About Assisted LivingAssisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.Complete guide to assisted livingBest of 2024 Assisted Living Winners
About Memory CareMemory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering. Complete guide to memory careBest of 2024 Memory Care Winners
About Independent LivingIndependent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.Complete guide to independent livingBest of 2024 Independent Living Winners
About Senior LivingSenior living is a term used to describe various housing and care options for older adults from maintenance-free, 55+ facilities for active seniors, to secure, fully staffed facilities for seniors with Alzheimer's or dementia. Complete guide to senior livingFind senior living facilities near you
About Nursing HomesNursing homes provide short-and long-term care for seniors who have physical or mental health conditions that require 24-hour nursing and personal care.Complete guide to Nursing Homes
About Senior ApartmentsSenior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.Complete guide to Senior Apartments
About Care HomesResidential care homes are shared neighborhood homes for seniors who need a live-in caregiver to assist with activities of daily living, like dressing and bathing.Complete guide to care homes
Veteran ResourcesVA benefits for long-term care, such as Aid and Attendance benefits, can help eligible veterans and their surviving spouses pay for senior care.Guide to VA benefits for long-term care
Senior Living Home
Senior Living Apartments in Louisville, KY

Answer a few questions to get personalized results

Who are you searching for?

Along the Ohio River you’ll find the beautiful skyline of the largest city in Kentucky: Louisville. The urban area veers away from the stereotypical city living mentality. Instead, you’ll be greeted with Southern hospitality in a big city that still manages to feel like a small town. Residents in Louisville look at it as neighborhoods rather than a large metropolitan area. It’s an affordable area where seniors can retire with access to a multitude of activities and events.

A senior apartment is typically a standard apartment complex designed for seniors aged 55+ or 62+. These communities allow seniors to age independently together in the same area, while providing accessibility features for those with disabilities. Whether you’re looking for an affordable apartment or additional luxurious amenities, Louisville has a variety of senior apartments available.

A Place for Mom has researched senior apartments within a 10-mile radius of Louisville, Kentucky (i.e., Jefferson County). This radius includes parts of Indiana, such as Clarksville and Jeffersonville in Clark County. While A Place for Mom only partners with a handful of senior apartments in the area, there are many senior apartment options in Louisville and the surrounding area. Senior apartments are scattered throughout multiple Louisville neighborhoods. However, there is a large cluster of senior apartments, including one of our partners, located in the Old Louisville and Portland area.

This is a comprehensive guide to senior apartments in the Louisville area with information and resources for both Kentucky and Indiana. This guide provides a lot of information and answers to questions, such as the following:

  • How can I pay for a senior apartment?
  • Are there public assistance options for seniors in Louisville?
  • How can Medicare or Medicaid help with senior apartment costs?
  • Will I feel safe in a senior apartment in Louisville?
  • What type of senior apartment options are available in Louisville?

Besides these questions, you’ll find more information on Louisville itself. Between transportation and exciting activities, this guide offers a look into living in Louisville.

Senior Apartments Facilities near Louisville, KY
Showing 15 communities
Last Updated: 3/12/24
Sort by
Filter by
Review Score
Distance
See communities with
Amenities
Providers
Types of care available in Louisville, KY
Senior Apartments
Senior Apartments
Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Average starting price $X,XXX/month
Assisted Living
Assisted Living
Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Average starting price $X,XXX/month
Nursing Homes
Nursing Homes
Nursing homes provide short-and long-term care for seniors who have physical or mental health conditions that require 24-hour nursing and personal care.
Average starting price $X,XXX/month
Memory Care
Memory Care
Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Average starting price $X,XXX/month
Independent Living
Independent Living
Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Average starting price $X,XXX/month
Residential Care Home
Residential Care Home
Residential care homes are shared neighborhood homes for seniors who need a live-in caregiver to assist with activities of daily living, like dressing and bathing.
Average starting price $X,XXX/month
Home Care
Home Care
Home care relies on trained aides to provide companionship and non-medical care for seniors living at home.
Recent reviews of Senior Apartments in Louisville, KY
5 / 5.0

My loved one is currently a resident at Amber Oaks Assisted Living. I would give this facility a rating of 20, if I could. I'm so happy to have them! All of the staff have gone above and beyond for my loved one. The food is wonderful. I have never been to a facility that smells clean at all times! T...

5 / 5.0

I moved into this community about 1 year ago and I am happy to be here. Fine people live here. The employees that work here are friendly people. Very caring people.

2.9 / 5.0

I chose Jefferson Crossing because it is a 55+ community, it is a gated community which made me feel much safer, and there are not a whole lot of units which means it is not overly crowded. The apartment sizes here are very good. I would recommend to others looking.

