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Louisville, Kentucky, perfectly balances urban living with Southern hospitality. While you may see a beautiful skyline along the Ohio River, locals see a cluster of neighborhoods offering a nostalgic, small town feel. As the largest city in Kentucky, Louisville is a surprisingly affordable area lauded for its wealth of activities, events, and age-friendly environment.
Independent living communities in Louisville provide a home where seniors can relax without the constant worries of being a homeowner. Between concierge, housekeeping, and other on-site services, seniors in independent living communities experience convenience and resort-style amenities. However, if you’re looking for less luxury and more affordability, you may benefit more from our guide to senior apartments in Louisville.
A Place for Mom partners with independent living communities in Louisville, Kentucky, located in Jefferson County. While these independent living communities are scattered around the Louisville area, many rest to the east of downtown Louisville in the Middletown area. Additionally, we partner with communities in Jeffersonville, Indiana. This is why you’ll also find local resources for Indiana seniors in this comprehensive guide to independent senior living in the Louisville area.
This guide provides answers to questions on paying for independent living, local senior benefits, and the various types of communities in the area. Additionally, you’ll get a sense of what living in the Louisville area is like as a senior.
Types of care available in Louisville, KY
Independent Living
I chose Lake Forest Village because of all of the things above that are 5's. I looked at others and none of them even compared. Everything is all inclusive here, there are no extra charges for anything. The food is amazing, I would give it a 6 out of 5. I would recommend them to others looking.
I sensed a real concern by the staff for the people under their care. While there may have been internal (employee/employer) issues, as there may be in any work environment, it never manifested itself in my presence. In my opinion, employees are acting professionally in that regard. As for the facility, it was wonderful, above what I expected to find.
It's a nice cozy facility, clean and bright; but their food budgets are in need of review as they run out of resident favorites often. The dining experience is less than perfect due to space and ordering/ serving processes. I'd still recommend at this time but my loved ones have only been there 6 months so we are hoping Vitality can/will address a permanent solution to the nutrition portion of their care.
100 Shelby Station Dr, Louisville, KY 40245
Great place. Great caring staff. Staff seem to enjoy working there. Facility is kept up and bright Our brother is up and active here whereas before he mostly just wanted to sleep. Staff seem to work hard to...
The Enclave of East Louisville is located in Louisville, KY and offers exceptional personal care assisted living and memory care options for seniors. Expect stunning grounds and inspired interiors everywhere you turn. In this warm and welcoming community, residents enjoy 24-hour support provided...
3525 Ephraim McDowell Dr, Louisville, KY 40205
I have only been at Twinbrook Hotel Apartments for about three weeks, but so far, I would recommend it. The staff are nice and helpful. And the property is clean.
2120 Buechel Bank Rd, Louisville, KY 40218
I visited a few different places before recommending Rose Anna Hughes Home for my mother-in-law. As the director gave me a tour, I was impressed with the fact that she not only greeted every resident by name...
This community does not fulfill the legal definition of Assisted Living in Kentucky. A Place for Mom uses the term "assisted living" to indicate that the community provides some level of assistance with daily living activities. It does not indicate that the facility meets official state...
4711 South Hurstbourne Parkway, Louisville, KY 40291
From a close and personal , one year, experience at Morning Point Senior [removed] I am sure whoever is looking to relocate a Mom or a Dad to a senior living community would relate to our story.When it...
Morning Pointe is a retirement community that specializes in Senior Living and Alzheimer's Memory Care. We provide a comfortable home-like environment with the benefit of providing assistance, special services and nursing care when needed. Conveniently located near Watterson Trail at 4711 South...
3625 Fern Valley Rd, Louisville, KY 40219
I chose this facility because I was in a time crunch and they had something available immediately. This facility is very clean and decorated nicely. They are pet they are a pet-friendly community which is...
Residents of Franciscan Health Care Center can be found spending their afternoons in a number of ways, from dining at one of Louisville, Kentucky’s local restaurants, to shopping with friends at Jefferson Mall, or enjoying the tranquility of nearby Jefferson Forest, just to name a few!...
5012 East Manslick Road, Louisville, KY 40219
Great Dementia unit. Staff are very caring and seem to enjoy working with people with memory issues. My mother seems to be happy and has adapted well to her environment. I am very pleased with the facility....
