ScorecardWorth It?HistoryDatabaseCompareDistress Signals
Senior CareRevenue OnlyItem 19: ✓ DisclosedHigh Confidence · 100/100FDD data: 2025 · Fresh

HOME INSTEAD Franchise Cost and Profit

FDD-based startup cost, franchise fee, revenue, profit, SBA default rate, and investment risk signals for HOME INSTEAD.

Based on 2025 FDD · 6 filings in corpus

FranchiseIQ Score
76
B
Moderate-Low Risk
Composite score from 3 risk dimensions. Click for breakdown ↓
Health Score
A
89/100
6/7 metrics · High confidence
Full analysis unlocks:
✓ Cash-on-Cash return
✓ Payback period
✓ SBA default rate
✓ Red flags assessment
✓ Comparable franchises
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Cost and profit at a glance

How much does a HOME INSTEAD franchise cost and make?

Based on FDDIQ's FDD corpus, a HOME INSTEAD franchise shows an estimated initial investment of $91K – $270K. Reported owner economics show $249K. Use the links below to compare the cost, revenue, SBA loan history, and ROI against other franchises before you request the full FDD.

Startup Cost
$91K – $270K
Total initial investment
Profit / Revenue
$249K
FDD Item 19 signal
Payback Signal
0.7 years
Modeled return metric
SBA Default Rate
1.9%
Loan repayment history
Compare franchise costs →Estimate franchise ROI →Check SBA default rates →Browse Senior Care franchises →Compare similar franchises →

Quick fee read: $54K franchise fee · 7% royalty/ad burden. These figures are directional screening data, not a substitute for reading the current FDD and speaking with existing operators.

Free decision snapshot

Before you talk to HOME INSTEAD, check the numbers buyers usually miss.

The unlocked report ties this brand's FDD disclosures to SBA outcomes, Item 20 movement, fee load, missing-data labels, and buyer assumptions — so you can decide whether this is worth deeper diligence.

FDD disclosure qualitySBA default outcomesItem 20 unit movementFee/cost stressComparable brands
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HOME INSTEAD Franchise Analysis

HOME INSTEAD requires a total initial investment of $91K to $270K (midpoint approximately $180K), with an initial franchise fee of $54K. The ongoing fee burden is 7% (5% royalty plus 2% advertising fund). This is below the industry average of approximately 19.8%, leaving more margin for the operator.

According to Item 19 of the 2025 FDD, the median revenue for HOME INSTEAD locations is $2.3M. The implied franchisee EBITDA is approximately $249K, based on the margin assumptions disclosed in the FDD. The estimated cash-on-cash return is 137.9% with a payback period of approximately 0.7 years.

HOME INSTEAD operates approximately 2 franchised units. The SBA 7(a) loan default rate of 1.9% is in line with industry norms of approximately 3.2%.

Prospective franchisees should verify all figures against the most recent FDD, conduct validation calls with multiple existing franchisees, and consult with a franchise attorney before signing any agreement.

Analysis based on 2025 FDD filing. FDDIQ Editorial Team · Methodology

Total Investment Range$91K – $270K
MinMid: $180KMax

Key Metrics

Franchise Fee
$54K
Royalty Rate
5%
Ad Fund Rate
2%
Total Burden
7.0%
Royalty + ad fund
Units (2023)
2
Net Unit Growth
→ -
Year over year
Cash-on-Cash Return
137.9%
Annual estimated return
Payback Period
0.7 yrs
Break-even timeline
SBA Default Rate
1.9%
vs ~7.2% industry avg
Median Revenue
$2.3M
Item 19 disclosed
Premium Data

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CoC ReturnPayback PeriodSBA Default RateMedian RevenueEbitda MarginRisk Score
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Estimated using sector-average margins. Actual franchise economics vary by location, operator, and market conditions.

HOME INSTEAD vs. Senior Care Average

MetricHOME INSTEADSenior Care Avg
SBA Default Rate1.9%▲3.2%
Cash-on-Cash Return137.9%▲19.8%
Total Investment$180K$185K

Industry averages based on FranchiseIQ corpus benchmarks. ▲ = better than avg, ▼ = worse.

SBA Loan Performance

Real lending data from SBA 7(a) loans (2010-2018). 162 loans across 34 states.

Default Rate
1.9%
Low Risk
Total SBA Loans
162
34 states
Total Loan Volume
$82.8M
SBA 7(a) approved
Avg Loan Size
$511K
Per franchisee
Loan Status Breakdown
141
Paid in Full (87%)
8
Currently Active
3
Charged Off (1.0% by $)
$839K
Total Charged Off ($)
● Paid● Active● Charged Off

Source: SBA 7(a) loan data via FOIA. Default rate = charged-off loans / total originated. Industry avg default rate ~7.2%.

Compare

HOME INSTEAD vs A Right Place for SeniorsHOME INSTEAD vs HOMEWATCH CAREGIVERSHOME INSTEAD vs ACASA Senior Care

Similar Franchises · Senior Care

A Right Place for Seniors
Limited Data
$99K–$127K
HOMEWATCH CAREGIVERS
Revenue Only
$122K–$178K
ACASA Senior Care
Limited Data
$82K–$132K
A Right Place for Seniors
$99K – $127K
HOMEWATCH CAREGIVERS
$122K – $178K
ACASA Senior Care
$82K – $132K
Crossing the Jordan
$260K – $449K

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Questions to Ask Before You Sign

5 data-driven questions every HOME INSTEAD franchise buyer should ask.

  1. 1.What is HOME INSTEAD's SBA default rate compared to its competitors?Learn more →
  2. 2.Does HOME INSTEAD disclose Item 19 financial performance representations?Learn more →
  3. 3.What is the net unit growth trend over the past 3 years?Learn more →
  4. 4.What is the franchisee termination and transfer rate per Item 20?Learn more →
  5. 5.What do the FDD litigation disclosures (Item 3) reveal about franchisor legal history?Learn more →
Generate attorney questions for HOME INSTEAD →Validation call guide →
Data sourced from publicly filed Franchise Disclosure Documents (FDDs) submitted to state franchise regulators. SBA loan data from public SBA 7(a) records. Information reflects the most recent FDD filing in our database and may not reflect current terms. Always verify with the franchisor's current FDD before making any investment decision. Not legal or financial advice.

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