What Home Health and Personal Care Aides earn in Madison County, IL
According to the latest federal wage data for the St. Louis, MO-IL metropolitan area, the median pay for Home Health and Personal Care Aides in Madison County, IL is $34,490 a year, or $16.58 an hour. After federal income tax, Social Security, Medicare and state income tax, the paycheck shrinks to $28,275 a year, and rent, food and energy take another bite. The sections below walk through each step with the actual math for Madison County, IL.
The mean wage is $34,430, which is 0.2% below the median, so pay is spread fairly evenly. The survey counts about 44,200 people working in this occupation across the St. Louis, MO-IL metropolitan area, so the estimate rests on a substantial pool of workers. Madison County, IL has roughly 264,238 residents, according to the population figures used by the rent data.
The salary range, from entry level to top earners
Pay for Home Health and Personal Care Aides in the St. Louis, MO-IL metropolitan area is not one number. The lowest-paid tenth of workers earn up to $28,600 a year ($13.75 an hour), while the highest-paid tenth earn $42,720 or more ($20.54 an hour). That is a gap of $14,120 between the bottom and the top of the scale. The middle half of workers falls between $28,600 at the 25th percentile and $37,910 at the 75th percentile. A top-tier earner makes 1.5 times what someone at the bottom makes, so experience, certification and employer all matter.
What the hourly rate looks like
Converted to an hourly wage, the median for Home Health and Personal Care Aides in Madison County, IL is $16.58. A full-time schedule of 40 hours for 52 weeks adds up to $34,490, and the same salary is $2,874 a month before taxes or about $1,327 per biweekly pay period. After taxes the same job pays $13.59 per hour of take-home income, which is the number that actually has to cover rent and groceries.
How pay in Madison County, IL compares
Compared with the Illinois average
The local median of $34,490 sits below the Illinois employment-weighted average of $36,962. The shortfall is $2,472 a year, or 6.7%, so Madison County, IL is a lower-paying market for this job than the state as a whole. Within Illinois, the highest median we track for this job is $38,180 in Cook County, IL.
Compared with the national average
The national employment-weighted average for Home Health and Personal Care Aides is $34,899 across the contiguous United States. At $34,490, Madison County, IL pays $409 less, which is 1.2% below that benchmark. Keep in mind that a higher salary only helps if living costs do not rise faster, which is why the cost sections below matter as much as the headline number.
Where this job ranks in Madison County, IL
Among the 578 occupations with published wages in Madison County, IL, Home Health and Personal Care Aides ranks number 547 by median pay, ahead of about 5% of them. The best-paying occupation we track here is General and Operations Managers at $93,140 a year, which is $58,650 more than the median for Home Health and Personal Care Aides.
From gross pay to take-home pay
A salary of $34,490 does not arrive in full. We model a single filer with wage income only, the standard deduction and tax-year 2025 rules, and we keep the three tax layers apart: federal income tax, FICA (Social Security and Medicare) and state income tax. Together they take $6,215 a year, which leaves $28,275, or $2,356 a month.
Put another way, of every $100 earned, about $18 goes to taxes and $82 reaches the paycheck. The overall effective tax rate is 18.0%.
Federal income tax
After the $15,750 standard deduction, taxable income is $18,740. Federal brackets are marginal, so only the slice of income above each threshold is taxed at the higher rate; the last dollars of this salary fall in the 12% bracket. The resulting federal income tax is $2,010, an effective 5.8% of gross pay, well below the 12% marginal rate because the lower brackets are cheaper.
Social Security and Medicare (FICA)
Payroll taxes are a flat percentage of wages. Social Security takes 6.2% up to a wage base of $176,100, which costs $2,138 on this salary. Medicare takes 1.45%, or $500. FICA totals $2,638, which is 7.6% of gross pay.
State income tax in Illinois
Illinois income tax on this salary is $1,566 a year, or 4.5% of gross pay, after the state's own deductions and exemptions are applied. That is 78% of the federal income tax bill, and it comes out to $131 a month. Local taxes such as county or city income taxes are not included, so a few jurisdictions may withhold slightly more.
A cross-check with IRS data for Madison County, IL
IRS Statistics of Income data for Madison County, IL show an average adjusted gross income of $82,062 per return and an average effective federal income tax rate of 12.1% across all filers. Filers in the $25,000 to under $50,000 bracket, where this salary falls, paid an average of 5.0%, compared with the 5.8% estimated here for a single filer taking the standard deduction. Gaps between the two reflect filing status, dependents, credits and other income, none of which a single-person wage estimate includes.
Cost of living in Madison County, IL
Take-home pay only means something next to what life costs. We price four basics for one adult in Madison County, IL: a one-bedroom apartment, food, home energy and gasoline. All of them are converted to annual figures first, then compared with the $28,275 of take-home pay.
