Located in western Kentucky, Owensboro is a cultural hub sought out for its recreational amenities and affordability. It has over 60,000 residents and a senior community that makes up nearly 18% of the population.  

Assisted living is a popular option among seniors who want to maintain their privacy and independence but need help with some daily living activities. These residential facilities provide daily snacks and meals, personal care and curated social and recreational activities. Some facilities feature amenities such as on-site libraries, salons, pools and fitness centers for greater comfort and convenience. While local assisted living cost data isn’t available, the Genworth 2020 Cost of Care Survey reports that seniors pay $3,699 per month on average, well below the national rate. 

This guide introduces assisted living in Owensboro by highlighting the benefits and drawbacks of living in this city and providing information on how local facilities are licensed and governed. It also breaks down the cost of assisted living and other senior care options and outlines local programs and agencies that help seniors make informed decisions regarding their long-term care.

Directory of Assisted Living Facilities in Owensboro, KY

One Park Place

2701 Frederica St., Owensboro, KY, 42301

My in-laws moved into One Park Place. It’s assisted living and they are at enhanced care. They receive 2 meals a day, they give them their meds, they have housekeeping once a week, and they do 2 loads … (read more)
My in-laws moved into One Park Place. It’s assisted living and they are at enhanced care. They receive 2 meals a day, they give them their meds, they have housekeeping once a week, and they do 2 loads … (read more)

Heritage Place

3362 Buckland Square, Owensboro, KY, 42301

The staff at Heritage Place was very friendly, and they seemed very caring about their residents. The residents were very friendly. They seemed to have adequate staffing, and they had activities going … (read more)
The staff at Heritage Place was very friendly, and they seemed very caring about their residents. The residents were very friendly. They seemed to have adequate staffing, and they had activities going … (read more)

Roosevelt House

2920 Yale Place, Owensboro, KY, 42301

Roosevelt House is centrally located in the northern Kentucky city of Owensboro, just a mile from Legion Park and the Owensboro Country Club. Residents have access to several popular amenities includi … (read more)
Roosevelt House is centrally located in the northern Kentucky city of Owensboro, just a mile from Legion Park and the Owensboro Country Club. Residents have access to several popular amenities includi … (read more)

Cedarhurst of Owensboro

1900 Pleasant Valley Road, Owensboro, KY, 42303

I went to Cedarhurst of Owensboro. We visited with Andrea, the customer relations person, and she was very nice. They offer memory care, and they are licensed as a personal care facility. They offer t … (read more)
I went to Cedarhurst of Owensboro. We visited with Andrea, the customer relations person, and she was very nice. They offer memory care, and they are licensed as a personal care facility. They offer t … (read more)

What to Consider About Assisted Living in Owensboro

Assisted living facilities in Owensboro must be certified annually by the Kentucky Cabinet for Health and Family Services. This governing body enforces compliance with a range of regulations to support residents’ comfort and health through scheduled and unannounced visits. It also investigates reports of noncompliance or inferior quality of care.

Benefits and Drawbacks of Assisted Living in Owensboro

  • Owensboro is an affordable place to live, even compared to the rest of Kentucky, where the overall cost of living is about 15% below the national median. Housing costs are especially low, and utilities are relatively affordable, which may result in competitive assisted living rates. Transportation costs such as auto insurance and gasoline are also low compared to the state averages. 
  • Kentucky’s income tax laws are friendly towards retirees and may help assisted living residents in Owensboro to afford their care more easily. Seniors don’t pay state taxes on Social Security benefits, and while other types of retirement income are taxed, a large deduction is available to minimize the financial burden. Property and sales taxes are low. 
  • Owensboro residents enjoy four distinct seasons, with year-round temperatures ranging between 25 and 89 degrees. Spring and autumn are the most comfortable months, featuring mild temperatures and low humidity levels. Summers are hot and July is particularly humid. Winters are chilly, but the city sees just 7 inches of annual snowfall, which may appeal to those who do their own driving or rely on mobility aids.  
  • Property crime is somewhat prevalent in Owensboro, but the violent crime rate is relatively low. On a 100-point crime index, with a higher score representing more incidents, Owensboro’s property crime rate is 56.1 versus the national average of 35.4, and the violent crime rate is about seven points lower than the national figure at 15.8. This type of crime happens considerably less in Owensboro than in similarly sized cities such as Bowling Green.  
  • Healthcare is slightly more expensive in Owensboro than in the nation as a whole, and there are about 20 fewer physicians per 100,000 people than the national median. The city is home to Owensboro Health Regional Hospital, a 477-bed facility with 24-hour emergency care. 

