Page Reviewed / Updated - September 14, 2020
World-renowned for its bourbon industry and the Kentucky Derby, the city of Louisville is a haven for retirees who love fun the Southern way. Its vibrant downtown offers an abundance of museums and galleries and a thriving performing arts scene for opera, drama, ballet, comedy and music enthusiasts. For an incredible experience along the Ohio River, seniors can stroll at Louisville Waterfront Park and take a lunch or dinner cruise on Belle of Louisville. But despite being the largest city in the Bluegrass State, Louisville retains a small-town charm that gives seniors a sense of community. The Derby City hosts festivals and cultural events all year long, and its charming suburban neighborhoods offer peaceful green spaces for golfing, horseback riding and nature appreciation.
Retirees considering age-friendly Louisville for assisted living should know that the area’s senior care costs depend on the level of care provided. In Kentucky, assisted living is a social model for seniors who are able to manage their health needs, while personal care is a medical model that provides nursing support in a noninstitutional setting. The average cost of assisted living in Louisville is $4,073 per month, which is higher than in most areas in Kentucky but comparable to the U.S. average.
Refer to our top 10 list of assisted living and personal care facilities in Louisville to see which one fits your needs. Additionally, find out more about the cost of assisted living in Louisville and what financial assistance programs are available.
200 Brookside Drive
Louisville, KY 40243
The Forum at Brookside is a J.D. Power-certified Five Star Senior Living community in a 40-acre gated campus near Middletown. We recommend this retirement village for seniors who prefer a large neighborhood in a peaceful country setting. Its park-like grounds have an abundance of mature trees and paved pathways for strolling, dog-walking and even horseback riding. In addition to two-bedroom independent living villas, there are studio, alcove and one-bedroom personal care floor plans in the community’s apartment buildings. These buildings have access to a large courtyard and the community clubhouse, which has an indoor pool.
3451 South Hurstbourne Parkway
Louisville, KY 40299
Atria Stony Brook is one of our top picks for its holistic Engage Life program and active social environment. This independent, assisted living and memory care community near Jeffersontown is conveniently situated across from a neighborhood shopping center. The exterior features multiple courtyards, spacious front porches and a large screened-in back porch. Residents can socialize in the game and billiards room, TV lounge and restaurant-style dining room. Activities include arts and crafts, baking, gardening, pet therapy and themed happy hours.
100 Shelby Station Drive
Louisville, KY 40245
We highly recommend The Enclave of Louisville for its beautiful surroundings and caring atmosphere. This personal care and memory care community is located on U.S. Route 60, east of Middletown and near the Interstate 265 interchange, keeping residents close to Middletown’s shopping centers. Its park-like campus has three courtyards with large patio areas and well-maintained landscaping, while the front porches have cushioned rocking chairs and offer relaxing open outdoor views. Other inviting amenities include a bistro, fitness center, salon/spa and well-stocked sunroom library with computer stations. Residents enjoy bingo, arts and crafts, baking, holiday parties and outings.
5012 East Manslick Road
Louisville, KY 40219
Founded in 1963 and managed by Methodist Retirement Homes of Kentucky, Wesley Manor operates with a mission-driven philosophy of care. We recommend this life plan community for its loving environment and seamless transitions in long-term care. Its lush 35-acre campus consists of The Village independent living homes, the Wesley Manor Health Care Center nursing facility and the pet-friendly Hoskinson House assisted living center, which includes the Aldersgate personal care and memory support wing. Hoskinson House amenities include a private courtyard, piano lounge, library, whirlpool spa and ice cream parlor.
4501 Springdale Road
Louisville, KY 40241
Atria Springdale showcases warm Kentucky charm and enjoyable country living, which is why it made our top 10 list. This independent, assisted living and memory care community is ideally situated in an idyllic residential neighborhood by the Interstate 71 and 265 junction, with local shopping centers conveniently located nearby. It has multiple patio areas with relaxing garden views, and its interior common areas include a cozy fireside lounge, piano lobby, restaurant-style dining room and well-stocked library. Engage Life activities, such as bingo, arts and crafts, themed dinners, happy hours and live entertainment, are enjoyed regularly.