For over 50 years Wesley Manor has been the leader in providing personalized care in a secure, loving environment—at an affordable cost. As a non-profit organization, Wesley Manor has a distinct philosophy of care by being mission-driven rather than profit-driven. While newer facilities exist,...
9107 Taylorsville Road, Louisville, KY 40299
My loved one is currently a resident at Forest Hills Commons and everything has been quite acceptable so far. My loved one appreciates the food and the care that he receives, even though it has taken him...
Forest Hills Commons is a new assisted living community that offers apartments and memory care for mature adults in the beautiful city of Louisville, Jefferson County, Kentucky. The community's private apartment living is perfect for people who want their independence, but still need assistance....
211 West Oak Street, Louisville, KY 40203
When I first took my mom to Treyton Oak I was very emotional [name removed] at the desk said to me don’t worry it’ll be fine , And it was.. Everyone from administration to nursing to nursing aides were...
This community does not fulfill the legal definition of Assisted Living in Kentucky. A Place for Mom uses the term "assisted living" to indicate that the community provides some level of assistance with daily living activities. It does not indicate that the facility meets official state...
960 S 4th St, Louisville, KY 40203
I have met one of the housing managers and I liked what I saw in her. I think she is quality for this type of community and her standards are good. She really cares about the elderly and that really stands...
Chapel House and Friendship House is part of a vibrant retirement community in beautiful Old Louisville. Our diverse community of seniors 62+ live independently with convenient access to dining, entertainment and I-65. Our one-bedroom and studio apartments are affordable, secure and include basic...
4120 Wooded Acre Ln, Louisville, KY 40245
My Mother is really enjoying her stay here. She is truly happy here and I’m glad we picked this facility. The staff is wonderful and they are taking care of all her needs. No matter what, they are always...
Located in eastern Louisville, KY (near the corner of LaGrange and Westport Road) Forest Springs Health Campus provides seniors with a place to call home in “Possibility City.” Residents of Forest Springs can enjoy an afternoon outdoors at nearby Tom Sawyer State Park, take a shopping trip to The...
5105 Gemna Way, Louisville, KY 40219
I picked this community because I liked the facility, and the rooms. I like the cleanliness. It's a nice location. I would recommend to others.
7199 Fern Ridge Road, Louisville, KY 40228
7199 Fern Ridge Road, Louisville, KY 40228
8800 Smyrna Parkway, Louisville, KY 40228
We live out of town but our family who lives in town and close to the community say the people there are very sweet, and since our loved one has moved in she has felt right at home. We would absolutely...
Quality service with a commitment to excellence, that is Bee Hive Homes! Bee Hive Homes feature family style living in a residential setting for those who do not require full time skilled nursing care. The Bee Hive home is a planned environment, allowing for ten to fourteen residents to enjoy a...
2715 Fern Valley Rd., Louisville, KY 40213
2715 Fern Valley Rd., Louisville, KY 40213
2821 Biggin Hill Ct, Louisville, KY 40220
Brookstone Senior is a newly constructed affordable senior apartments community located in Louisville, Jefferson County, Kentucky. The complex has been designed for residents 55 and older. You can join a community where everybody has fun and looks out for each other. Brookstone Senior is located...
3800 Falcon Crest, Louisville, KY 40219
Here Falcon crest we offer spacious 1,2,and 3 bedroom apartment homes as well as 2 bedroom condos and patio homes. All apartments have washer/dryer connections,and fully equipped kitchens. Our amenities include a 24-hour fitness center, clubhouse,private cinema, pool,playground,and 24-hour...
2200 Stony Brook Dr, Louisville, KY 40220
Beautiful facility, it definitely doesn't have that clinical or nursing home feel. The Personal Care Rooms are a little smaller than other facilities we've looked at. I think maybe the admissions staff (or...
3600 Good Samaritan Way, Jeffersontown, KY 40299
4113 Bluelick Ct, Louisville, KY 40229
4113 Bluelick Ct, Louisville, KY 40229
936 Barret Avenue, Louisville, KY 40204
At The Altenheim, you will find many values and traditions associated with living at home. Our residents consider The Altenheim to be a small community with a big heart. We are a full service retirement home, providing each resident with the individualized care and services he or she needs. In...
