Care at home or a care homeCare homes

What is the difference between a nursing home and a care home?

Both offer a room, meals and help with everyday life. The difference that matters is staffing: a nursing home has a registered nurse on duty day and night, and a care home does not. This guide explains what that means in practice, the signs your relative needs nursing care rather than personal care, what each one costs, and whether staying at home with a carer could still work.

By James Bowdler, founder of PrimeCarers  ·  Updated September 2026  ·  12 min read · See the difference

Part of our guide to care at home or a care home.

The two types explained

What each one is, in plain terms

Care home is often used as a general term, but there are two registered types, and the difference is not about comfort or quality. It is about the level of staff on site.

A residential care home offers a room, meals, company and help with everyday tasks: washing, dressing, getting to the toilet, and taking medication that is already prepared. Staff are trained in personal care, and many homes have a nurse or a link with a local surgery, but nobody on shift is a registered nurse whose job is nursing care itself.

A nursing home offers all of that, plus a registered nurse on duty at all times. It is registered with the Care Quality Commission to provide nursing care as well as accommodation, which under the regulated activities the CQC sets out means a service delivered, planned or supervised by a nurse, not just a carer. Many homes are dual registered, meaning they hold both registrations and can look after residents on either level, sometimes on the same corridor.

Staff

Residential care home
Carers trained in personal care
Nursing home
Carers, plus a registered nurse on duty day and night

Medical tasks

Residential care home
Prompting or giving prepared medication
Nursing home
Wound care, injections, catheters and other tasks that need a nurse

Who it suits

Residential care home
Someone who needs help with daily life but is otherwise stable
Nursing home
Someone with an ongoing health condition that needs regular nursing attention

CQC registration

Residential care home
Accommodation with personal care
Nursing home
Accommodation with nursing care

Source: Care Quality Commission, regulated activities guidance, 2026. Ask any home which registration it holds before you visit.

The how care homes work guide covers the wider process of moving into a care home, including what a typical day looks like and how a placement is arranged, and is worth reading alongside this page.

What the extra staff means

Why a registered nurse changes what is possible

A carer, however experienced, is not trained or allowed to carry out nursing tasks. A registered nurse is. That is the practical reason a nursing home exists as a separate kind of place.

Residential care home

  • Help washing, dressing and using the toilet
  • Meals cooked and eaten together, with company through the day
  • Medication prompted, or given from a dosette box
  • Activities, company and a room of their own
  • Staff trained in personal care, but not qualified nurses

Nursing home

Everything a care home offers, plus:

  • A registered nurse on duty day and night
  • Wound care, catheters, feeding tubes and syringe drivers managed on site
  • Equipment for someone who cannot move themselves: hoists, pressure-relieving mattresses, profiling beds
  • Closer monitoring of a condition that needs watching, such as heart failure or advanced diabetes
  • A nurse who can call the GP or send for an ambulance without waiting for someone else to notice

Source: Care Quality Commission, regulated activities guidance on nursing care, 2026.

A registered nurse can manage a wound that needs regular dressing, look after a catheter or a feeding tube, set up and check a syringe driver for pain relief, and adjust care around a condition such as heart failure, kidney disease or advanced diabetes that needs watching day to day. They can also act immediately if something changes: calling the GP, arranging a hospital review, or starting emergency treatment, rather than waiting for someone else to notice and ring for help. Some nursing homes also run a unit for residents whose dementia has become complex alongside these medical needs, so the nursing and the dementia support happen in the same place.

None of this makes a residential care home a lesser choice. Most people who move into care never need nursing input, and a good residential home does everything above the line in the comparison well. The question is simply whether your relative's needs, now or soon, cross into the tasks only a nurse can do.

Which one fits

Signs your relative needs nursing care rather than personal care

Needs assessments exist to answer this properly, but it helps to know what they are looking for. Tick anything that is true now, not something you are worried might happen eventually.

Has any of this been true recently?

0 of 7 ticked

Ongoing medical care

Medication

Mobility and safety

If several of these are true, ask for a local authority care needs assessment; it is free, and it settles the level of care your relative needs rather than leaving the family to guess. If the health needs are the main reason for the move, ask separately for an NHS Continuing Healthcare checklist; it can mean the NHS pays the whole cost of a nursing place rather than your relative paying towards it.

What each one costs

What a nursing place costs against a residential place

Nursing care costs more, because a nursing home employs registered nurses as well as carers. The gap is real but it is smaller than families sometimes expect, and the NHS contributes towards it directly.

£1,160

a week, typical residential care home fee

Range about £1,100 to £1,600 depending on the area and the home.

£1,410

a week, typical nursing home fee

Before any NHS-funded nursing care is deducted.

£267.68

a week, NHS-funded nursing care

Paid direct to the home, for the nursing part of the fee, if your relative does not qualify for full NHS funding.

PrimeCarers pricing data and NHS-funded nursing care rate from 1 April 2026, Department of Health and Social Care.

Where a nursing home fee is not fully covered, the same rules apply as for residential care: the council means-tests savings and income against the £23,250 upper capital limit in England, and anyone above it is expected to pay in full until their savings fall. How local authority funding works sets out the assessment and the limits in full.

Choosing without moving twice

How to avoid a second move as needs increase

Needs often grow after a placement, and moving an older or unwell person between homes is unsettling for them and for the family. A little checking beforehand reduces the chance of it happening.