10210 Long Home Road
Louisville, KY 40291
Traditions at Beaumont gives special attention to the little things that improve its residents’ quality of life, that’s why this retirement community is on our top 10 list. Its pet-friendly campus consists of independent living garden homes and a residential building for assisted living and memory care residents. The assisted living and memory care neighborhoods have their own courtyards and patio areas. Inviting common areas include a fitness center, movie theater, game and billiards area, library and salon. Residents can enjoy in-house activities, such as morning exercises, bingo, painting, Wii bowling and happy hours.
13600 LaGrange Road
Louisville, KY 40245
We added Magnolia Springs East Louisville in our top 10 list for its attractive country setting and engaging atmosphere. This assisted living and memory care community has expansive park-like grounds for strolling, wildlife watching and accommodating therapy horses. The rear courtyard and upper-floor back patio offer relaxing sitting areas with woodland views. Other inviting amenities include a putting green, theater room, bistro, library and game room. Residents are encouraged to stay physically, mentally and socially active through stimulating activities, such as fitness exercises, gardening, arts and crafts, live music and holiday parties.
4711 South Hurstbourne Parkway
Louisville, KY 40291
Purposely built with a single-level design, Morning Pointe of Louisville is our top recommendation for seniors who want an accessible homelike environment. Its 9-acre campus features separate personal care and memory care neighborhood buildings. The personal care neighborhood has three courtyards, with sitting areas, walking paths and flower gardens. All of its studio, alcove, one- and two-bedroom floor plans have ADA-compliant bathrooms and 24-hour emergency response systems. Residents stay socially engaged through various in-house recreational activities and meaningful community programs with local schools, churches, civic groups and volunteers.
9251 Stonestreet Road
Louisville, KY 40272
The serene environment and enriching activities at Brookdale Stonestreet make this facility one of our top choices for assisted living. The pet-friendly community is nestled in a tranquil wooded campus featuring paved walking paths, and its two-level building has front and rear patio areas that provide relaxing nature views. It has a fitness center, activity room, hair salon and multipurpose recreation room, with a community kitchen and theater area. Residents can look forward to scheduled B-Fit exercises, meditation sessions, themed afternoon socials, live performances and group outings.
6700 Overlook Drive
Louisville, KY 40241
For seniors who want carefree country living in a modern upscale environment, Sunrise of Louisville is our top choice. This personal care and memory care community features landscaped gardens, front porches, a gazebo, sunroom and an upper-floor patio, providing relaxing views of its wooded surroundings. Residents can socialize with neighbors and enjoy scheduled and spontaneous activities in the bistro, fireside piano lounge, activity room, fitness area and library corner.
The affordability of senior care in Louisville largely depends on what type of care is needed. According to the Genworth 2018 Cost of Care Survey, the average cost of in-home care in Louisville is nearly $500 over the state average, and the cost of nursing home services is roughly $250 over the state average. Louisville is a relatively affordable city for assisted living and adult day care, with the cost for both types of care coming in slightly below the statewide average.
In Louisville, assisted living costs an average of $3,498 per month, which is about $20 lower than the statewide median of $3,520 per month. In nearby Lexington, the cost of assisted living is roughly $500 more per month, and to the south of Louisville in Elizabethtown, assisted living costs are approximately $700 lower. The most affordable major city for assisted living in Kentucky is Owensboro, where care costs nearly half of what it does in Louisville.
In Louisville, the average cost of home care is $4,290 per month. This figure assumes 44 hours per week of homemaker services at roughly $24 per hour. With home care costs that are nearly $500 more than the state average, Louisville is the priciest major city in the state for home care services.
In Bowling Green, which lies to the southwest of Louisville, home care costs roughly $240 less per month, and in Lexington, which lies to the east of Louisville, seniors pay almost $290 less per month for home care services. The most affordable care is found in Elizabethtown, where home care costs are $858 less per month than in Louisville, and Owensboro, where the median monthly home care cost is $953 less.
Adult day care services are relatively affordable in Louisville, coming in roughly $30 less on average than the state median cost of care. Louisville is the second most affordable major city in the state for this type of care, with adult day care services costing an average of about $20 less in nearby Lexington. Bowling Green, Elizabethtown and Owensboro average between $1,560 and $1,962 per month for adult day care.
