to your home when you move into\ncare?<\/em><\/a><\/p>\n\n\n\n

Currently, in England and Northern Ireland, you will usually need to pay the full cost of your care if your savings exceed \u00a323,250. The threshold is higher in other UK nations – \u00a336,750 in Scotland and \u00a350,000 in Wales (for residential care) – although the rules and how support is calculated differ between countries.<\/p>\n\n\n\n

Typically, homeowners will have a lot more than \u00a323,250 in their home, but whether the home counts as an asset depends on who lives in it and their status. Those with a living partner will find that the home is protected while their partner is able to live in it, as is the home of anyone living with relatives over 60 years old, children under 16 or a disabled or incapacitated relative of any age.<\/p>\n\n\n\n

For any jointly held assets, only 50% is counted and the same goes for any private pensions. However, deliberately moving assets into someone else\u2019s name so that the local authority does not include them in their assessment is known as self-deprivation of assets, and councils are fairly wise to that. They can also go back to recover the asset, even if the asset has technically changed hands.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

If you don\u2019t\nqualify for local authority assistance<\/strong><\/h3>\n\n\n\n

Most people will not immediately qualify for local authority assistance, and as a result, they will need to dip into savings, rely on a loved one or sell their home. In some cases, pensions will cover the amount, which allows them to leave their house to loved ones in their will. However, this depends on the cost of care, which varies depending on the type of care needed (residential or nursing) and the area in which you live.<\/p>\n\n\n\n

In 2026, the average price for residential care is \u00a367,600 per annum, rising to \u00a378,000 for nursing care home. To put that into context, the average household income is around \u00a336,700, according to the Office for National Statistics<\/a> (ONS). For those drawing their pension, the average annual income is \u00a333,800 for pensioner couples and \u00a317,264 for individual pensioners according to the Department of Work and Pension<\/a>. <\/p>\n\n\n\n

As a result, very few people collecting a pension can afford to pay for care using their pension alone. So what alternatives are there?<\/p>\n\n\n\n

Private\nsavings<\/strong><\/h3>\n\n\n\n

Many people\nchoose to pay for care from their private savings, and this can be a practical\nroute. However, those savings can sometimes be better utilised if properly\ninvested, so you may wish to talk to an independent financial adviser before\ncommitting funds to care.<\/p>\n\n\n\n

However, if your savings run out, you will have to look at alternative means of paying for your care, unless you do not own your own home. In which case, you may then be eligible for local authority care.<\/p>\n\n\n\n

Do I need to\nsell my house?<\/strong><\/h3>\n\n\n\n

Unfortunately, there are instances where you may have to sell your house to pay for your care. If your assets put you over the threshold for local authority care, but you do not have enough liquid money to pay for care, this can sometimes be the only option \u2013 especially if you live alone. However, you may wish to use a deferred payment agreement<\/a>. This is an agreement with the local authority that they will pay your care home bills and then recoup the cost of your care from your home when you either sell it or pass away.<\/p>\n\n\n\n

A deferred payment agreement is subject to certain conditions though. You must have less than \u00a323,250 of assets if you live in England or Northern Ireland, \u00a350,000 in Wales, and \u00a321,500 in Scotland. These values exclude the value of your home.<\/p>\n\n\n\n

The rules differ in other parts of the UK. Wales and Scotland do not operate identical deferred payment schemes, and eligibility and thresholds vary depending on the local authority and type of care.<\/p>\n\n\n\n

What about\nhome-based care?<\/strong><\/h3>\n\n\n\n

Many people\nchoose home-based care because it is usually cheaper than care home fees and\nallows you to stay in your own home. It can also be increased as needed so that\nyou get help only with the things that you need assistance with, and this could\nbe for as little as a few hours a day. Home-based care is often considered an\nintermediate stage, and it might be the better option for those who are just\nstarting to struggle with day-to-day tasks.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

There is also the option of sheltered housing<\/a>, which can be rented or bought, depending on your needs. This can be a good idea for those who have specific needs, and sheltered housing that is called \u201cextra-care housing\u201d is regulated and inspected by the Care Quality Commission<\/a>. Sheltered housing provides options for living independently while still getting the care that is needed. Sheltered housing that is not extra-care housing, however, is not regulated. Always get a comprehensive breakdown of what services are included (and what is not) if you are considering sheltered housing as this differs from setting to setting.<\/p>\n\n\n\n

In general, if you are using sheltered housing, you will have to pay the rate for the property (typically as a leasehold) plus management fees. You may have to pay an exit or transfer fee too if you decide to leave the property or if you need a carer living with you. A sheltered housing purchase can also be fairly restrictive with regards to the lease<\/a>, so it\u2019s always worth getting a solicitor to go over the lease with you very carefully before you sign on the dotted line.<\/p>\n\n\n

\n
\n \n
\n
\n \"\" <\/div>\n
\n
\n Instant online valuation<\/span> <\/div>\n
\n

Get a rough estimate of your home's value now.<\/p> <\/div>\n <\/div>\n<\/div>\n <\/a>\n <\/div>\n

\n \n
\n
\n \"\" <\/div>\n
\n
\n Face-to-face valuation<\/span> <\/div>\n
\n

Book an appointment with your local Yopa agent.<\/p> <\/div>\n <\/div>\n<\/div>\n <\/a>\n <\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"

It can be an emotional time when you realise that either you or a loved one need long-term care. And then there\u2019s the thorny issue of cost. In this article we consider the different options for paying for a care home and alternative care arrangements that you may wish to consider. How are care homes<\/p>\n","protected":false},"author":4,"featured_media":711,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2,1],"tags":[],"class_list":["post-430","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-selling","category-buying"],"acf":[],"yoast_head":"\nPaying For a Care Home: What Are Your Options? - Yopa Homeowners Hub<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dy36.stage.yopa-dev.co.uk\/homeowners-hub\/paying-care-home-options\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Paying For a Care Home: What Are Your Options? - Yopa Homeowners Hub\" \/>\n<meta property=\"og:description\" content=\"It can be an emotional time when you realise that either you or a loved one need long-term care. 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