Hiring help for an ageing parent in Singapore is the rare purchase where the cheapest and the dearest option do the same job — assist with bathing, dressing, toileting and transfers at home — and the published rates sit a factor of twenty apart. We read all eight providers' own price pages on 20 August 2026 rather than the aggregator round-ups. NTUC Health's eldercare pages print home personal care from $2.40 an hour on a weekday; Jaga-Me's rate card, which quotes GST-inclusive figures, tops out at $55.59 an hour for nurse caregiving on a weekend; Homage sits in between at $28 an hour pay-as-you-go, falling to $23 if you pre-buy 200 hours. The gap is not quality — it is whether the price you are shown is before or after a government subsidy, and only four of the eight publish a rate at all. Orange Valley's page is literally titled 'Admission & Fees' and contains no fee. ECON Healthcare, St Luke's ElderCare and Allium Healthcare publish none either. So here is what each one actually charges where it says so, what unlocks the subsidy (three of six activities of daily living — the same test two providers on this list charge exactly $250 to assess), and the Home Caregiving Grant that pays up to $600 a month in cash from April 2026.
Eldercare is the one household purchase where nobody will tell you the price.
We tried. On 20 August 2026 we opened all eight providers' own websites — not the deal round-ups, not the comparison portals that resell leads — and looked for a number. Four of the eight publish one. Four do not, and one of those four has a page titled "Admission & Fees" that contains no fee at all.
Where the numbers do exist, they are twenty times apart for the same work. Helping a parent bathe, dress, get to the toilet and move from bed to chair is billed at $2.40 an hour on NTUC Health's eldercare pages and at $37.06 an hour on Jaga-Me's. Neither is lying. One figure is what you pay after the government has paid most of it; the other is the full commercial rate with GST already in it. Almost every "home care costs $X in Singapore" article you will read mixes the two.
So this list does three things. It reprints what each provider actually publishes, in its own words. It says plainly which ones publish nothing. And it explains the single question that decides which column of the price list you land in — whether your parent permanently needs help with three of the six activities of daily living.
That last test is worth money. It unlocks the Home Caregiving Grant, which pays up to $600 a month in cash — and it needs a formal assessment that two providers on this list will sell you for exactly $250.
Do the subsidy first, then compare prices
The single most expensive mistake in this category is calling a private provider first, being quoted $28 to $37 an hour, deciding home care is unaffordable, and never finding out that the same help is means-tested down to a few dollars an hour. Work in this order.
1. Check the three-of-six test. The Home Caregiving Grant requires that your parent permanently needs help with at least three of the six activities of daily living — bathing, dressing, toileting, transfer, continence and feeding. Two of three does not qualify. This is the gate for almost everything else.
2. Know what the grant pays. Per AIC's own figures, the Home Caregiving Grant pays $600 a month in cash where monthly household income per person is $0 to $1,500 (or where there is no household income and the home's Annual Value is $21,000 or less), $400 from $1,501 to $3,600, and $200 from $3,601 to $4,800. Above $4,800 per person, there is no grant. Multiple-property owners fall to the lower tier. Note that 2026 subsidy levels are assessed using 2025 Annual Values.
3. Check who can apply. Singapore Citizens, or PRs with a parent, child or spouse who is a living Singapore Citizen. Your parent must be living in Singapore and not in a residential long-term care institution — the grant is for care at home, so it stops if they move into a nursing home.
4. Apply the fast way. AIC recommends applying online with Singpass via eFASS for shorter approval times; the hardcopy route is an email to apply@aic.sg.
5. Budget $250 for the assessment. The three-of-six certification needs a Severe Disability Assessment, and both Homage and Jaga-Me publish it at exactly $250. Paying $250 once to unlock $600 a month is the best-value transaction in this entire guide — $7,200 a year against a one-off $250. If several family members need assessing, Homage charges $100 per person for multiple recipients.
Reading a quote without getting caught
Ask whether the rate is before or after subsidy. This is the whole ballgame. A subsidised provider's "from" price is a post-maximum-subsidy floor that assumes the lowest income tier; if your means-test lands you in a higher tier you will pay more than the number on the page.
Ask whether GST is in. Only Jaga-Me marks its rates "w/gst". Homage's and NTUC Health's published figures are pre-GST, so add 9% before you compare them against Jaga-Me's.
Add the visit surcharges before you compare hourly rates. Homage adds $5 for a visit under 3 hours and another $5 if you book within 24 hours. Jaga-Me adds $30 ($32.70 with GST) of transport to every visit, and $50 more for Sentosa, Jurong Island, Tuas South, Changi Airport Cargo Complex and Aviation Park. On a single short urgent visit these fees can exceed an hour of care.
Longer shifts are cheaper per hour, everywhere. Both private providers price down with duration — Homage from $28 to $27.50 at three hours, Jaga-Me from $37.06 to $32.70 at twelve. If a parent needs two 2-hour visits a day, one 4-hour block is usually cheaper and less disruptive.
Weekends are the hidden budget-breaker. Jaga-Me charges the same weekend rate for day and night shifts, and Homage's public holiday ADL rate is $32 against a $28 weekday. A Saturday-and-Sunday-only arrangement is the most expensive way to buy care per hour.
If the need is round-the-clock, stop buying hours. Twelve private hours a day at even the cheapest long-shift rate runs past $390 a day. That is when a live-in arrangement (Active Global publishes a S$600–S$1,000 monthly caregiver salary, with agency, permit and levy costs on top) or a residential place becomes the only sustainable answer.
Get the exclusions in writing at nursing homes. None of the four residential operators here publishes a rate. When you are given one, ask specifically whether nursing hours, therapy, doctor reviews, consumables, diapers and transport are inside or outside it.
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