A low cost of living and a safe, clean environment make Somerset an attractive city for seniors to retire. Of the 11,585 people who live in this city, 19.1% are  65 and older, which is a significantly higher percentage than the national average of 16.5%.     

Assisted living facilities in Somerset are available for seniors who need a bit of help performing daily activities, such as bathing, grooming, dressing, light housekeeping and taking medication. Seniors who don’t need help with these types of activities may want to stay in their homes or move to an independent living community. Nursing homes in Somerset are more appropriate for seniors who require a high level of medical care and supervision around the clock. Assisted living facilities in Somerset cost an average of $4,400 per month.

Seniors and families can use this guide to learn more about the costs of assisted living and other types of senior care. Links to free resources in the community are also available.

Directory of Assisted Living Facilities in Somerset, KY

The Neighborhood of Somerset

100 Neighborly Way, Somerset, KY, 42503

Our experience with The Neighborhood of Somerset was very good. The staff during the tour was very helpful. The facility was very nice. It’s a very good location. The apartments were very pleasant and … (read more)
Our experience with The Neighborhood of Somerset was very good. The staff during the tour was very helpful. The facility was very nice. It’s a very good location. The apartments were very pleasant and … (read more)

Highlands Place

225 Norfleet Drive, Somerset, KY, 42501

I took a tour of Highlands Place for my father, and they were lovely and wonderful. It was a lovely facility, and it had beautiful grounds. The woman who took me on the tour was great. The place seeme … (read more)
I took a tour of Highlands Place for my father, and they were lovely and wonderful. It was a lovely facility, and it had beautiful grounds. The woman who took me on the tour was great. The place seeme … (read more)

Crestview Personal Care

235 South Richardson Drive, Somerset, KY, 42501

I have family at The Crestview Personal Care/Assisted Living. The Crestview is actually two separate buildings. There is a personal care facility and an assisted living facility. There is no skilled … (read more)
I have family at The Crestview Personal Care/Assisted Living. The Crestview is actually two separate buildings. There is a personal care facility and an assisted living facility. There is no skilled … (read more)

What to Consider About Assisted Living in Somerset

The Kentucky Department for Aging and Independent Living certifies assisted living communities in Somerset every year. The certification checklist ensures that each facility adheres to Kentucky Revised Statutes Chapter 194A and Kentucky Administrative Regulations Title 910.

Benefits and Drawbacks of Assisted Living in Somerset

  • Somerset is a very affordable place for seniors to live. The cost of living is 23.8% lower than the national average and 7.4% lower than the Kentucky average. Each cost index in Somerset is lower than the national average, including health care and transportation. These low costs can make it easier for families in the area to access assisted living services. 
  • Seniors in Somerset can exempt all of their social security and railroad retirement income from Kentucky income tax. All types of retirement income are exempt up to $31,110. Seniors also benefit from low sales tax in Kentucky, which is a flat 6% for all cities. Counties and municipalities are prohibited from raising the sales tax.
  • Since 2013, there have been zero days of high ozone pollution in Somerset. That’s why the American Lung Association gives Pulaski County an A for ozone pollution. The county also gets an A for particle pollution, so seniors can feel comfortable knowing that the air is healthy when they go outside. 
  • Somerset has a humid subtropical climate with warm summers and mild winters. As one of the wettest parts of the county, the city gets an average of 50 inches of rain per year. Snowfall levels, however, are just 10 inches per year. The high temperature in July averages 86 degrees. 
  • While property crime in Somerset is high compared to the national average, violent crime rates are 39% lower than the United States average. Families concerned about protecting their valuables can find assisted living facilities in Somerset that use high-tech security features, such as controlled access points and video surveillance. 

Paying for Assisted Living in Somerset

According to Genworth’s Cost of Care Survey for 2020, the average cost of assisted living in Somerset is $4,400 per month. This is similar to the national average of $4,300 but $700 more than the average for Kentucky, which is $3,699 per month.

The Cost of Assisted Living in Nearby Cities 

While the average cost for assisted living in Somerset is high for Kentucky, it’s not the highest in the state. At $4,557 per month, Louisville has the most expensive assisted living costs in Kentucky. The Cincinnati, Ohio, metro area is very close to Somerset and has an average assisted living cost of $4,750 per month. Prices decrease a bit to the south and east in Elizabethtown, where the monthly average is $3,550.

$4400

Somerset

$3699

Kentucky

$4300

The United States

$4557

Louisville

$3550

Elizabethtown

$4750

Cincinnati, OH

The Cost of Other Types of Senior Care

Compared to assisted living, there are both more and less expensive senior care options in Somerset. Adult day health care is just $1,768 per month but may not be adequate for every family. Nursing home facilities, which cost $7,178 for a semiprivate room and $8,958 per month for a private room, offer a high level of care for seniors who need round-the-clock supervision. Home care in Somerset is almost the same cost as assisted living at $4,385 per month for both homemaker services and home health aides. 

$4385

Homemaker Services

$4385

Home Health Aide

$1768

Adult Day Health Care

$4400

Assisted Living Facility

$7178

Nursing Home Facility (semiprivate room)

$8958

Nursing Home Facility (private room)

Note: Care cost data for Somerset was not available, so data for the closest city, Lexington, was used instead.

Financial Assistance for Assisted Living in Somerset

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 Somerset

The city of Somerset and the state of Kentucky, often with help from the federal government, offer free resources for seniors in and out of assisted living communities. 

Resource

Contact

Service

(270) 866-4200 

The Lake Cumberland Area Development District operates a wealth of programs designed to help seniors and families with issues related to assisted living. The ombudsman program strives to protect the rights of assisted living residents by addressing reports of abuse and advocating at the local, state and federal level. The Kentucky State Health Insurance Assistance Program helps families obtain the health benefits they deserve. Low-income and disabled seniors can also get legal assistance from LCADD.

(859) 432-6121

Senior veterans in Somerset can contact Region 16 of the Kentucky Department of Veterans Affairs to apply for benefits or resolve issues with their existing pensions. Field representatives can also help veterans obtain Aid & Attendance benefits, which are extra payments that fund caregiving services, including those provided in an assisted living facility. Surviving spouses and dependents may be eligible for these benefits. 

(606) 679-1860

Active seniors in Somerset can find many activities at the Rocky Hollow Recreation Center. Amenities at the center include a basketball court, walking track, community room and party room. This 38,000-square-foot facility also hosts SilverSneakers, an exercise class for older adults, and senior yoga. While many activities at the center are free for seniors, membership for special events and programs is available at a discount.

(859) 218-7979

The Lexington chapter for CATS Network aims to ensure that every at-need senior in Somerset and the surrounding region has access to the assistive technology they need. It accomplishes this goal by loaning free equipment and providing demonstrations that show seniors how to use the technology. This program is operated by the University of Kentucky's Human Development Institute. 

Assisted Living Laws and Regulations in Somerset

Somerset-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