Your house won’t form part of the financial assessment if your husband needs to move into care. It will be exempt from the means test because a property occupied by a spouse is not treated as an asset for as long as you continue to live in it and so you don’t need to worry about a charge being applied or having to repay it.
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See AllIn 2020/21, local authorities spent £7.8 billion on long-term support for older people, of which £4.8 billion was on nursing or residential care, £2.9 billion on community support, including home care
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Each local authority has an amount which they will pay for a given care need. This might be an hourly rate for home care or a weekly fee for residential care. Not all care providers will accept this r
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Last year, the average hourly rate paid by local authorities for externally commissioned home care fell 1.1% from £18.65 to £18.44. Source: Social Care 360 – The Kings Fund
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