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10 Best Assisted Living Facilities in Louisville, KY for 2024

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Assisted Living Facilities in Louisville, Kentucky

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What to Consider About Assisted Living in Louisville

The Kentucky Department for Aging and Independent Living (DAIL) oversees the statewide programs and services for seniors. DAIL certifies assisted living communities in Louisville and across the state annually. It also addresses issues that prevent seniors and disabled residents from having the best possible quality of life.

Benefits and Drawbacks of Assisted Living in Louisville

 

  • Louisville’s overall cost of living is nearly 11% lower than the national average. Seniors also may benefit from the city’s lower-than-average cost of health care, which is 14% less than the national average and almost 8% lower than the state average.
  • The climate in Louisville has been described as continental and highly variable due to its proximity to storm tracks that frequently prompt shifts between cooler air from up north to warm moist Gulf air. The combination results in warm, humid summers and moderately cold winters. However, the hills in the north often block polar air, preventing it from receiving more significant amounts of snow or colder extremes. Louisville only gets about 9 inches of snow annually but does experience higher-than-average amounts of rainfall.
  • Seniors have access to several high-performing hospitals in Louisville. Baptist Health Louisville was rated high performing in nine adult procedures/conditions, Norton Hospitals was rated high performing in eight and University of Louisville Health-Jewish Hospital was rated high performing in six. All three were rated high performing for the treatment of heart attacks and strokes.
  • Kentucky exempts Social Security Benefits and up to $31,110 of various retirement income per person from state income taxes. Exempted retirement income includes annuities and public and private pensions. All other retirement income falls under the flat state income tax rate of 5%, making seniors’ overall income tax burdens in Louisville relatively friendly.
  • Kentucky boasts a modest 6% state sales tax rate, and counties and municipalities aren’t allowed to add to it. Therefore, the local sales tax in Louisville is zero for a combined total of 6%. Seniors may also benefit from groceries and prescription drugs being sales tax-exempt.
  • Louisville joined the AARP Age-Friendly Network in September 2016. Currently, the Louisville-Jefferson County area has a livability score of 51, which is slightly higher than the national average of 50. It received its lowest score of 46 on transportation, largely due to a low level of ADA-accessible stations and vehicles. However, it earned a 56 on community engagement, 54 on environmental health and 53 for ease of access to neighborhood conveniences.

 

Paying for Assisted Living in Louisville, KY

When trying to decide how to pay for assisted living, one of the first questions that comes up is "How much does it cost?" With the impact of inflation, it's more important than ever to have up-to-date information when making a financial plan for senior living. To help shed light on real senior living prices, Caring.com has compiled proprietary cost data from its network of more than 75,000 senior living providers to provide insight into the average cost of assisted living in Louisville and 21 other cities in Kentucky.

Inflation's Impact on the Cost of Assisted Living in Louisville, KY

Assisted living costs continue to rise in Louisville, as this city and surrounding ones aren't immune to the effects of inflation. Since 2022, prices have risen about 18%, which is about the same as the change across the U.S. Even though averages in Kentucky used to be below that of Louisville, they're now about 5.5% higher, with the state seeing a 33.7% jump overall. Nearby cities of Shelbyville, Frankfort and Elizabethtown all saw similar increases to Louisville, but Shelbyville is 56% more expensive and Frankfort is 31% lower. As inflation keeps impacting costs in these regions, planning ahead is essential.

Location2022 Cost (Historical)2023 Cost (Current)2024 Cost (Estimated)
Louisville$3,533$3,871$4,169
U.S. Average$4,070$4,459$4,802
Kentucky$3,288$3,748$4,397
Shelbyville$5,513$6,040$6,505
Frankfort$2,693$2,950$3,177
Elizabethtown$3,866$4,235$4,561

The Cost of Assisted Living in Nearby Cities

While Louisville’s average cost of assisted living is only $52 per month higher than the state average, it’s significantly lower than the national average of $4,500. Compared to other Kentucky cities, Louisville’s cost lands about mid-range. It’s more than Owensboro’s $3,088 and Elizabethtown’s $3,225. Bowling Green mirrors Louisiana’s amount of $3,500, and Lexington’s average cost is more than $1,000 higher at $4,568 monthly.