Worth checking before you decide

  • Whether the home is dual registered, so it could care for your relative if their needs became nursing later without a move
  • The home's current CQC rating and its last inspection report, both free to read on the CQC website
  • How many registered nurses are on duty at once, not just whether one is on the rota
  • Whether there is a dementia-specific nursing unit, if that is likely to matter
  • What GP practice covers the home, and how quickly they can be reached

Do not rely on

  • A brochure or a friendly manager alone; ask to see the inspection report
  • Assuming a nursing home is automatically better; a good residential home suits most people better if nursing is not yet needed
  • A single visit at a quiet time of day; ask to see a mealtime or an activity
  • Word of mouth about "the best home in the area" without checking it still holds the rating that earned the reputation

The Care Quality Commission's service search lists every registered care home and nursing home in England with its current rating: Outstanding, Good, Requires improvement or Inadequate. It costs nothing to check before you visit.

Staying at home instead

Whether staying at home with a carer could still work

Moving into a care home is one route, not the only one. Many of the tasks that come with ageing or a long-term condition can be managed at home with the right support, for longer than families often assume.

Live-in care, where a self-employed carer moves into a spare room and is there through the day and night, covers everything a residential care home does: washing, dressing, meals, medication prompts, company and continuity with a face your relative knows. How live-in care works explains what a typical arrangement looks like, and because visits and travel are not part of the cost, it is often cheaper than a care home for one person.

What it cannot do is replace a nursing home for tasks that need a registered nurse, such as managing a wound or a catheter, in the same way a carer in a care home cannot. A district nurse can visit someone at home for those tasks, and some families combine a live-in carer with visiting nurses, but that only works while the nursing input needed is occasional rather than constant. Where nursing needs are frequent and unpredictable, a nursing home's round-the-clock staff usually serves the person better than piecing support together at home. Live-in care against a nursing home sets the two out side by side.

If the house itself is part of the problem, rather than the level of care, community retirement living and granny annexes are two ways to stay independent with support close by, without either a care home or the full commitment of live-in care. And for needs beyond what a nursing home is set up for, such as ventilator support or complex tube feeding at home, complex care covers what a specially trained carer or nursing team can provide.

PrimeCarers is an introductory service. It does not provide or manage care itself, and self-employed carers found through the site can support with personal care and company, but not with nursing tasks that legally require a registered nurse.

How to start

From this page to a decision

Four steps, and the first two are free and can run alongside each other.

  1. 1

    Ask for a care needs assessment

    Free
    Contact adult social care at the council, or ask a GP, hospital discharge team or district nurse to refer your relative. It settles what level of care is needed rather than leaving the family to guess between a care home and a nursing home.
  2. 2

    Ask about NHS Continuing Healthcare if health needs are the main reason

    Free
    Request the checklist by name from anyone involved in your relative's care. If it passes, a fuller assessment follows, and it can mean the NHS pays the whole cost of a nursing place.
  3. 3

    Check ratings before you visit

    Free
    Look up any home you are considering on the CQC website and read its most recent inspection report, not just its overall rating.
  4. 4

    If staying at home might still work, look at live-in care

    This week
    Search live-in carers near your relative's postcode. It costs nothing to look, and talking to a carer can help you judge whether staying at home is realistic before committing to a move.

Questions

Questions families ask about nursing homes and care homes

Staffing. A nursing home has a registered nurse on duty day and night and is registered to provide nursing care as well as accommodation. A residential care home offers the same help with washing, dressing, meals and medication, but without a nurse on shift. Many people call both "care homes" in everyday speech, but they are two different registrations.

Yes. A home registered to provide nursing care must have a registered nurse on duty at all times as part of that registration. If you are not sure which registration a home holds, ask, or check its listing on the Care Quality Commission website before you visit.

A typical residential place costs around £1,160 a week and a typical nursing place around £1,410, though both vary a great deal by area and by home. NHS-funded nursing care, £267.68 a week from 1 April 2026, is deducted from the nursing fee automatically if your relative is assessed as needing nursing care, whatever their savings.

Usually, yes, in part. Anyone assessed as needing nursing care in a nursing home receives NHS-funded nursing care, a flat payment of £267.68 a week towards the nursing element of the fee, regardless of income or savings. A smaller number of people with more complex health needs qualify for NHS Continuing Healthcare, which pays the whole cost.

Sometimes, for a while. Dementia on its own does not usually require nursing care, and many residential homes have staff experienced in dementia support. If dementia progresses alongside physical health needs such as swallowing difficulties or reduced mobility, nursing care often becomes necessary. The seven stages of dementia explains when that point tends to arrive.

It can be, for someone whose needs are mainly personal care and company rather than regular nursing tasks. A live-in carer cannot manage a wound, a catheter or medication that needs a nurse's judgement, so where those needs are frequent, a nursing home usually serves the person better. Live-in care against a nursing home compares the two directly.

Ask the council for a care needs assessment. It is free, does not depend on income, and a social worker or occupational therapist will look at what your relative can and cannot manage and recommend the right level of care. If health needs are the main driver, ask for an NHS Continuing Healthcare checklist as well.

If you need help at home

Start with our guide to care at home or a care home

Comparing the two routes. What it costs, what a carer does day to day, and how to hire one directly.

Carers near you

If staying at home is worth ruling in first

Search vetted live-in carers near your relative, see their rates and reviews, and message the ones you like. Free to search, and no obligation to book.

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