Compared to the cost of nursing home care in other major cities in Kentucky, the cost of this type of care in Louisville is near the median. A semi-private room in a nursing home costs an average of $7,087 per month in Louisville, which is almost $250 more than the average for all of Kentucky. Nursing home rates are higher in Elizabethtown and Owensboro, which average about $60 more and $500 more per month than Louisville, respectively. More affordable care is found in Lexington, where nursing home services cost an average of $6,768 per month, and Bowling Green, where seniors pay an average of $6,722 per month.
In Louisville, Medicaid provides coverage for some senior care costs for low-income individuals, including limited in-home personal care services and nursing home care. Seniors may also apply for Medicaid Waiver programs to cover other services, including personal care assistance, program coordination, respite care and case management. The state Medicaid plan is an entitlement program, meaning that all seniors who meet the eligibility requirements may receive services.
Eligibility for Medicaid in Louisville is determined by a number of factors, including family size, level of functioning, income and the federal poverty level. As of 2018, a senior applicant may have a monthly income of up to $2,250, which is equivalent to 300% of the current Federal Benefit Rate, and assets up to $2,000. Some assets are exempt from this calculation, including a senior’s primary residence, vehicle and personal belongings. Some applicants who do not meet income and asset limits may still be eligible for Medicaid services. A Medicaid Planning Professional can provide further information regarding eligibility guidelines.
The Home and Community Based Services Waiver Program
The Home and Community Based Services Waiver Program provides Louisville seniors with supports to age in place. Some benefits provided by this waiver program include adult day care, homemaker services, environmental and minor home modifications, personal care assistance, home-delivered meals and respite care. Program participants can make their own arrangements for non-medical care assistance, and family members, including spouses, may be hired as caregivers. More information regarding program benefits and eligibility guidelines may be found here.
The Kentucky Hart-Supported Living Program
The Kentucky Hart-Supported Living Program is a state-funded program that provides grants to disabled Louisville residents, enabling them to live independently or in the home of a family member. Program participants may self-direct their care, choosing which supports are most beneficial and who will provide them. Some supports that are covered by this program include homemaker services, home or vehicle modifications, personal care and live-in support. Click here to learn more about this program.
The Personal Care Attendant Program
The Personal Care Attendant Program (PCAP) is designed for Louisville residents who have lost functioning of two or more limbs. This program is consumer-directed, meaning that participants select and manage the care providers of their choosing. Supports covered by PCAP include assistance with the activities of daily living, housecleaning, meal planning and preparation and transportation. More information on PCAP's eligibility guidelines and benefits can be found here.
The Kentucky Homecare Program
The Kentucky Homecare Program provides a variety of in-home supports for Louisville seniors aged 60 and over who are at risk of nursing home placement, enabling them to age in place. Services that are covered by this program including meal delivery, household chores, minor home repairs, respite care and personal care assistance. In Louisville, services are delivered through the Kentuckiana Regional Planning and Development Agency, Social Service Division. For more information and an outline of the eligibility requirements, click here.
KIPDA coordinates services for Louisville adults aged 60 and over who are at risk of nursing home placement. The organization determines eligibility for assistance programs and services, including in-home services, transportation services and nutrition programs.
New Directions Housing Corporation provides emergency home repairs and weatherization services for older adults aged 60 and over in Louisville. Some services provided include yard work and cleanup, accessibility improvements and wheelchair ramp installation. Fees are charged on a sliding scale.
Project Warm is a non-profit organization that provides free home weatherization to homes of low-income seniors and veterans. Program volunteers patch holes, install weather strips on doors and seal leaks where air may be getting in or escaping, making homes more energy efficient and reducing heating costs.
ElderServe, Inc. provides an array of services to enable Louisville seniors aged 60 and over to live as independently as possible. Some programs and services provided include care management, crime victim services, wellness programs and financial management and guardianship.
Avenue Plaza provides 225 units of affordable housing for seniors in the downtown district of Louisville. In addition to providing monthly rents that are capped at 30 percent of a resident's income, the site also offers a nutrition program and supportive and referral services.
Blairwood Apartments of Louisville is a federally subsidized apartment community that offers affordable housing for people 62 years of age or older. This pet-friendly community offers an on-site Service Coordinator, 24-hour emergency maintenance service and controlled access.
For additional information and planning, please read our comprehensive guide to paying for senior care in Kentucky.