Louisville

$3,500

Kentucky

$3,448

The United States

$4,500

Owensboro

$3,088

Elizabethtown

$3,225

Bowling Green

$3,500

Lexington

$4,568

The Costs of Other Types of Senior Living

In Louisville, senior living has a few options with different price tags to consider. Assisted living is $3,871 and provides extra help with daily tasks. Memory care is a bit pricier at $4,514, but is more suitable for those facing memory-related issues. Finally, there's independent living with a more self-sufficient lifestyle at only $2,773. Everyone's situation is different, so take time to consider all factors before deciding.

Assisted Living

$3,748

Memory Care

$4,852

Independent Living

$2,794

Financial Assistance for Assisted Living in Louisville

In the state of Kentucky, assisted living facilities don’t provide health services and therefore are not eligible for funding through Medicaid. However, in some circumstances, Medicaid may provide coverage for treatments received from an outside agency. 

Learn more about these programs, plus who’s eligible, on our Assisted Living in Kentucky page.

Financial Assistance in Kentucky

More Ways to Pay for Assisted Living

While many families use their own funds or personal assets to pay for assisted living, there are plenty of additional options to cover these costs. Some additional ways to finance assisted living costs include:

  • Veterans Benefits
  • Life Insurance Policy
  • Long-Term Care Insurance
  • Reverse Mortgage

For more information about different ways to finance assisted living, visit our Assisted Living in Kentucky page.

Free and Low-Cost Resources for Seniors in Louisville,KY

There are many resources in Louisville,KY that assist seniors in their retirement. caring.com has compiled information on local organizations, programs and agencies and categorized them into care types for easy reference.

For information about statewide resources and those in nearby cities, go to Caring’s Kentucky state page.

Area Agency on Aging

Retirees can find support and advice on various senior-related issues from their local Area Agency on Aging. The agency provides advice on topics such as financial assistance programs, in-home care and long-term care planning. It also connects seniors and caregivers with community-based resources.

Program NamePhone NumberDescription
KIPDA's Aging and Disability Resource Center (ADRC)888-737-3363Kentucky's Area Agencies on Aging are nonprofit organizations dedicated to serving the needs of older adults and caregivers. They provide programs and services that promote independent living and help to enhance seniors' quality of life. These include care planning, transportation services, nutrition programs and caregiver support. They also offer information, referrals and benefits counseling. Kentucky's AAAs play a crucial role in advocating for seniors' rights and ensuring they have access to the resources they need to age with dignity.

Food Assistance Programs

Local organizations help ensure elderly citizens have a balanced diet and receive essential vitamins and minerals to remain healthy. Through nutrition programs, congregate meals, home-delivered meals and food pantries, these programs help Louisville seniors afford the nutritious food they need.

Program NamePhone NumberDescription
Jewish Community Center of Louisville (JCC) Meals on Wheels502-238-2749Various organizations throughout Kentucky operate Meals on Wheels programs to provide home-delivered meals to seniors who might otherwise go hungry. Delivering nutritious meals helps enable independent living while providing an opportunity for delivery drivers to perform a safety check and offer social interaction. Meals are generally provided for free or at a low cost based on a sliding fee scale to ensure access to those older adults most in need.
Louisville Senior Nutrition Program502-574-6325The Louisville Senior Nutrition Program delivers meals to the homes of adults aged 60 and over who are unable to shop or who have difficulty preparing meals on their own. Program workers conduct a home visit during the application process to establish eligibility and the urgency of a senior's needs. Applicants with unique circumstances and medical conditions are given priority for approvals, while others may need to be wait-listed due to high demand. Documented income verification is required.
Neighborhood House Emergency Food Bank502-774-2322The Neighborhood House Emergency Food Bank works with the Dare to Care Food Bank to help vulnerable seniors and other food-insecure residents of the West Louisville area. The food bank is open every weekday from 10 a.m. to noon, and to receive emergency food boxes, seniors must present government ID and proof of residence. Neighborhood House also provides senior engagement programs, including cooking and fitness classes, a daily congregate lunch, bingo games and holiday parties.

Free Used Medical Equipment

Due to the high cost of purchasing new medical equipment, several organizations in Louisville collect lightly used medical devices such as wheelchairs, ramps and walkers and distribute them to local seniors and residents in need.

Program NamePhone NumberDescription
Project CARAT (Coordinating & Assisting the Reuse of Assistive Technology) - Louisville502-992-2448Project CARAT promotes the reuse of assistive technology (AT) and durable medical equipment (DME) by transitioning unused AT and DME to individuals who need them at no cost.

Senior Centers

Senior centers in Louisville bring together residents through recreational activities and events. Many also offer advice and support on senior issues, run wellness and nutrition programs, and connect older adults with other resources in the local area.

