Kentucky is located in the southeastern portion of the United States. It is home to the Kentucky Derby at Churchill Downs and the Mammoth Cave National Park, two of the most popular attractions. Seniors can also hike in Cumberland Falls State Resort Park or the Daniel Boone National Forest. Summers are hot and humid with July highs around 87, and winters are cold with average snowfalls of 11 inches. The state is relatively affordable for retirees. Social security income is not taxed, and the cost of living is low compared to the national average. 

Independent living is any housing arrangement built specifically for seniors and older adults ages 55 and older. Unlike assisted living that provides help with daily living tasks like grooming and bathing, independent living is aimed at seniors who are still active and can take care of themselves with little to no help. In Kentucky, the cost of Independent living is around $2,404 per month.

This guide covers the cost of independent living within the state and surrounding areas and offers a guide to some of the most common resources for seniors in Kentucky.

The Cost of Independent Living in Kentucky

Note: While there aren’t any go-to, authoritative sources for citywide, statewide or national Independent Living costs in the United States, it’s generally between 30-40% more affordable than Assisted Living care. To calculate Independent Living costs, we reduced the Assisted Living costs reported in Genworth’s 2021 Cost of Care Survey by 35%.

Kentucky’s statewide Independent Living costs are among the lowest in the nation at $2,241 per month, which is $684 below the U.S. average of $2,925. Independent Living in nearby states costs anywhere between $1,950 (Missouri) and $3,413 per month (Virginia)Seniors living in Ohio pay an average of $3,013 per month, $772 more than Kentucky’s average, while Illinois seniors pay $676 more per month than those in Kentucky. In Tennessee, Independent living costs an average of $2,668 per month, $427 less than in Kentucky.

$2241

Kentucky

$2925

The United States

$2668

Tennessee

$1950

Missouri

$3413

Virginia

$3013

Ohio

$2917

Illinois

Throughout Kentucky, the average cost of Independent Living ranges from as low as $1,950 per month — such as in Owensboro, which is $291 below the state average — to as high as $2,969, which is Lexington’s average monthly cost. Louisville and Bowling Green share similar Independent Living costs with both cities averaging $2,275 per month. Elizabethtown costs just $2,096 per month, which is $145 below the statewide average.

$2969

Lexington

$2275

Louisville

$1950

Owensboro

$2096

Elizabethtown

$2275

Bowling Green

$3033

Cincinnati, OH

In the Bluegrass State, Independent Living is one of the most cost-friendly types of senior care available. Adult Day Care is the most affordable option, averaging $1,690 per month — $551 less expensive than Independent Living. Home care and home health care both average $2,526 per month more than Independent Living. Nursing homes are the most expensive type of senior care in Kentucky, costing anywhere between $7,178 to $7,969 per month — or $4,937 to $5,728 greater than Independent Living costs.

$2241

Independent Living

$4767

Home Care

$4767

Home Health Care

$1690

Adult Day Care

$7178

Nursing Care (semiprivate)

$7969

Nursing Care: (private)

Can You Use Medicare or Medicaid to Pay for Independent Living in Kentucky?

Unfortunately, you cannot use Medicaid and Medicare to help pay the monthly fee for residing in an Independent Living community. For seniors who need help with Activities of Daily Living (ADLs), there may be financial assistance programs available to help cover the cost of care in Independent Living. For more information about financial assistance for those who need a higher level of care, read our guide to Assistant Living in Kentucky.

Read on for more information about using alternative means to make Independent Living more affordable, such as retirement funds, the sale of a home, etc.

Paying for Independent Living in Kentucky

Seniors who opt for independent living typically must pay for the service out-of-pocket because most insurance companies, including Medicaid, won’t pay for it. Some of the most popular payment methods include personal funds, including savings and reverse mortgages that allow seniors to access funds from the value of their homes. Others use their Social Security benefits or pensions to pay for independent living, while some use annuities from investments. The U.S. Department of Housing and Urban Development also has several programs that help low-income seniors find safe and affordable living arrangements. 

Independent Living Resources in Kentucky

The following is a list of popular resources for seniors and their family members in Kentucky. Many of these are free or low-cost.

Resource
Contact
Service
(502) 564-6930
The Department for Aging and Independent Living is the agency that oversees the various programs and services for seniors throughout the state. These programs include the long-term care ombudsman, supported living, caregiver support services and assisted living community information and certification.
(502) 938-5102
The Kentucky Senior Living Association helps seniors locate senior living communities in their area and answers questions on the available programs and services. The association can also give information on support groups and public events. 
(855) 481-6777
The Kentucky Homecare Program helps older adults who prefer to age in place with home and community-based services. Assistance includes housekeeping, home-delivered meals, personal care and respite relief. 
(502) 574-5092
The Office for Aging and Disabled Citizens advocates for the rights of seniors by holding community events and providing leadership for programs and services that can improve the lives of older adults. Age-Friendly is the agency's community initiative that helps ensure services are accessible to all older adults. This includes home-delivered meals, senior medical patrol and a disability and accessibility complaint portal. 
(502) 574-1530
RSVP helps seniors remain active in their communities through various programs and activities. This includes the Foster Grandparents program that matches a senior with a struggling child in school. The program also includes other volunteer opportunities like collecting blankets for the homeless and serving as a companion to another senior. 

