Compare monthly care rates across 803 cities and 266 CMS-certified nursing facilities in Kentucky.
Models eldercare inflation, home equity liquidation fees (7%), income offsets & Medicaid spend-down rules.
At Kentucky's average caregiver rate of $26.25/hr, hiring in-home care equals the $4,650/mo cost of Assisted Living at exactly 40.9 hours per week (~5.8 hrs/day).
Saves $2,375/mo vs. Assisted Living (excludes home mortgage/utilities).
Full-time home care costs $355/mo more than Assisted Living (where meals & utilities are included).
Assisted Living saves $4,449/mo; Memory Care averages $5,670/mo.
Sorted by number of Medicare-certified care facilities and local market size.
| City | County | Assisted Living | Memory Care | Nursing Home (Semi) | Median Home Value | CMS Facilities |
|---|---|---|---|---|---|---|
| Louisville | Jefferson | $5,000/mo | $6,100/mo | $7,730/mo | $237,200 | 35 |
| Lexington | Fayette | $5,010/mo | $6,110/mo | $7,740/mo | $272,100 | 12 |
| Owensboro | Daviess | $4,410/mo | $5,380/mo | $6,820/mo | $185,800 | 7 |
| Bowling Green | Warren | $4,550/mo | $5,550/mo | $7,030/mo | $242,600 | 6 |
| Elizabethtown | Hardin | $4,590/mo | $5,600/mo | $7,090/mo | $205,900 | 5 |
| Glasgow | Barren | $4,340/mo | $5,290/mo | $6,710/mo | $166,900 | 5 |
| Corbin | Whitley | $4,340/mo | $5,290/mo | $6,710/mo | $120,600 | 4 |
| Madisonville | Hopkins | $4,340/mo | $5,290/mo | $6,710/mo | $128,800 | 4 |
| Paducah | Mccracken | $4,340/mo | $5,290/mo | $6,710/mo | $182,900 | 4 |
| Somerset | Pulaski | $4,340/mo | $5,290/mo | $6,710/mo | $156,300 | 4 |
| Ashland | Boyd | $4,340/mo | $5,290/mo | $6,710/mo | $126,300 | 3 |
| Cynthiana | Harrison | $4,340/mo | $5,290/mo | $6,710/mo | $188,900 | 3 |
| Greenville | Muhlenberg | $4,340/mo | $5,290/mo | $6,710/mo | $121,300 | 3 |
| Hopkinsville | Christian | $4,340/mo | $5,290/mo | $6,710/mo | $149,200 | 3 |
| Richmond | Madison | $4,340/mo | $5,290/mo | $6,710/mo | $220,700 | 3 |
| Bardstown | Nelson | $4,560/mo | $5,560/mo | $7,050/mo | $224,100 | 2 |
| Berea | Madison | $4,340/mo | $5,290/mo | $6,710/mo | $220,700 | 2 |
| Calvert City | Marshall | $4,340/mo | $5,290/mo | $6,710/mo | $173,700 | 2 |
| Campbellsville | Taylor | $4,340/mo | $5,290/mo | $6,710/mo | $163,700 | 2 |
| Clinton | Hickman | $4,340/mo | $5,290/mo | $6,710/mo | $92,300 | 2 |
| Covington | Kenton | $5,140/mo | $6,270/mo | $7,940/mo | $227,500 | 2 |
| Danville | Boyle | $4,340/mo | $5,290/mo | $6,710/mo | $200,700 | 2 |
| Dawson Springs | Hopkins | $4,340/mo | $5,290/mo | $6,710/mo | $128,800 | 2 |
| Erlanger | Kenton | $5,140/mo | $6,270/mo | $7,940/mo | $227,500 | 2 |
| Florence | Boone | $6,230/mo | $7,600/mo | $9,630/mo | $253,200 | 2 |
| Fort Thomas | Campbell | $5,240/mo | $6,390/mo | $8,090/mo | $234,500 | 2 |
| Frankfort | Franklin | $4,550/mo | $5,550/mo | $7,040/mo | $198,700 | 2 |
| Georgetown | Scott | $5,710/mo | $6,970/mo | $8,820/mo | $264,200 | 2 |
| Hardinsburg | Breckinridge | $4,340/mo | $5,290/mo | $6,710/mo | $141,400 | 2 |
| Harrodsburg | Mercer | $4,340/mo | $5,290/mo | $6,710/mo | $189,700 | 2 |
| Hazard | Perry | $4,340/mo | $5,290/mo | $6,710/mo | $90,700 | 2 |
| Henderson | Henderson | $4,340/mo | $5,290/mo | $6,710/mo | $165,700 | 2 |
| Kuttawa | Lyon | $4,340/mo | $5,290/mo | $6,710/mo | $183,600 | 2 |
| La Grange | Oldham | $6,740/mo | $8,220/mo | $10,420/mo | $375,000 | 2 |
