How Much Does It Cost to Go Into a Care Home? Understanding Fees, Funding and the Nynehead Court Approach
One of the most common and important questions asked by families exploring care options is: how much does it cost to go into a care home? The answer can vary depending on personal circumstances, the level of care required, the location and the type of support provided. Understanding the potential costs and funding options is essential in helping you or your loved one plan confidently and with clarity.
According to the latest figures from Age UK and Which?, the average weekly cost of residential care in the UK is around £1,200 to £1,600 per week where nursing care is also required. Costs vary by region and by the individual home’s facilities, staffing and reputation.
At Nynehead Court, residential care starts from £1,260 per week. This includes 24-hour care, accommodation, meals, housekeeping, laundry, activities and access to our 13 acres of professionally maintained gardens and parkland. For those seeking short-term respite care, fees begin from £1,500 per week, depending on the length of stay and individual care needs. These fees reflect our high standard of care, long-standing team, peaceful environment and strong reputation as one of the best care homes in Somerset.
For many families, the question of funding is as important as the cost itself. Whether you are self-funding or eligible for support, it’s important to understand how care home funding works.
If your relative has savings and assets below the threshold £23,250 (in England, as of 2024), they may be eligible for help from the local authority. The first step is to request a care needs assessment through your local council. If care is deemed necessary, a financial assessment will follow. The council may then contribute towards care costs, depending on income and assets. Even when funding is provided, you may still be expected to contribute from income such as pensions.
Some people may also choose to pay a “top-up” fee if they prefer a care home that charges more than the local authority is willing to fund. This must usually be paid by a third party (such as a family member) rather than by the person receiving care.
If assets exceed the threshold, individuals will usually need to pay their own care fees. This can be done through regular income, savings, or through releasing funds from property. Some families choose to sell the family home, while others consider alternative approaches such as equity release or letting the property to generate income. There are also financial products designed for this stage of life, including care fee annuities or investment-based options. These should always be explored with advice from an independent financial adviser who is regulated and experienced in later-life financial planning.
In some situations, where care is required due to a complex medical condition, NHS Continuing Healthcare may be available. This is fully funded by the NHS and covers the full cost of care and accommodation. It is relatively rare and eligibility is subject to a detailed assessment process carried out by a multidisciplinary team.
Those living in a care home may still be entitled to certain benefits, including Attendance Allowance, depending on their circumstances. This can help cover additional personal costs and is not means-tested. Other benefits, such as Pension Credit, may also be available and should be reviewed as part of the financial planning process.
At Nynehead Court, we welcome both privately funded residents and those supported by local authorities, subject to the needs assessment and care requirements. Our admissions team is always happy to explain what is included in our weekly fee, and to provide guidance on next steps. We are committed to offering clarity, kindness and practical help at every stage of the journey into care.
All residents receive a full care assessment prior to admission, which ensures that our team can meet individual needs safely and comfortably. Once settled in, every resident is supported by an experienced and consistent care team, with access to enriching activities, tailored support and a beautiful home environment. Respite stays are also available for families seeking short-term support or trial periods.
The cost of going into a care home is a significant consideration, but it is also an investment in quality of life, safety, and personal wellbeing. The right care home offers much more than daily support, as it provides companionship, security, and a sense of place at a time when these things matter most.
Every situation is different, and financial planning for care is complex. We always recommend that families seek advice from a qualified, independent financial adviser who can provide detailed, regulated guidance specific to your needs and circumstances. This article is for general information only and should not be considered financial advice. To find out more about life at Nynehead Court and to arrange a personal visit, please contact us. We would be delighted to talk with you and help you explore your options.