4247 Westport Rd, Louisville, KY 40207
220 N Clifton Ave, Louisville, KY 40206
Based on averages of what seniors paid over the last 12 months, A Place for Mom’s proprietary data shows seniors paid $3,480 per month at our independent living partner communities.[01] This price includes the cost for room and board, as well as add-on fees.
The cost for independent living can vary depending on the location, amenities, and floor plan. For example, the starting price for a studio at our independent living partners in Louisville averages $2,640 per month, while a two-bedroom starts at $4,250 per month.[01]
Below are what the baseline costs typically include in independent living monthly fees, depending on the facility:
Many of our independent living partners in Louisville have a variety of on-site amenities, which may have add-on fees or increase the overall cost of living. On-site amenities at our Louisville-area partner communities may include the following:
Additionally, depending on the community and your circumstances, there may be additional fees, such as the following:[01]
The following prices are average baseline costs across the area for all independent living communities. Unlike our independent living partner costs in Louisville, these figures do not include typical add-on fees. They are meant to give you an idea of comparative costs in the area.
5.29 miles from you
Your zip code
4.49 miles from you
When seniors start looking to retire in an independent living community, they typically start to evaluate their payment options. Most retirees start by looking at their current personal income sources and rely on these to pay for their independent living community. For additional needs, like health care, Medicaid and Medicare may help seniors pay for home health care services while living at the senior community of their choice.
Most seniors planning for retirement in an independent living community use private pay methods, like personal income, retirement accounts, and savings. Since an independent living community is not considered a care facility, long-term care insurance will not cover rent or meal costs at these communities. However, additional income sources can help offset a senior’s costs of living during retirement, like Social Security benefits, pensions, investment returns, or any of the following options:
Independent living communities aren’t regulated like assisted living facilities, since they’re not considered care facilities. However, independent living communities follow local rental regulations since they’re typically rented units. Most of our independent living partners in Louisville also have assisted living units, which must abide by more advanced assisted living state regulations. To learn more about assisted living regulations, visit our Louisville guides to assisted living and memory care. Read on for the general rental regulations of independent senior living facilities.
As a tenant in Kentucky or Indiana, you cannot be discriminated against for your disability, race, religion, sexual orientation, or gender, thanks to the federal Fair Housing Act. However, many independent living communities have minimum age requirements, such as requiring residents to be 55+ or 62+.
Both Kentucky and Indiana share common landlord and tenant obligations. These areas require landlords to provide a safe, clean, and habitable living environment. To meet these living standards, landlords must maintain working conditions for installed utilities, like the following:
While landlords have more extensive obligations under state and city laws, tenants, such as yourself, are required to maintain a clean and habitable living environment. This is mostly limited to maintaining your apartment appliances and the cleanliness of your living space.
The City of Louisville also has requirements for the construction of the building or facilities. Apartment units and all common areas must meet structural code standards. Some examples of Louisville building codes for apartment units include the following:
Landlords are required to make reasonable accommodations and modification for those with disabilities. This may include offering accessible parking, installing hand rails in a unit, or allowing services animals even if a no-pet policy is in place. However, there are limitations to these accommodations. It’s always best to check with your prospective community ahead of time to get a thorough understanding of their accommodation practices.
Kentucky: Your landlord is allowed to require you to restore the property to the condition it was in prior to any modifications you made. If you have a service animal, you can submit a request to the landlord, which, if approved, will allow your service animal in the apartment building. Landlords cannot charge a pet fee or deposit for service animals.
In the Louisville area, you can take advantage of the independent living center, Center for Accessible Living (CAL). This center helps those with disabilities learn independent living skills, as well as experience support, advocacy, and more.
Indiana: While you’re allowed to make modifications, like installing a ramp or removing carpet in your unit, your landlord can make you, as a tenant, pay for these modifications. Additionally, the landlord can require these modifications be done professionally.
As COVID-19 regulations begin to relax, so does the level of guidance provided by some states, such as Kentucky. The Kentucky Department for Public Health (KDPH) is currently following community level COVID-19 guidance, and Jefferson County is currently under a low level of guidance. Below is Jefferson County’s COVID-19 guidance for general and senior living environments.
