Assisted Living in Kentucky

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Families looking for assisted living in Kentucky (KY) have a wide array of communities to choose from, since estimated that there are more than 30,000 assisted living communities serving seniors across the U.S., and over 159 statewide. The state is also home to a rapidly growing number of senior citizens, with adults over 65 making up an estimated 16 percent of the population. A resident in an assisted living community in Kentucky will pay $3,445 per month on average.

Average Monthly Costs

States near Kentucky

$4,674.00 Ohio
$4,283.00 Tennessee
$4,000.00 US
$3,846.00 Kentucky
Genworth lists the average cost of a private, one bedroom unit in an assisted living community in Kentucky as $3,846. This places Kentucky on the lower end of the scale at about $200 under the national average, and about $300 lower than the median cost of assisted living in nearby states.

Compare Monthly Care Costs

When it comes to care options, assisted living is just one of several choices available to seniors. Some care options, like part-time in-home care or independent living, may cost less, while others like memory care or skilled nursing are likely to cost significantly more. Seniors can speak with their medical practitioners to receive guidance on what level of care will best suit their needs and abilities.

Nursing Home Care


In-Home Care


Assisted Living

Average Monthly Costs

Cities in Kentucky

$4,425.00 Lexington, Fayette
$3,822.00 Louisville/Jefferson County
$3,748.00 Bowling Green
$3,701.00 Rest Of State
$3,059.00 Elizabethtown, Fort Knox
$1,945.00 Owensboro
When estimating the cost of assisted living, it's important to know that average prices can differ significantly between various parts of Kentucky. The most affordable region in Kentucky for assisted living is Owensboro at $1,945.

What You Should Know About Assisted Living in Kentucky

The state of Kentucky is committed to helping seniors maintain a fairly independent lifestyle as they age. The state distinguishes between assisted living communities, which are private business entities, and personal care homes, which may be publicly funded. All organizations are regulated by state laws to ensure residents receive the highest level of care possible.

Financial Assistance for Assisted Living in Kentucky

Seniors in Kentucky have limited options for public financial assistance if they need help covering the monthly costs of residing in an assisted living community or personal care home.

SSI State Supplement

Low-income seniors who are eligible for SSI payments, which are handled through the federal Social Security program, might also be eligible for supplemental SSI payments from the state of Kentucky. The amount of your optional SSI supplement payment varies, depending on your income. The state sets a standard for the total amount of SSI payments. Then, to determine if you qualify for supplemental SSI payments, the amount of your SSI payment and any other monthly income you have is deducted from the set standard. If your income is still below the state's standard, they supplement your income with supplemental SSI payments.

Personal care homes must accept the total of optional state supplement and SSI payment less a $60 personal needs allowance as payment for room and board.

Who Is Eligible?

Kentucky's supplemental SSI program is available to all seniors who receive monthly SSI payments but still fall below the state's pre-set monthly income standards.

How to Apply

To apply for supplemental SSI payments, you should contact your local offices of Social Security (see listings below).

IMPORTANT NOTE: Keep in mind, not all assisted living facilities in Kentucky accept the same form of payment. There are some communities who might not accept a Medicaid waiver or supplemental SSI payment. Because of this, you should check with your assisted living community to see what type of payments they do accept before applying for assistance. It's also a good idea to ask if your community offers discounted monthly rates for low-income seniors.

More Ways to Finance 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. Visit our 9 Ways to Pay for Assisted Living page for more information.

Free Assisted Living Resources in Kentucky

Finding the right assisted living community can be difficult because it takes a lot of time and patience. However, there are several free resources available to seniors and their family members to help them through the process.

Kentucky Area Agencies on Aging

The Area Agencies on Aging (AAA) has more than 600 offices across the United States, including fifteen offices in Kentucky. This federally funded operation aims to help seniors with everything from applying for Medicare/Medicaid to finding a suitable assisted living community. Some of the resources it provides include:

  • Counseling for family members and seniors to help them through the transition process
  • An ombudsman program that handles complaints from seniors about their assisted living community
  • Help filling out and understanding application forms

Barren River AAA

177 Graham Avenue, Bowling Green, KY 42101
(270) 781-2381; (800) 598-2381

Big Sandy AAA

110 Resource Court, Prestonsburg, KY 41653
(606) 886-2374; (800) 737-2723

Bluegrass AAA

699 Perimeter Drive, Lexington, KY 40517
(859) 266-1116; (866) 665-7921

Buffalo Trace AAA

201 Government St., Suite 300, PO Box 460, Maysville, KY 41056
(606) 564-7084

Cumberland Valley AAA

P.O. Box 1740, 342 Old Whitley Road, London, KY 40743-1740
(606) 864-7391


32 FIVCO Court, Grayson, KY 41143
(606) 929-1366

Gateway AAA

110 Lake Park Drive, Morehead, KY 40351
(855) 882-5307

Green River AAA

300 GRADD Way, Owensboro, KY 42302
(270) 926-4433


11520 Commonwealth Drive, Louisville, KY 40299
(502) 266-5571

Kentucky River AAA

941 North Main Street, Hazard, KY 41701
(606) 436-3158

Lake Cumberland AAA

PO Box 1570, 2384 Lakeway Drive, Russell Springs, KY 42642
(270) 866-4200

Lincoln Trail AAA

613 College Street Road, P.O. Box 604, Elizabethtown, KY 42702
(270) 769-2393

Northern Kentucky AAA

22 Spiral Drive, Florence, KY 41042
(859) 692-2480

Pennyrile AAA

300 Hammond Drive, Hopkinsville, KY 42240
(270) 886-9484

Purchase AAA

1002 Medical Drive, PO Box 588, Mayfield, KY 42066
(270) 247-9426

Assisted Living Laws and Regulations in Kentucky

All assisted living communities in Kentucky are required to follow state laws and regulations regarding the care of residents, maintaining the community, and hiring and training staff members. This helps ensure residents of assisted living communities have safe, healthy environments to call home. Before you start looking for a community, familiarize yourself with some of the different laws and regulations to make sure the community you choose is up to date.