Program NamePhone NumberDescription
South Louisville Community Ministries502-361-7763South Louisville Community Ministries helps residents in six zip codes in Louisville, KY. Local seniors can contact one of several resources in the south Louisville neighborhoods, including the Americana World Community Center, Hope Place, Ekklesia Family Day Shelter and South Central Neighborhood Place. Seniors can access property tax loans and assistance with utility bills, clothes, home repairs, prescriptions and addiction. They can visit the ministry's food pantry once a month, and homebound seniors aged 60+ can receive delivered meals.
Southwest Community Ministries502-935-0310Southwest Community Ministries in Louisville, KY, offers a variety of services to local residents. Seniors can receive food assistance through the food pantry and via the Meals on Wheels program, which offers weekday meals to homebound seniors. Financial help is also available for utility bills and housing. Referral programs are accessible for those who need additional assistance but require guidance on where to turn.

Senior Engagement

Senior engagement resources and programs in Louisville help older adults remain active and ensure they contribute to the community. Resources include wellness programs, volunteer opportunities, support groups and organizations that help residents connect with the community to live fulfilling lives.

Program NamePhone NumberDescription
University of Louisville Senior Citizen Students502-852-0166Those aged 65 and over may take a select number of courses at U of L for free as a part of the Donovan Fellowship. Seniors may study up to two classes per semester, either "just for fun" or with the goal of obtaining a degree. Some classes may be taken online while others require physical attendance on-campus.

Social Security Offices

Social Security offices in Louisville help seniors and disabled people access the benefits they're entitled to. Older adults can contact their local office for information about receiving retirement benefits, disability allowance and Supplemental Security Income.

Program NamePhone NumberDescription
Louisville Social Security Offices800-772-1213Social Security is a source of income available to retirees and people who can no longer work because of a disability. The money for Social Security comes from a payroll tax levied on employers, employees and self-employed individuals. When you retire, you'll receive monthly payments based on how much you earned when you were working.

Utility & Energy Bill Assistance

Low-income seniors who are struggling to meet the costs of maintaining their homes can find support from organizations that offer assistance with utility and energy bills. Louisville retirees could also qualify for emergency funding programs if they're in danger of losing utility services due to unpaid invoices.

Program NamePhone NumberDescription
Low Income Home Energy Assistance (LIHEAP) - Louisville800-456-3452LIHEAP is a federally funded program that helps cover the home heating and cooling costs of eligible lowincome seniors and other Kentucky households. The Kentucky LIHEAP program initially uses annual funds to cover heating costs, then covers cooling costs if there are still funds available.

Veteran's Services

Louisville retirees who have served in the U.S. military can find support from local veteran services. These offices and organizations help vets access the benefits they're eligible for and provide advice and information on a variety of issues.

Program NamePhone NumberDescription
Louisville Vet Center502-287-6710The Louisville Vet Center offers confidential counseling services to local veterans and service members. Returning service members can attend transition counseling to help them adapt to civilian life, with educational and career programs available. Veterans can learn about VA benefits, how to access them and where to file. Licensed counselors provide individual therapy for those suffering with stress, anxiety, anger, PTSD and military sexual trauma. Group counseling sessions for Vietnam, Desert Storm and Global War on Terror veterans are available.

Assisted Living Laws and Regulations in Louisville

Louisville Assisted Living Communities must adhere to the comprehensive set of state laws and regulations that all Assisted Living Facilities in Kentucky are required to follow. Visit our Assisted Living in Kentucky page for more information about these laws.

Assisted Living Laws and Regulations in Kentucky

Reviews of Communities Nearby

Assisted Living

Baugh40272

I am a friend or relative of a current/past resident

Review of Creekside on Bardstown

My mother has moved into Creekside on Bardstown. We chose it because whenever we viewed the place, the staff seemed very caring, and they had decent facilities. It was clean, there were no bad...

Read more

Assisted Living

Phyllis s

I visited this facility

Review of Masonic Home of Louisville

Laura was the Marketing Director we met with. We had wanted Independent Living, however there were no apartments available. So we looked at assisted living. The area had no patients around. The...

Read more

Assisted Living

John

I am a friend or relative of a current/past resident

Review of Masonic Home of Louisville

My mother is at the Masonic Home of Louisville. So far, it has been the best place that I've dealt with. They check on her a lot. She has a private room and she stays clean. The food is pretty...

Read more

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Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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