One of the biggest questions families face is whether to support Mum or Dad at home or consider a move into a retirement village. Both options come with significant costs, but the way they’re structured is very different.
This blog compares in-home care pricing with retirement village costs in New Zealand, helping families make an informed choice that suits both their loved one’s needs and their budget.
The Cost of In-Home Care
Private in-home care in New Zealand is generally charged by the hour.
- Typical hourly rates: $49–$60 per hour, depending on care requirements.
- Household help and companionship sit at the lower end.
- Specialist care such as dementia support or overnight assistance is at the higher end.
The benefit is flexibility — families pay only for the hours of care needed. For example, three hours of help each morning can cost less per week than a village’s fixed weekly fee.
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The Cost of Retirement Villages
Retirement villages have a very different pricing model.
- Entry Fee (Licence to Occupy): $400,000–$800,000+ (Aged Advisor NZ).
- Weekly Fees: $100–$200+ per week (Village Guide NZ).
- Deferred Management Fee (DMF): 20–30% deducted on exit, often capped after 3–5 years.
This means families face significant upfront and exit costs, regardless of how much support is actually needed.
Side-by-Side Comparison
Why Families Prefer In-Home Care
For many, the appeal of in-home care is its financial flexibility and personal comfort:
- No six-figure entry fee.
- Care starts immediately — no long waitlists.
- Loved ones stay in the home and community they know.
- Costs scale up or down as needs change.
By contrast, retirement villages can be suitable for those seeking community living, but the long-term financial impact is often greater.
Real Family Experiences
“We cannot thank Home Carers enough, without their professional help it would not have been possible for Mum to remain at home.”
“Professional and efficient carers reduced anxiety and confusion, improving his emotional well-being. We are so aware that this was due to the care provided well above all expectations.”
These testimonials highlight how private home care can provide peace of mind at a cost that families can manage transparently.
Read more feedback or request a tailored plan.
Conclusion
When comparing costs, it’s clear:
- Retirement villages involve large entry fees, ongoing charges, and exit deductions.
- In-home care offers transparent hourly pricing ($49–$60/hr), complete flexibility, and no hidden extras.
For families weighing up the options, in-home care often proves the more cost-effective and compassionate choice — enabling loved ones to stay where they feel most comfortable.
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Or contact us to discuss tailored in-home support.