Rent
The HUD Fair Market Rent for a one-bedroom apartment in Madison County, IL is $1,104 a month, or $13,248 a year. A two-bedroom costs $1,349 a month. For Home Health and Personal Care Aides, a one-bedroom absorbs 46.9% of take-home pay and 38.4% of gross pay.
Food
The USDA Thrifty Food Plan (August 2026) puts the cost of a nutritious home-cooked diet for an adult at about $3,436 a year, which is $286 a month or $66.07 a week. That equals 10.0% of gross pay for Home Health and Personal Care Aides in Madison County, IL. It is a thrifty budget with no restaurant meals, so treat it as a floor.
Energy and gasoline
Using Illinois residential prices from the Energy Information Administration and national household averages for consumption, electricity costs about $1,677 a year and other home energy such as natural gas about $434, for $2,110 in total. Gasoline in Illinois averages $3.18 per gallon; at about 463 gallons a year (11,106 miles at 24 miles per gallon) fuel adds $1,471.
What is left over
Add the four basics together and living costs come to $20,265 a year, 72% of take-home pay. That leaves $8,010 a year, or $668 a month, for savings, transportation beyond fuel, health care, debt and everything else. That margin equals 23.2% of gross pay, a comfortable cushion by common budgeting rules.
Can Home Health and Personal Care Aides afford to live in Madison County, IL?
The 30% rent guideline
A common rule of thumb says rent should stay under 30% of gross income. For a gross salary of $34,490 that ceiling is $862 a month. The one-bedroom Fair Market Rent of $1,104 is $242 over it, so rent breaks the guideline. Put as a wage, covering a one-bedroom at the 30% guideline takes $21.23 an hour; the median for Home Health and Personal Care Aides is $16.58, which is 22% below that mark. Another way to see it: at $13.59 of take-home pay an hour, a one-bedroom takes about 18.7 working hours every week.
Splitting a two-bedroom
Sharing a two-bedroom at $1,349 a month means $675 each. Compared with renting a one-bedroom alone, that saves $5,154 a year. With a roommate, the yearly margin after the basics becomes $13,164.
How fast you can save
At $668 a month of margin, building a $10,000 emergency fund would take about 15 months. Setting aside half of the margin stretches the same goal to about 30 months. These figures ignore interest, raises and any spending beyond the four basics.
Frequently asked questions about Home Health and Personal Care Aides pay in Madison County, IL
What is the hourly wage for Home Health and Personal Care Aides in Madison County, IL?
The median is $16.58 per hour, based on $34,490 a year over 2,080 hours. Hourly pay runs from about $13.75 at the 10th percentile to $20.54 at the 90th percentile.
What is the take-home pay for Home Health and Personal Care Aides in Madison County, IL?
After federal income tax, FICA and state income tax, the median salary of $34,490 becomes $28,275 a year. That is $2,356 a month, $1,088 every two weeks or $544 a week.
What percentage of pay goes to taxes for Home Health and Personal Care Aides in Madison County, IL?
Total taxes are $6,215 a year, an effective rate of 18.0%: $2,010 federal income tax, $2,638 FICA and $1,566 Illinois income tax.
Is pay for Home Health and Personal Care Aides in Madison County, IL above the Illinois average?
No. The local median of $34,490 is -6.7% versus the Illinois average of $36,962, a difference of $2,472 a year.
Is a one-bedroom rent affordable on the median Home Health and Personal Care Aides salary in Madison County, IL?
A one-bedroom costs $1,104 a month against take-home pay of $2,356, which is 46.9% of take-home pay. That does not meet the 30%-of-gross guideline, which allows up to $862 a month.
How much is left after rent, food and energy for Home Health and Personal Care Aides in Madison County, IL?
About $668 a month ($8,010 a year) remains after a one-bedroom apartment, food, home energy and gasoline, which together cost $20,265 a year.
What hourly wage covers a one-bedroom in Madison County, IL at the 30% guideline?
$21.23 an hour for a full-time schedule, calculated as the $13,248 annual rent divided by 0.30 and by 2,080 hours. The median for Home Health and Personal Care Aides is $16.58.
How we calculated these numbers
Wages are May 2025 medians from the Bureau of Labor Statistics Occupational Employment and Wage Statistics survey for the St. Louis, MO-IL metropolitan area; hourly-only values are annualized at 2,080 hours. Rents are HUD Fair Market Rents, food costs come from the USDA Thrifty Food Plan, and energy prices come from the Energy Information Administration. County-level tax statistics come from the IRS Statistics of Income.
Taxes use tax-year 2025 federal brackets, FICA rates and the Illinois rules for a single filer with wage income only. Figures are estimates for planning and comparison, not tax or financial advice, and they exclude local income taxes, benefits, retirement contributions and individual circumstances.