| Leitchfield | Grayson | $4,340/mo | $5,290/mo | $6,710/mo | $160,100 | 2 |
| Mayfield | Graves | $4,340/mo | $5,290/mo | $6,710/mo | $139,000 | 2 |
| Morganfield | Union | $4,340/mo | $5,290/mo | $6,710/mo | $109,000 | 2 |
| Mount Washington | Bullitt | $4,960/mo | $6,050/mo | $7,670/mo | $233,700 | 2 |
| Prestonsburg | Floyd | $4,340/mo | $5,290/mo | $6,710/mo | $93,300 | 2 |
| Radcliff | Hardin | $4,590/mo | $5,600/mo | $7,090/mo | $205,900 | 2 |
| Shelbyville | Shelby | $5,180/mo | $6,320/mo | $8,010/mo | $277,500 | 2 |
| Albany | Clinton | $4,340/mo | $5,290/mo | $6,710/mo | $114,000 | 1 |
| Alexandria | Campbell | $5,240/mo | $6,390/mo | $8,090/mo | $234,500 | 1 |
| Annville | Jackson | $4,340/mo | $5,290/mo | $6,710/mo | $107,000 | 1 |
| Auburn | Logan | $4,340/mo | $5,290/mo | $6,710/mo | $151,500 | 1 |
| Augusta | Bracken | $4,340/mo | $5,290/mo | $6,710/mo | $116,400 | 1 |
| Barbourville | Knox | $4,340/mo | $5,290/mo | $6,710/mo | $109,200 | 1 |
| Bardwell | Carlisle | $4,340/mo | $5,290/mo | $6,710/mo | $104,700 | 1 |
| Beattyville | Lee | $4,340/mo | $5,290/mo | $6,710/mo | $82,100 | 1 |
| Beaver Dam | Ohio | $4,340/mo | $5,290/mo | $6,710/mo | $113,400 | 1 |
| Bedford | Trimble | $4,570/mo | $5,580/mo | $7,050/mo | $172,700 | 1 |
| Benton | Marshall | $4,340/mo | $5,290/mo | $6,710/mo | $173,700 | 1 |
| Booneville | Owsley | $4,340/mo | $5,290/mo | $6,710/mo | $79,900 | 1 |
| Brandenburg | Meade | $4,750/mo | $5,800/mo | $7,330/mo | $195,000 | 1 |
| Brodhead | Rockcastle | $4,340/mo | $5,290/mo | $6,710/mo | $119,300 | 1 |
| Brownsville | Edmonson | $4,340/mo | $5,290/mo | $6,710/mo | $136,600 | 1 |
| Burkesville | Cumberland | $4,340/mo | $5,290/mo | $6,710/mo | $128,600 | 1 |
| Butler | Pendleton | $4,340/mo | $5,290/mo | $6,710/mo | $160,800 | 1 |
| Cadiz | Trigg | $4,340/mo | $5,290/mo | $6,710/mo | $192,000 | 1 |
| Calhoun | Mclean | $4,340/mo | $5,290/mo | $6,710/mo | $145,600 | 1 |
| Campton | Wolfe | $4,340/mo | $5,290/mo | $6,710/mo | $66,400 | 1 |
| Carlisle | Nicholas | $4,340/mo | $5,290/mo | $6,710/mo | $119,600 | 1 |
| Carrollton | Carroll | $4,340/mo | $5,290/mo | $6,710/mo | $129,800 | 1 |
| Columbia | Adair | $4,340/mo | $5,290/mo | $6,710/mo | $134,800 | 1 |
| Cumberland | Harlan | $4,340/mo | $5,290/mo | $6,710/mo | $73,100 | 1 |
| Edmonton | Metcalfe | $4,340/mo | $5,290/mo | $6,710/mo | $103,100 | 1 |
| Elkhorn City | Pike | $4,340/mo | $5,290/mo | $6,710/mo | $104,200 | 1 |
| Elkton | Todd | $4,340/mo | $5,290/mo | $6,710/mo | $157,400 | 1 |
| Flatwoods | Greenup | $4,340/mo | $5,290/mo | $6,710/mo | $135,300 | 1 |
| Flemingsburg | Fleming | $4,340/mo | $5,290/mo | $6,710/mo | $115,200 | 1 |
| Fordsville | Ohio | $4,340/mo | $5,290/mo | $6,710/mo | $113,400 | 1 |
| Franklin | Simpson | $4,460/mo | $5,440/mo | $6,880/mo | $195,700 | 1 |
| Frenchburg | Menifee | $4,340/mo | $5,290/mo | $6,710/mo | $111,500 | 1 |
| Fulton | Fulton | $4,340/mo | $5,290/mo | $6,710/mo | $78,100 | 1 |
| Grayson | Carter | $4,340/mo | $5,290/mo | $6,710/mo | $126,100 | 1 |
| Greensburg | Green | $4,340/mo | $5,290/mo | $6,710/mo | $118,900 | 1 |
| Hanson | Hopkins | $4,340/mo | $5,290/mo | $6,710/mo | $128,800 | 1 |
| Harlan | Harlan | $4,340/mo | $5,290/mo | $6,710/mo | $73,100 | 1 |
| Hartford | Ohio | $4,340/mo | $5,290/mo | $6,710/mo | $113,400 | 1 |
| Hindman | Knott | $4,340/mo | $5,290/mo | $6,710/mo | $74,600 | 1 |