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

The average cost of independent living is 30% to 40% less expensive than assisted living. We estimated the cost of independent living in Kentucky and surrounding states by subtracting 35% from the cost of assisted living from Genworth’s 2020 Cost of Care Survey

Kentucky seniors pay approximately $2,404 per month, which is less than the national average of $2,795. Seniors can also expect to pay less in Kentucky than in surrounding states. Tennessee residents pay around $2,695, while those in Illinois pay approximately $2,974. To the north, in Indiana and Ohio, seniors pay around $2,848 and $2,827, respectively. To the east, in Virginia, seniors pay more at $3,152 per month. 




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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.

Agencies on Aging(502) 564-6930The 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.  
Kentucky Senior Living Association(502) 938-5102The 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. 
Kentucky Homecare Program(855) 481-6777The 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. 
Kentucky Office for Aging and Disabled Citizens(502) 574-5092The 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. 
RSVP Kentucky(502) 574-1530RSVP 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.