To be sure you completely understand your prospective community’s rules around COVID-19, it’s best to check with them before your move in.
Masking. A mask may be required after an indoor setting was exposed to a COVID-19 infection. Senior living care settings do not currently require masks.[12,13]
Quarantining. If you test positive for COVID-19, you’re recommended to isolate for five days (with no symptoms) or 10 days (with symptoms). If you have close contact with someone with a COVID-19 infection, monitor your symptoms for 10 days.[12]
Whether you’re looking for a community you can age in place at or one where you can experience a luxurious, convenient lifestyle, the Louisville area offers a variety of options. In this section you’ll learn more about the features of independent living communities in the Louisville area, so you know what to expect to find in the current market.
A majority of our independent living partners in Louisville offer multiple levels of care services on the same campus. This may include assisted living or memory care services and round-the-clock supervision. These types of communities help seniors age in place, so if additional care or assistance is ever needed in the future, they won’t have to worry about moving to a different community.
Only 5 out of our 12 independent living partners in Louisville are stand-alone independent living communities, meaning they only serve fully independent seniors who don’t need care. Our independent living partner in Jefferson, Indiana, is one of these stand-alone communities.
Similar to independent living communities across the county, Louisville offers a variety of room and apartment accommodations. Depending on your preferences, you’ll be able to find communities with studio, one-bedroom, and two-bedroom apartments. In addition to these standard layouts, some Louisville independent living communities have single-family cottages, allowing you to have more space and a sense of freedom. If you live in one of these types of cottages, you may be able to have a garage and/or yard.
Many of our independent living partners in Louisville go beyond the current market standards. For example, all our Louisville independent living partners provide meals. Additionally, if you’re looking to live in a resort-like atmosphere, many independent living communities have superior facility amenities, like the following:
Besides communal amenities, some independent living communities have these features in their apartments to provide additional conveniences for seniors:
You won’t find yourself bored at any of our partner independent living communities that value active living. Between on-site activities and off-site outings, you’ll have access to a variety of options at a majority of our independent living partners in Louisville. Approximately 66% of our independent living partners in Louisville staff an activity director, who helps coordinate engaging, valuable activities.
In a Louisville independent living community you may have access to a variety of activities. These can include but are not limited to the following:
In addition to activities, many independent living communities encourage socializing and creating friendships through clubs for hobbies or interest groups. These can include but are not limited to the following:
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Percentage of seniors 62 and older within Jefferson County, Kentucky[14]
As America’s Aging Care Capital, according to Forbes Magazine, Louisville offers innovative health care as it works to improve healthy aging solutions. You’ll have access to high-quality care through Louisville’s distinguished health care systems. With specialized aging care teams and certified stroke centers, many of these local hospitals perform well for adult conditions common to seniors. Read on to learn about some of the most distinguished hospitals in the area.
Find top-notch care at Baptist Health Louisville, ranked as the No. 1 hospital in Louisville and No. 3 in Kentucky, according to U.S. News and World Report. With specialized teams for stroke and heart attacks, the hospital is high performing for those conditions. The hospital is also high performing in lots of other adult procedures and conditions, such as colon cancer surgery, multiple cardiology surgeries, diabetes, hip replacements, knee replacements, and more.[16] In addition to this location, the hospital also has centers in Jeffersonville, Indiana.
You can receive innovative care at Norton Hospital — the teaching hospital for the local University of Louisville School of Medicine. This hospital is ranked No. 2 in Louisville and No. 5 in Kentucky, according to U.S. News and World Report. This hospital has a Primary Stroke Center certified by The Joint Commission, a nonprofit organization that accredits health care in the United States, and the health agency, American Stroke Association. In addition to offering exceptional care for strokes, the hospital performs highly for several other adult procedures and conditions, like heart attacks, heart failure, diabetes, kidney failure, hip replacements, and knee replacements.[16]
UofL Health — Jewish Hospital is another distinguished hospital in the area and is known for many medical firsts in the United States. The hospital is ranked No. 3 in Louisville and No. 6 in Kentucky, according to U.S. News and World Report. With their certified stroke center, the hospital offers exceptional care for the common senior condition, strokes. Additionally, the hospital performs well for a variety of adult conditions, including but not limited to heart attacks, heart failure, kidney failure, and knee replacements.[16]
You’ll be able to get around town and attend local appointments easily thanks to transportation services provided at our partner independent living communities. Nearly all our independent living partners (about 91%) offer on-site transportation services. A majority of Louisville residents have their own vehicle, and you can feel at ease knowing all of our independent living partners offer on-site parking options for residents.