Personal care home have their own set of laws and are licensed by the Kentucky Cabinet for Health Services. Here is a synopsis of the laws that pertain to assisted living communities in Kentucky.

Assisted Living Service Plan Requirements

Prior to signing a lease, assisted living communities in Kentucky are required to do a full assessment on potential residents to ensure the community can meet all of the resident's needs. This includes a medical evaluation, which has to be completed by the resident's doctor. Once the initial assessment is complete and the resident is allowed to move into the community, a care plan is created that outlines the resident's individual care needs. This plan is required to be reassessed on an annual basis, sooner if the resident's care needs change.

Assisted Living Admission Requirements

Assisted living facilities in Kentucky are not allowed to admit any residents who require a level of care beyond what the facility can provide. Additionally, facilities cannot admit residents if they believe the individual is a danger to him/herself or others. This means residents who show any type of violent or aggressive behavior can't be admitted to assisted living facilities in the state.

Assisted Living Scope of Care

Assisted living communities in Kentucky are required to offer services that help residents maintain a relatively independent lifestyle. Some of the services provided in assisted living communities include:

  • Housekeeping services
  • Laundry services
  • Shopping services
  • Help with daily chores
  • Assistance with the activities of daily living (ADLs) such as dressing, bathing, grooming, basic hygiene and eating

Assisted living communities are also responsible for providing daily activities for residents to help keep them social.

Assisted Living Medicaid Policy

The state of Kentucky does not supply Medicaid funding to help with room and board for assisted living facilities or services that are received while in residence.

Assisted Living Facility Requirements

All assisted living facilities must meet all state and local building requirements. They must have at least one unfurnished room with a lockable door, private bathroom with a tub or shower, provisions for emergency response, a window to the outdoors, and a telephone jack. If the community has more than 20 units, each unit must have an individual thermostat control that allows residents to control the temperature in their unit.

Most units in Kentucky assisted living communities are single-occupancy units. However, double-occupancy units are available for married couples. Also, residents of the same sex who wish to share a room are allowed to do so. However, there's a maximum of two residents allowed per unit, and residents can only share a unit if there's a mutual agreement.

Medication Management Regulations

Staff members at assisted living communities in Kentucky are not allowed to administer any medication to residents. They are, however, allowed to assist residents with self-administering their daily medications. This means staff members are allowed to remind residents to take medications, help them read labels on bottles of medication, and open bottles and packaging for the resident without actually handling the medication. Staff members can also help residents store their medications in a place that's easily accessible to them, as well as help them contact their doctor and/or pharmacy if they have any questions concerning their medications.

Staffing Requirements

Kentucky doesn't have a set staff-to-resident ratio, but the state does require facilities to have enough staff members on duty to fulfill all of its residents needs 24 hours per day. Facilities are also required to have at least one awake staff member on duty at all times, and they have to have a designated manager. If the facility has multiple floors, one awake staff member must be on duty on each floor at all times.

Staff Training Requirements

All staff members, including management, have to go through an orientation program within 90 days of being hired. They are also required to attend an annual in-service training program that covers topics appropriate to their assigned duties. In-service topics might include adult first-aid, CPR certification, adult abuse and neglect, and emergency procedures.

Background Checks for Assisted Living Community Staff in Kentucky

Assisted living communities are required to conduct a criminal background check on all job applicants by requesting all conviction information from the Justice of Public Safety Cabinet. Anyone who has been convicted of a felony offense related to theft, abuse or sale of illegal drugs, abuse, neglect, or exploitation of an adult or a sex crime can't be employed at an assisted living community.

Requirements for Reporting Abuse

Unfortunately, elder abuse does happen in assisted living communities, so it's important for relatives, staff members, and residents to report any suspicions of abuse. Abuse doesn't have to be physical in nature and if you worry that your loved one is being exploited and their available funds mismanaged, you should report it as soon as possible.

The Kentucky Cabinet for Health and Services fields reports of elder abuse and each case is investigated thoroughly to ensure residents in assisted living facilities are safe. If you believe there is a problem, you should contact the Kentucky Cabinet for Health and Services abuse hotline or if the victim is in immediate danger, you should contact local law enforcement.

Assisted Living Facilities in Kentucky



Top-Rated Caring Stars Winners in Kentucky’s Caring Stars award program recognizes the best assisted living facilities across the U.S. based on reviews from family caregivers and older adults. This award is meant to help older adults and their loved ones find the best assisted living or in-home care option in their area. The list below shows up to 10 listings that have won the most Caring Stars annual awards in their state, sorted by their current overall average rating. For a complete list of Caring Stars winners for each year, please visit our Caring Stars info center.


The Forum at Brookside

Louisville, KY Cost Levels

12 reviews


Liberty Ridge

Lexington, KY $

24 reviews


Magnolia Springs Lexington

Lexington, KY $$

10 reviews


Symphony at Valley Farms

Louisville, KY $$$

12 reviews


McDowell Place of Danville

Danville, KY $

13 reviews


Elmcroft of Florence - Kentucky

Florence, KY $

21 reviews


Massey Springs

Bowling Green, KY Cost Levels

5 reviews


Traditions at Beaumont

Louisville, KY $$

9 reviews


Morning Pointe of Frankfort

Frankfort, KY Cost Levels

10 reviews