What Care Costs

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England · 2026/27 rates

What a care home costs, and who decides it

Not a national average. The actual rates 10 councils have published for this financial year, each with its source and the date we checked it.

There are two prices for the same room. Councils publish between £768 and £1,090 a week for a standard residential place in 2026/27. A family paying for itself is almost always quoted more — the Competition and Markets Authority found self-funders pay around 40% more than councils for the same care.

Lowest published rate£768Hertfordshire, residential
Highest published rate£1,090Hampshire, upper band
Gap between them42%same country, same year
NHS nursing contribution£267.68per week, on top

Every figure below comes from a council’s own published rate card or committee paper. Where a council has not published one, we say so rather than estimating. How we source fees.

What councils actually pay, 2026/27

These are rates for placements the council arranges. They are the firm number to negotiate against — not what a home will quote you.

CouncilResidentialDementiaNursing, with FNC
Bolton45 homes£754£838
Devon241 homes£915–£1,182
Hampshire334 homes£990–£1,090
Hertfordshire176 homes£768£919£1,149
Norfolk247 homes£867£956£1,145
Nottinghamshire205 homes£776–£868
Sandwell58 homes£775£1,043
Solihull38 homes£800£909
Suffolk166 homes£912
West Sussex268 homes£900£1,000£1,298

Where a cell is empty, the council has not published that figure separately. We do not fill gaps with estimates. Each council page carries the full rate card and a link to the source.

Why there is no such thing as “the average council rate”

Comparison sites publish one number per council. Having read the actual rate cards, we can tell you that number often does not exist. Councils use four incompatible models:

A flat rate per type of care
Hertfordshire, Norfolk, Suffolk, Sandwell, Solihull
Bands set by the person’s level of need
Hampshire, West Sussex
Bands set by the quality of the home
Nottinghamshire
No published rate at all — every placement negotiated
Staffordshire, Surrey
Staffordshire states plainly that it has not had set fees for care home placements for some years. Its own analysis found the gap between median fees and the average cost of new placements was 30% for residential care and 49% for standard nursing. Any site showing you a single Staffordshire figure has invented it.

Nottinghamshire is worth knowing about for a different reason: its four bands are assigned by an annual quality audit of each home, not by the resident’s needs. If the council pays a home its top band, the council has judged that home to be better. Nobody else publishes that as a quality signal.

The nursing trap: two numbers, one fee

NHS-funded nursing care is £267.68 a week from 1 April 2026. The NHS pays it straight to the nursing home, on top of the social care element, and it is not means-tested.

The problem is that councils publish it differently. Sandwell shows its nursing rate as £775.11; the home actually receives £1,042.79. Norfolk prints both figures side by side. West Sussex says its rates are “net of FNC”. A council quoting the inclusive figure looks 35% more generous than one quoting the exclusive figure, while paying exactly the same.

Ask this on the phone: is that figure before or after NHS-funded nursing care? If whoever you are speaking to does not know, the quote is not usable.

What dementia care adds

Among the councils that publish a separate dementia rate, the premium is consistent: Norfolk pays 10% more, Solihull 14%, Hertfordshire 20%. Nottinghamshire runs a separate “Dementia Quality Mark” payment worth roughly £66–£78 a week — though it is being phased out, with no new applications accepted after April 2026.

West Sussex is the clearest illustration of what dementia costs: its Band C for specialist dementia care is £1,000 a week, against £900 for Band P frailty. The care is more staff-intensive, and every council that separates the two prices it higher.

What home care costs by the hour

Where councils publish an hourly rate for care in your own home, 2026/27 figures run from £22.12 (Sandwell) to £28.00 (Hertfordshire), with Solihull at £25.84 and Nottinghamshire’s district medians between £25.94 and £27.83.

Note what that means over a week. Four one-hour visits a day at £28 is £784 a week — close to a residential place, without the accommodation. Home care is cheaper only up to a point, and that point arrives sooner than most families expect.

Five questions that change the number you are quoted

  1. What is the weekly fee, and what is not included? Chiropody, hairdressing, escorts to hospital and continence products are commonly extra.
  2. Do you charge self-funders a different rate to the council? Almost every home does. Ask for both.
  3. Is that before or after NHS-funded nursing care?
  4. When did the fee last rise, and by how much? Councils uplifted by 2.5–4.1% this April; homes often raise self-funder fees by more.
  5. What happens if the money runs out? Will you keep a resident who moves onto council funding, at the council rate? The answer decides whether a move in five years is likely.

Will the council pay any of it?

Six questions and the 2026/27 means test: the £23,250 threshold, tariff income, the 12-week property disregard and NHS-funded nursing care. It tells you what you would pay each week and what the council should cover.

Work out your contribution

Where to get advice you can rely on

We publish prices and register data. We are not an advice service, and for the decisions that follow these are the sources worth your time — all free, none of them selling you anything.

Age UK — Paying for a care home The clearest free explanation of the means test, the 12-week property disregard and deferred payment agreements. Their factsheet 10 goes further than almost anything else published. GOV.UK — charging circular, 2026/27 The primary source for this year’s figures: capital limits held again at £23,250 and £14,250, and the personal expenses allowance uprated by 3.8%. NHS — paying for your own care Written for people who will not qualify for council help: whether a home has to be sold, what equity release really involves, and which benefits are not means-tested. MoneyHelper — ways to pay care home fees Government-backed and impartial. Also explains what a specialist care fees adviser does and when paying for one is worth it. Care Act 2014 — statutory guidance What councils are actually obliged to do. Annex A covers choice of accommodation and top-up payments, the part families are most often talked past. Care Quality Commission The regulator itself. Every rating here comes from its public register, and the full inspection report is always worth reading rather than the headline word alone.

Find the homes near you

Every care home on the CQC register in the areas we cover, with its inspection rating, the date that rating was published, and the council rate for the area where we have it.

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