Startup · 7 min read
How Much Does It Cost to Start a Home Care Agency?
A realistic 2026 budget for launching a non-medical home care agency from scratch.
Budget for the first 12 months, not just opening day.
Startup (one-time) Entity formation $200–$500. Licensing fees $500–$2,500. Policy manual $1,500–$5,000 (custom). Insurance deposit $1,000–$3,000. Branding and website $1,500–$6,000.
First-year operating Software (scheduling, EVV, billing) $200–$600/month. Insurance $200–$500/month. Office or virtual office $0–$1,200/month. Marketing $500–$2,000/month.
Working capital You will pay caregivers weekly and wait 30–60 days for Medicaid or insurance to pay. Plan for $20k–$60k of working capital depending on payer mix.
Total realistic launch budget: $35k–$90k. Done right, agencies break even within 9–14 months.
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