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10 Best Assisted Living Facilities in Louisville, KY for 2023

Situated on the Ohio River, Louisville offers stunning views in this part of the Bluegrass State. Nearly 400,000 residents call the Louisville/Jefferson County metro home, with about 15% of them aged 65 or older. Louisville is a beautiful, historic Southern city known for its excellent park system, arts and music. It may appeal to seniors because it’s relatively budget-friendly, with a lower-than-average cost of living and various tax perks.

Seniors seeking a home-like environment where they receive personal assistance with daily activities but don’t require a high level of skilled nursing often benefit from assisted living. These residential communities support aging adults while encouraging continued independence by offering housekeeping services, daily meals and personal care as needed. Louisville’s average cost of assisted living is $3,500, which is just under the state average but significantly lower than the national average.

This information-packed guide provides information on assisted living in Louisville. It lists the average costs of assisted living in other Kentucky cities for comparison and the costs of other types of senior care. It also includes some pros and cons of living in Louisville and several free resources that help seniors remain independent.

Directory of 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

The average cost of assisted living in Louisville is $3,500 per month, per Genworth’s 2021 Cost of Care Survey. However, the final cost can vary based on living arrangements, services, amenities and various other factors.

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 Cost of Other Types of Senior Care

Assisted living isn’t the only type of senior care available in Louisville, but it does offer a middle ground to other options. Adult day health care is much lower but only provides limited services and support at an average cost of $1,809 per month. Services provided in the home are higher, at $4,767 for both in-home care and home health care. Nursing home care is more than double the cost of assisted living, at $7,452 per month, but it provides a much higher care level. 

In-Home Care

$4,767

Home Health Aide

$4,767

Adult Day Health Care

$1,809

Assisted Living Facility

$3,500

Nursing Home Facility

$7,452

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 Assisted Living Resources in Louisville

Even seniors in assisted living may have certain requirements not being met in these communities. Aging adults have numerous government and nonprofit entities in Los Angeles and throughout the county with free programs and services to help support various needs. These resources offer everything from legal assistance to transportation services.

ResourceContactService
Kentuckiana Regional Planning & Development Agency’s (KIPDA) Aging and Disability Resource Center (ADRC)(502) 266-5571KIPDA’s ADRC provides seniors with information on long-term services and support. It strives to empower seniors to make informed decisions about their long-term care through objective information and advice. It also helps aging adults access public and private programs for things like nutrition services, adaptive equipment programs and transportation services.
ElderCare(502) 587-8673ElderCare advocates for seniors through community education about elder abuse. It encourages social engagement and promotes wellness by offering group activities, health screenings, field trips and exercise programs at senior centers in Louisville and throughout its service area. Programs are free to eligible Jefferson County residents aged 60 or older.
Veterans Affairs Louisville Regional Office(800) 827-1000VA’s Louisville Regional Office administers services to ensure veterans receive all the benefits to which they’re entitled. It helps with compensation, insurance, pensions and employment. It also offers counseling on eligibility for VA benefits, helps with applying for benefits, provides information about VA health care and offers outreach to veterans.
Louisville Metro’s Retired and Senior Volunteer Program (RSVP)(502) 574-7306The Louisville Metro’s RSVP serves seniors aged 55 or older in Louisville and throughout Jefferson County. It recruits and supports older adults and their desire to volunteer their time and services to local agencies. Seniors have the opportunity to meet new people while improving their health and helping their community.
Project CARAT Louisville(502) 992-2448Project CARAT Louisville operates the assistive technology reuse program in the city. Its goal is to repurpose assistive technology and durable medical equipment to make it more accessible to those who need it, such as seniors in assisted living who might not be able to afford the devices they need.

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

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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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