COVID-19 Rules for Independent Living in Kentucky

The following information is based on research done on several government websites, including chfs.ky.gov. These rules apply to Independent Living Communities and other types of senior living facilities. We’ve most recently updated this data on 2/8/2022, but since COVID-19 is a rapidly evolving pandemic, contact your local senior living facility or Area Agency on Aging for more specific and up-to-date information.

Visitation Policies

Rules for Kentucky Communities

Are loved ones allowed to visit to provide emotional support?

Yes (Conditions Apply)

Are relatives allowed to visit for end-of-life care?

Yes

Are residents required to quarantine after visiting with a loved one?

No

Are visitors required to wear PPE (including masks) in order to visit residents?

Yes

Are non-medical contractors (such as hairdressers and entertainers) allowed in senior living facilities?

Yes

Are visitors checked for elevated temperatures?

Yes

Are visitors required to answer questions about health, travel, and potential virus contact?

Yes

Outings & Social Activities

Rules for Kentucky Communities

Are residents allowed to leave (errands, visiting family, etc.) for non-medical reasons?

Yes

Are residents who leave required to quarantine when they return?

No (Conditions Apply)

Are senior living communities required to cancel all group outings?

No

Are residents allowed to eat meals together in a common area?

Yes (Conditions Apply)

Are residents allowed to gather in common areas for group activites?

Yes (Conditions Apply)

COVID-19 Safety Measures for Staff and Residents

Rules for Kentucky Communities

Are staff members regularly required to do a temperature check?

Yes

Are staff members regularly tested for COVID-19?

Yes (Conditions Apply)

Are staff members members regularly required to do a health and safety screening, including questions about travel, contact with positive cases, etc?

Yes

Are residents regularly screened for COVID-19 symptoms?

Yes

Are residents regularly checked for elevated temperatures?

Yes

Are residents regularly tested for COVID-19?

Not Available*

*Note: This information was not available for this state, contact your local area agency on aging or senior living facility for more information.

Find Independent Living Communities in Kentucky

Use the tool below to find Independent Living Communities near you – if you’d like to search in a specific city in Kentucky, simply put that in the search bar below.

Holiday Oxmoor Lodge

8021 Christian Ct, Louisville, KY, 40222

I went to see Oxmoor Lodge yesterday and it was very nice. They showed me one of the two-bedroom apartments. It was small but it was probably doable. The only problem I have is that there’s no kitche … (read more)
I went to see Oxmoor Lodge yesterday and it was very nice. They showed me one of the two-bedroom apartments. It was small but it was probably doable. The only problem I have is that there’s no kitche … (read more)

2022

StoryPoint Middletown

500 Meridian Hills Drive, Louisville, KY, 40243

<p>We’re very excited to bring StoryPoint to Kentucky! StoryPoint Senior Living provides exceptional services to seniors in Middletown, Kentucky, and the surrounding areas. Offering independent and … (read more)
<p>We’re very excited to bring StoryPoint to Kentucky! StoryPoint Senior Living provides exceptional services to seniors in Middletown, Kentucky, and the surrounding areas. Offering independent and … (read more)

Holiday Ponder Creek Estates

620 Valley College Dr, Louisville, KY, 40272

I’m already at Holiday Ponder Creek Estates. The apartment I’m in is better than any I’ve ever lived in. The people here are great. The food is good. They give you everything you need. There’s nothing … (read more)
I’m already at Holiday Ponder Creek Estates. The apartment I’m in is better than any I’ve ever lived in. The people here are great. The food is good. They give you everything you need. There’s nothing … (read more)

Wesley Manor

5012 East Manslick, Louisville, KY, 40219

Spread across a 35-acre campus near the Gene Snyder Freeway in Louisville, Kentucky, Wesley Manor advertises itself as a "Life Plan Retirement Community" because of the immense array of services provi … (read more)
Spread across a 35-acre campus near the Gene Snyder Freeway in Louisville, Kentucky, Wesley Manor advertises itself as a "Life Plan Retirement Community" because of the immense array of services provi … (read more)

2020

Traditions at Beaumont

10210 Long Home Road, Louisville, KY, 40291

Located one mile from I-265 in the Fern Creek section of Louisville, Kentucky, Traditions at Beaumont is a modern community offering independent living, assisted living and memory care. Traditions at … (read more)
Located one mile from I-265 in the Fern Creek section of Louisville, Kentucky, Traditions at Beaumont is a modern community offering independent living, assisted living and memory care. Traditions at … (read more)

Vitality Living Stony Brook

3451 South Hurstbourne Parkway, Louisville, KY, 40299

Serving as a welcoming assisted-living facility in Louisville, Kentucky, Atria Stony Brook aims to keep residents feeling active and happy. With a tiered-approach to care and a separate memory ward, t … (read more)
Serving as a welcoming assisted-living facility in Louisville, Kentucky, Atria Stony Brook aims to keep residents feeling active and happy. With a tiered-approach to care and a separate memory ward, t … (read more)