Paying for Assisted Living in Owensboro

Assisted living cost data isn’t available for Owensboro, but in general, Kentucky is an inexpensive place to obtain this type of care. Statewide, seniors pay $3,699 per month for care, well below the national median of $4,300.

The Cost of Assisted Living in Nearby Cities 

Across Kentucky, assisted living fees vary between $3,550 and $4,557, making it a relatively affordable option for this type of care. In Bowling Green and Elizabethtown, the closest surveyed cities to Owensboro, seniors pay $3,550 per month for assisted living. The Lexington area is costlier, with monthly fees exceeding state and national averages at $4,400 per month. The Louisville/Jefferson County region is the priciest surveyed option at $4,557.

$3699

Kentucky

$4300

The United States

$3550

Bowling Green

$3550

Elizabethtown Area

$4557

Louisville/Jefferson County

$4400

Lexington Area

The Cost of Other Types of Senior Care

Owensboro seniors have several care options depending on their lifestyles and budgets. For those who prefer to live in their own homes, care is affordable at $3,623 per month for 44 hours of weekly care. This rate applies to homemaker services, which offer a comparable scope of care to assisted living, as well as specialized home health aide care for those who need skilled nursing services. Adult day health care is the cheapest option at $1,472 per month and features personal care and skilled nursing services in a daytime community setting. Local assisted living data isn’t available, but statewide, seniors pay $3,699 for this care. Nursing homes charge the highest rates per month, with residents in shared rooms paying $7,787 for care and those in private rooms paying $8,730.

$3623

Homemaker Services

$3623

Home Health Aide

$1472

Adult Day Health Care

$7787

Nursing Home Facility (semiprivate room)

$8730

Nursing Home Facility (private room)

Financial Assistance for Assisted Living in Owensboro

While Kentucky does not use Medicaid to cover assisted living services, seniors who receive Supplemental Security Income and the optional state supplement may use this benefit toward expenses.

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

Paying for Assisted Living Facilities 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 Owensboro

Owensboro seniors have access to a broad range of resources to help them make the best decisions for their long-term care needs. The following table features local nonprofit agencies and programs that provide one-on-one options counseling, benefits screenings, information and referrals for community-based services and social and recreational activities.

Resource 

Contact 

Service 

(270) 926-4433 

The Green River Area Development District is the designated Area Agency on Aging and Aging and Disability Resource Center for the Owensboro region. Through its Aging & Disability Services program, it provides health insurance options counseling to help older adults identify the best ways to pay for assisted living, and it operates the region’s Senior Medicare Patrol program to reduce Medicare waste and fraud. It also has a Veteran-Directed Home and Community Based Services program to help veterans access the services they need. 

(270) 684-5034 

The Kentucky Department of Veterans Affairs: District 5 office serves veterans in Owensboro and the surrounding region. This local office specializes in helping veterans obtain the benefits they’re entitled to, including the Aid and Attendance benefit and pension programs, which can help cover assisted living. The office can also connect individuals with social support, volunteer opportunities and community-based services.

(270) 687-4640 

The local senior center provides a range of social and recreational activities for older adults in the Owensboro region. It has a rotating calendar with activities such as dance classes, bingo, yoga, crafts and line dancing. It also helps qualifying seniors access benefits and services such as senior counseling services, Medicaid assistance and transportation. 

(270) 683-1527 

Audubon Area Community Services operates the region’s Retired and Senior Volunteer Program, which connects those aged 55 and over with volunteer opportunities in the community. Volunteer options include mentoring and tutoring local children in their schools, distributing food in food banks and providing administrative support for nonprofit agencies.

(270) 683-4585 

Kentucky Legal Aid specializes in age-related issues such as drafting wills, assigning powers of attorney and reviewing assisted living contracts and payment arrangements. The office can also help seniors resolve issues related to public benefits such as denied Medicare claims or Social Security overpayment.

Assisted Living Laws and Regulations in Owensboro

Owensboro-area assisted living communities must adhere to the comprehensive set of state laws and regulations that all assisted living communities 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