Paying for Care

In England, social care is usually not free, and costs depend on your care needs, income, savings, and whether you qualify for council or NHS support. 

If you need care to stay living at home, or a short-term or temporary stay in a care home, the assessment won't include the value of the property you live in. 

If you need to move permanently into residential care, the assessment may include the value of your property. However, in certain circumstances your property will be ignored, for example if your partner still lives there.

As a rough guide if you have more than £30,000 in savings then you will be responsible for paying for your own care.   This means that you can choose the service that best suits you.  If you have around this amount, please ensure you get a financial assessment from Social Services so that they can take on providing care when your savings go below the threshold. 

Age UK have more information on care costs: Paying for care | Working out the costs of elderly care | Age UK

Page last reviewed: 07 September 2026
Page created: 07 September 2026