Deciding how best to support an ageing loved one can feel like one of life’s toughest choices. Do you arrange care at home, where familiar routines and surroundings bring comfort? Or is residential aged care the better option, with round-the-clock support and a built-in community?
The truth is, there’s no single “right” answer. What works for one family may not suit another. The best choice depends on health needs, lifestyle preferences, finances, and, importantly, the wishes of the person needing care. We break down the differences between home care and residential aged care, so you can feel more confident about making an informed decision.

Home care allows older people to stay in their own homes while receiving support with everyday tasks. Depending on the level of need, this might include help with cooking, cleaning, shopping, showering, medication, transport to appointments, or even nursing care. One of the biggest advantages is flexibility; you can scale services up or down as needs change. Government support is available through the Home Care Packages Program, which funds different levels of assistance depending on assessed requirements. For many, home care means staying connected to neighbours, friends, and the comfort of a familiar environment.

Residential aged care (often called “nursing homes” or “aged care homes”) provides full-time accommodation and care. These facilities are staffed 24/7 and typically include meals, laundry, personal care, medical management and access to allied health services. Many homes also offer lifestyle programs with social activities, exercise classes and outings. It’s usually considered when someone’s needs become too complex for home care, or when family members can no longer provide enough support.

Benefits of Home Care

• Independence: Staying in your own home means you set the routine and keep control over daily life.
• Familiarity: Surrounded by personal belongings and memories, many people feel more comfortable and secure.
• Flexibility: Services can be tailored, from a few hours a week to daily visits.
• Family connection: Couples can often stay together, and family members can remain closely involved.

Benefits of Residential Aged Care

• 24/7 support: Professional staff are always available, which provides peace of mind for families.
• Safety and security: Medication management, mobility assistance, and supervision reduce risks.
• Built-in community: Group activities, shared dining, and outings help reduce loneliness.
• Relief for carers: Families can take a step back from day-to-day caring and focus more on their relationship with their loved one.

Of course, both options have their drawbacks. For home care, the biggest challenge is that support is limited to scheduled visits, which may not be enough for people with complex or unpredictable needs. Social isolation can also be an issue if the person doesn’t get out often.  Homes may also require modifications, like ramps, bathroom rails, or stairlifts, to remain safe.

For residential aged care, the move can feel like a loss of independence, and adjusting to communal living isn’t always easy. Costs can also be significant, depending on the facility and level of care required.

Money plays a big part in the decision:

• Home Care: Government subsidies cover a large portion of costs through the Home Care Packages Program, but many families pay additional fees for extra services or hours.
• Residential Aged Care: Costs include accommodation payments, daily fees, and sometimes extra charges for premium services.

Choosing between home care and residential aged care comes down to a mix of practical and personal factors.
Ask yourself:

• How complex are the health and care needs?
• Does the person value independence above all else, or do they need constant support?
• Can family realistically provide extra help if needed?
• What option makes the most sense financially in the long term?

Most importantly, involve the person receiving care in the decision. Their comfort, preferences, and sense of dignity should guide the process.

There’s no universal answer to whether home care or residential aged care is “best”. The right choice depends on health needs, lifestyle, family support and finances. What matters most is finding the option that provides safety, dignity, and a good quality of life. If you’re weighing up the decision, start by exploring My Aged Care for assessments, funding details and advice. And remember, whatever you choose, the goal is the same: making sure your loved one feels supported, cared for and valued.