Vitality Living Springdale

4501 Springdale Road, Louisville, KY, 40241

Springdale offers independent and assisted living in a peaceful Louisville, Kentucky, suburb not far from the area’s bluegrass farms. The senior facility encourages an active lifestyle, and its locati … (read more)
Springdale offers independent and assisted living in a peaceful Louisville, Kentucky, suburb not far from the area’s bluegrass farms. The senior facility encourages an active lifestyle, and its locati … (read more)

Village Crossing

2400 Arnold Palmer Blvd, Louisville, KY, 40245

I toured Village Crossing and I liked their restaurant, the cleanliness of the place, the size of the rooms, the convenience of the place from where I live, and the amenities. The staff was very well … (read more)
I toured Village Crossing and I liked their restaurant, the cleanliness of the place, the size of the rooms, the convenience of the place from where I live, and the amenities. The staff was very well … (read more)


Christian Care Communities – Middletown

11530 Herrick Ln, Louisville, KY, 40243

I am so happy to call this special place home. I can drive to nearby shopping and restaurants easily. I have made many new friends. The staff are friendly and helpful if I need anything.
I am so happy to call this special place home. I can drive to nearby shopping and restaurants easily. I have made many new friends. The staff are friendly and helpful if I need anything.

Vitality Living St. Matthews

120 South Hubbards Lane, Louisville, KY, 40207


Harmony at Tucker Station

12523 Taylorsville Road, Louisville, KY, 40299


2015, 2016, 2020

The Forum at Brookside

200 Brookside Drive, Louisville, KY, 40243

My wife and I have chosen The Forum at Brookside but we haven’t made plans of moving. We have toured the place and we just liked the atmosphere of it, the whole aspect of the cleanliness, we felt that … (read more)
My wife and I have chosen The Forum at Brookside but we haven’t made plans of moving. We have toured the place and we just liked the atmosphere of it, the whole aspect of the cleanliness, we felt that … (read more)

Forest Hills Commons

9107 Taylorsville Rd., Louisville, KY, 40299

For the active senior in Louisville, Kentucky, Forest Hills Commons is a great assisted-living option. Residents enjoy the busy calendar of on-site and off-site activities and events, as well as the r … (read more)
For the active senior in Louisville, Kentucky, Forest Hills Commons is a great assisted-living option. Residents enjoy the busy calendar of on-site and off-site activities and events, as well as the r … (read more)

2015

Wickshire Blankenbaker

901 Blankenbaker Parkway, Louisville, KY, 40243

Wickshire Blankenbaker, a senior living facility, is located on a scenic expanse of land in Louisville, Kentucky, conveniently close to I-64, a local coffee shop and restaurants. A commitment to perso … (read more)
Wickshire Blankenbaker, a senior living facility, is located on a scenic expanse of land in Louisville, Kentucky, conveniently close to I-64, a local coffee shop and restaurants. A commitment to perso … (read more)

Forest Springs Health Campus

4120 Wooded Acre Lane, Louisville, KY, 40245

Forest Springs Health Campus is an independent living, assisted living and respite care community east of Louisville, Kentucky, near the neighborhood of Bannon. The community offers private and semi-p … (read more)
Forest Springs Health Campus is an independent living, assisted living and respite care community east of Louisville, Kentucky, near the neighborhood of Bannon. The community offers private and semi-p … (read more)

Masonic Home of Louisville

3701 Frankfort Avenue, Louisville, KY, 40207

Masonic Home of Louisville was a 5-acre campus with assisted living and independent living in separate buildings connected on a road. The buildings were awesome. They had apartments with a kitchen, ba … (read more)
Masonic Home of Louisville was a 5-acre campus with assisted living and independent living in separate buildings connected on a road. The buildings were awesome. They had apartments with a kitchen, ba … (read more)

Everlan of Louisville

5900 Hunting Road, Louisville, KY, 40222

The Everlan of Louisville’s facility is smaller and older, but I felt very good about it. The staff that I’ve spoken to have been wonderful. I’m looking ideally for 2-bedrooms and the size of the ones … (read more)
The Everlan of Louisville’s facility is smaller and older, but I felt very good about it. The staff that I’ve spoken to have been wonderful. I’m looking ideally for 2-bedrooms and the size of the ones … (read more)

Brownsboro Park

2960 Goose Creek Road,, Louisville, KY, 40241

There were a lot of people in Brownsboro Park who were hanging out and looking like they were having a good time. The inside was dated, but the person who did the tour was excellent. She was very fort … (read more)
There were a lot of people in Brownsboro Park who were hanging out and looking like they were having a good time. The inside was dated, but the person who did the tour was excellent. She was very fort … (read more)

The Altenheim

936 Barret Avenue, Louisville, KY, 40204

I went to Altenheim. It was kind of old and sweet. The person that showed me around was very experienced. She was good, and she was honest. The reason he couldn’t go there was that there were some ste … (read more)
I went to Altenheim. It was kind of old and sweet. The person that showed me around was very experienced. She was good, and she was honest. The reason he couldn’t go there was that there were some ste … (read more)