Assisted Living in Louisville, Kentucky
Louisville is the largest city in Kentucky and the Jefferson County seat. Situated on the Ohio River, right along the border of Indiana, Louisville has a population just over 617,000 with 14.5% of this population aged 65 or older. The Bluegrass State is tax-friendly to retirees with Social Security income tax-exempt and significant deductions allowed for other types of retirement income. Ranked the fifth most affordable city for early retirement due to its low cost of living, lower than average sales tax and affordable health care costs, Louisville also hosts the renowned Kentucky Derby horse race each year at Churchill Downs.
Kentucky ranked third in USA Today’s 10 least expensive states to live, making Louisville a popular retirement destination. Seniors looking to retire in an assisted living community can expect to pay an average monthly cost of $4,073, but costs may vary based on what type of community, amenities and services are offered.
Paying for Assisted Living in Louisville, KY
The Cost of Assisted Living in Louisville
With an average monthly cost of $4,073, the cost of assisted living in Louisville is more than $500 higher than the state average of $3,497, but nearly even with the national average of $4,051. Kentucky is surrounded by several states, so there’s a wide range of costs compared to Louisville. The two biggest contrasts are Missouri with a monthly cost of nearly $1,200 lower and Virginia with a monthly cost of more than $700 higher. Of the remaining states, Louisville is about $300 higher than West Virginia, nearly $200 higher than Tennessee and only slightly lower than Indiana, but it’s nearly $100 lower than Illinois and over $250 lower than Ohio.
Within the state, Louisville is often more expensive per month compared to other cities. The biggest contrast inside Kentucky’s borders is Owensboro, where the average cost of assisted living is $1,900 cheaper per month. Elizabethtown is about $650 less, and Bowling Green about $450 less, but Lexington is around $225 more per month. Because Louisville is right on the Indiana border, it’s worth comparing with Evansville, Indiana, which is also less by about $250.
Louisville Assisted Living Financial Assistance
Unlike nearly every other state in the country, Kentucky is one of only four states that doesn’t offer a Home and Community Based Waiver to help defray costs associated with assisted living facilities. The Kentucky Department for Medicaid Services offers several HCB waivers, but none cover assisted living expenses. The state also has several non-Medicaid programs for the elderly, but these won’t cover assisted living either. Seniors in Kentucky have limited options for assisted living financial assistance and may have to consider alternate sources, such as reverse mortgages, long-term care insurance or cashing out life insurance policies.
Learn more about possible ways to pay for assisted living on our Assisted Living in Kentucky page.
Louisville Assisted Living Resources
|Kentucky Cabinet for Health and Family Services, Department for Aging and Independent Living||(502) 564-6930||The Kentucky Department for Aging and Independent Living oversees several statewide programs and services for seniors and disabled persons, including assisted living community certification, caregiver support services, the Hart-Supported Living program, Participant Directed Services and the Traumatic Brain Injury Trust Fund.|
|Kentuckiana Regional Planning & Development Agency’s Area Agency on Aging & Independent Living||(502) 266-5571||KIPDA’s Area Agency on Aging & Independent Living oversees the Aging and Disability Resource Center, which provides advice, counseling and assistance to aging adults about long-term services and supports. It also connects seniors to valuable public and private programs and resources to help with housing, housekeeping and chore service, in-home personal care, home modifications, adaptive equipment, home-delivered meals, transportation, caregiver support, respite care and Medicare, Medicaid and Social Security benefits.|
|Kentucky Department of Veterans AffairsVA Louisville Regional Office||(502) 595-4447(800) 827-1000||The Kentucky Department of Veterans Affairs assists military veterans of the Commonwealth of Kentucky with several types of program and help with filing claims and appeals and filling out VA health care applications without charge.|
|Resilience and Community Services Office for Aging & Disabled Citizens||(502) 574-4377||Louisville’s Resilience and Community Services Office for Aging & Disabled Citizens advocates for rights, policies and funding that help enhance the lives and independence of seniors and disabled individuals. It also serves as a resource of information, referrals and consultations to individuals and community groups with concerns involving aging or disabilities.|
|Age-Friendly Louisville||(502) 852-5629||Age-Friendly Louisville works to help the city become accessible for people of all ages and abilities, which includes physical, social, economic and health concerns for older residents and residents of all ages. It also offers housing resources for aging in place home modifications for older adults and disabled persons.|
|Louisville Metro Senior Nutrition Program||(502) 574-6325||The Louisville Metro Senior Nutrition Program supports the nutritional health and well-being of older adults by providing nutritious lunches to seniors at Congregate Meal Sites and delivering lunches to housebound seniors through its Meals on Wheels program.|
|ElderServe||(502) 587-8673||ElderServe is a nonprofit organization providing a wide range of supportive services for active and the most vulnerable older adults. Social services and programs are free to eligible Jefferson County residents age 60 or older, including adult day health centers, care management, crime victim services, financial management, home care, senior companions, senior centers, telecare and wellness programs.|
Louisville Assisted Living Laws and Regulations
Assisted living communities in Kentucky must be certified yearly by the Kentucky Department for Aging and Independent Living. This department oversees and sets the regulations for assisted living facilities and personal care homes. Visit our Assisted Living in Kentucky page to learn more about these extensive state laws and regulations.