Updated October 2026 · Fraser Bond
Care · At home
Paying for care at home
Needsassessment
Meanstest
Homenot counted
BenefitsAttendance Allowance
In short: If you need help at home, start with a free needs assessment from your council. If you're eligible, a financial assessment decides how much you pay. For care at home, the value of the home you live in isn't counted, but savings and income are; with capital above £23,250 you usually pay the full cost. You must be left with a minimum income. Attendance Allowance or Personal Independence Payment can help with costs, and you can receive direct payments to arrange your own carers. NHS continuing healthcare may fund care for people with a primary health need.
Frequently asked questions
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Is my house counted for home care?
No, not the home you live in.
What is the upper capital limit?
£23,250 in England.
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