Besides on-site transportation, approximately 66% of our independent living partners are conveniently located near public transportation options. This is helpful, since the Louisville area can be difficult to get around due to few public transportation options. Public transit is available through the local Transit Authority of River City (TARC) system.
While the area is difficult to get around without a vehicle, the downtown neighborhood is easier to walk, with a Walk Score of 95 in the Central Business District. However, as you can see below, the greater Louisville-Jefferson County area is difficult to get around without a vehicle. Overall, the city has rather low ratings (out of 100) for walking, transit, and biking.
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The Louisville area has an abundance of local entertainment opportunities, attractions, and activities. Known as a foodie destination and home to the Kentucky Derby, beloved sports teams, and the world’s best handcrafted bourbons, Louisville is famous for a lot. However, Louisville residents know the city goes beyond their famed cultural strengths, with a solid infrastructure, various shopping centers, exquisite performing arts theatres, and stunning nature areas. Plus, seniors can live an active lifestyle beyond their senior living community thanks to the city’s age-friendly mentality.
The Louisville area is a wonderful place for seniors to retire with a copious amount of senior-friendly activities scattered throughout the city. The Louisville Metro Government partnered with AARP Kentucky, Kentuckiana Regional Planning and Development Agency (KIPDA), and the UofL Institute for Sustainable Health and Optimal Aging to create Age-Friendly Louisville — a community-driven initiative to make Louisville accessible for seniors and those with disabilities.
Besides senior centers, the area has a YMCA Forever Young program to help seniors aged 50+ stay healthy and active through activities and outings. Additionally, Clark County has a senior games gang through their area agency on aging location, Life Span Recourses. This is a membership for seniors aged 55+. You can compete in competitions all year round, as well as participate in activities that your area may or may not host, including but not limited to the following:
The Louisville area also has many active living opportunities for seniors through local senior centers. While all of our independent living community partners offer on-site activities, you may be able to find additional active senior opportunities outside of the community. Some local senior centers are managed through Kentuckiana Regional Planning and Development Agency (KIPDA), which you can find on their website. These centers offer meals, social opportunities, health and wellness programs, educational seminars, counseling, and more.
Whether you’re living in or visiting this Southern state, you may want to attend its most famous event — the Kentucky Derby. Get dressed up in full Southern flair for this annual horse race, which takes place in the legendary racetrack, Churchill Downs. While the Kentucky Derby tries to accommodate those with disabilities, the area has limited space and cannot store wheelchairs brought to the event. From the parking lot to the racetrack, the attraction offers accessible shuttles to help those with disabilities into the event.
Go deep underground with another must-see in Louisville. The Louisville Mega Cavern is a fantastic cave and cavern system with accessibility options in Kentucky. This is system is one of the most well-known, man-made caverns and can be explored through the historic underground tram tours, which are ideal for seniors with mobility issues. Prior to your visit, ask about wheelchair-accessible tours through the Mega Tram.
Louisville goes beyond their legendary horse racing track with its multiple large stadiums, where you’ll find both collegiate and professional sports teams.
The city is home to the University of Louisville Cardinals. In addition to Division 1 college football in the Cardinal Stadium, you can enjoy local minor league baseball games watching the Louisville Bats play in Louisville Slugger Field. Besides these teams and stadiums, Louisville is also home to a large soccer stadium — Lynn Family Stadium. In fact, it’s known as one of the largest soccer stadiums in the area. This is where you can watch the professional soccer club, Louisville City FC, play during the exciting USL Championship.
The Brown Hotel in Louisville is where the famous Hot Brown was created, and to this day, people visit the hotel to enjoy the unique dish. This dish is not your ordinary turkey sandwich; this open-faced sandwich is topped with strips of bacon smothered in Mornay sauce. In addition to the Hot Brown, the Kentucky Derby Pie was created in the Prospect neighborhood. This delicious chocolate and walnut filled pie recipe continues to remain a secret by creators at Kern’s Kitchen. In general, Kentucky is known for many southern staples, from burgoo to benedictine.
Many Kentucky residents accompany their southern dishes with a nice bourbon. Louisville is known for having the best handcrafted bourbon out there. So much so that the area houses Bourbon District in downtown Louisville and Whiskey Row along Main Street. In the Louisville area, you can find many distillery tours where you can witness the distilling process and try some of the best bourbon in Kentucky:
While every Louisville neighborhood has a variety of shopping areas, the Westport Village is one of the most well-known shopping destinations with locally owned businesses. Additionally, you can find a copious amount of well-known stores at the local malls — Mall St. Matthews and Oxmoor Center.
Experience the loud thumping of music at live concerts or the exquisite theatrics of performing arts at accessible venues, like the Kentucky Center for the Performing Arts and the Iroquois Amphitheater. The Iroquois Amphitheater offers experiences of a lifetime with their live concerts. And the Kentucky Center for the Performing Arts goes beyond with additional performances listed below:
Whether you’re looking for a golf course, an outdoor park, or a river cruise, the Louisville area has a variety of outdoor areas for you to enjoy. You can enjoy the stunning views of the Louisville skyline on one of the many riverboat cruises. From beautiful views on sunset rides to picnics on the river, seniors aged 65 and older are sure to enjoy a riverboat ride at a discounted rate.
If you prefer to stay on land, you can enjoy one of the Louisville parks. At these parks you’ll have access to miles of hiking paths, as well as areas for activities like fishing, picnics, and camping. Crossing over the state line, you can find the Jefferson Memorial Forest in Indiana. With over 60 miles of charming hiking trails, including the wheelchair-accessible Tulip Tree Trail, which is one of the largest city-owned urban forests in the United States. Jeffersonville city parks also have specialty parks with the city’s Home of Champions Wall, where locals honor well-known people from their area.
The Louisville area also offers 10 unique golf courses with affordable golfing experiences. These golf courses push you to improve your skills with challenging holes. You can find the local golf courses and prices on the Louisville-Jefferson County Metro Government website.
StoryPoint Middletown, The Ashton on Dorsey and Magnolia Springs Louisville are the top-rated Independent Living facilities near Louisville, KY. These Independent Living facilities received the highest rankings based on verified family reviews. See full list of communities.
The average cost of Independent Living in Louisville is 3,539 per month. This cost may vary based on location, amenities, floorplan, level of care and other factors.
A Place for Mom. (2022). A Place for Mom proprietary data.
United States Census Bureau. (2021). Veteran status (S2101): Jefferson County, Kentucky [Data set]. American Community Survey.
Commonwealth of Kentucky Cabinet for Health and Family Services. Home and community based waiver.
Indiana Medicaid for Members. Aged and disabled waiver.
Louisville Metro Human Relations Commission. Fair housing.
U.S. Department of Housing and Urban Development. Fair housing and equal opportunity serving Indiana.
Louisville-Jefferson County Metro Government. Check it out!! – Property maintenance.
Landlord-Tenant Relations, Indiana General Assembly § IC32-31. (rev 2022).
Discriminatory Practices; Fair Housing, Louisville/Jefferson County Metro Government § 92.03 (2020).
Assistance animals — Reasonable accommodations in dwellings — Limitation of liability — Penalty for misrepresentation of an assistance animal, Kentucky State Government § 383.085 (2018 & rev. 2019).
Indiana State Government. (Feb. 2023). Frequently asked questions.
Kentucky Department of Public Health. {2022, July 27). Have you been exposed to or tested positive for COVID-19?
Cabinet for Health and Family Services. (2022, Sept. 16). Provider guidance memo: Face coverings in long-term care and senior living congregate care settings.
United States Census Bureau. (2021). Age and sex (S0101): Jefferson County, Kentucky [Data set]. American Community Survey.
United States Census Bureau. (2021). Population 65 years and over in The United States (S0103): Jefferson County, Kentucky [Data set]. American Community Survey.
U.S. News and World Report. Best hospitals in Louisville, KY.
Walk Score. Living in Louisville-Jefferson.
Martinson, M. (2023, March 29). Personal communication [Phone interview].
Ask an A Place for Mom local advisor at no cost.
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