Photo of Christian Care Communities Apartments
1010 Photos available
8.5
Review score
5 reviews
8.5
Review score
5 reviews
5 star
60%
4 star
40%
3 star
0%
2 star
0%
1 star
0%
See all reviews
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...
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
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...
5 star
100%
4 star
0%
3 star
0%
2 star
0%
1 star
0%
See all reviews
It has been a nice experience so far for us with this community. The apartments look very nice. The staff is great, they are quick to respond to my concerns. The community looks very well maintained. My only...
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Louisville, Jefferson County, KY is home to Overlook Terraces - a senior housing community with some of the most spectacular hilltop views to be found in the area. Here, a gorgeous home at an affordable price is combined with a prime location just minutes from downtown Louisville. Overlook...
Photo of Jefferson Crossing Senior Living
6.5
Review score
4 reviews
6.5
Review score
4 reviews
5 star
50%
4 star
25%
3 star
0%
2 star
0%
1 star
25%
See all reviews
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.
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Photo of The Villages of Park Duvalle
5 star
0%
4 star
100%
3 star
0%
2 star
0%
1 star
0%
See all reviews
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Photo of Brookstone Senior
5 star
0%
4 star
0%
3 star
0%
2 star
100%
1 star
0%
See all reviews
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
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...
See details
Photo of Falcon Crest
5 star
0%
4 star
0%
3 star
0%
2 star
0%
1 star
100%
See all reviews
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
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...
Photo of Fern Valley Hotel and Conference Center
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Photo of Gaslight Court
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Photo of Baptist Towers
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Inline cta image

Our free advisors can help

  • Compare local facilities
  • Determine care type
  • Schedule tours
  • Evaluate pricing
Photo of Mt Lebanon of Cedars Lebanon
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Whispering Woods II is a 55+ assisted and senior housing community located in the western area of Louisville, Kentucky, in Jefferson County. The community is surrounded by residential housing and has large areas of open space with green grass and trees. Major freeways and bus lines are close-by,...
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Whispering Woods I is an affordable senior housing apartment complex for seniors 55 and older located in a beautiful and cozy neighborhood in Louisville, Jefferson County, Kentucky. Whispering Woods I is located right by I-264, making it easy to get almost anywhere. We are nearby many shopping...
Photo of Mansion on Main
2424 Photos available
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
The Mansion on Main is an exclusive assisted living community in the heart of New Albany. Located on the historic mansion row district, just blocks away from revitalized downtown New Albany. We offer the support and care you need and allow you the independence you want. Come have fun and enjoy...
See details
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Woods of Glen Hill Manor is a housing apartment for seniors in quiet and beautiful neighborhood in Louisville, Jefferson County, Kentucky. Woods of Glen Hill Manor is surrounded by gorgeous landscaping of mature trees with plenty of room to relax and breathe. Our community is convenient to many...

Costs of senior apartments in the Louisville, KY, area

Our senior apartment partners average about $1,000 per month, according to A Place for Mom’s proprietary data.[01] This is exactly what seniors have reported paying, including add-on fees. However, through internal research, A Place for Mom found senior apartments in the Louisville area can range from $500 to $3,800. The cost varies depending on the following:

  • Amenities
  • Location
  • Size of the apartment and floor plan
  • Apartment features, like private patios or balconies
  • Homeowners association fees
  • Admission fees
  • Pet rent

Breakdown of costs for senior apartments in the Louisville area

While costs vary depending on the senior apartment, the Louisville area typically includes the following in apartment fees:

  • Rent
  • Some or all utilities, such as trash removal, cable, internet
  • Laundry facilities or washer/dryer hookups
  • On-site maintenance
  • Parking options

Below you’ll find the average baseline costs for senior apartments in Louisville. These numbers do not include add-on fees like utilities and pet rent.

Average cost comparisons near Louisville, KY

Average monthly costs

Louisville, KY

$1,102

How people pay for senior apartments in Louisville, KY

Most retirees pay for a senior apartment as they would with any other apartment — with private funds, such as income or savings. The Louisville area offers additional public assistance, like veterans benefits and Social Security benefits, to help pay for rental and medical costs.

Since a senior apartment is not a senior care facility, a majority of public benefits will not cover rental fees. However, you may qualify for assistance with costs for medically necessary in-home care services through Medicare, Medicaid, or long-term care insurance. Here, you’ll learn more about private pay options, as well as ways seniors may receive financial assistance like veterans benefits, housing assistance, Medicare, and Medicaid.

Private pay methods in Louisville

When trying to pay for a senior apartment, most retirees start by looking at their private pay options. Private pay methods can include income sources like savings, Social Security benefits, pensions, and investment returns. Additionally, seniors may use the following methods to pay for an apartment:

Caregiver Resources
Reverse Mortgages and Long-Term Care: The Pros and Cons
By Merritt Whitley, senior living writer and editor
VA benefits for senior apartments in Louisville

One of the ways retirees pay for senior apartment costs it through veterans benefits. If you’re a veteran, you may be eligible for pensions or benefits offered through the U.S. Department of Veterans Affairs (VA).

Can veterans benefits help me pay for a senior apartment?

Veterans benefits may be able to help you pay for some or all of your senior apartment costs. The VA has a wide range of benefits available for veterans and their surviving spouses. Some of the most generous assistance available is the Aid and Attendance benefit. If you meet eligibility requirements, you can use these benefits toward anything that improves your quality of life, like a senior apartment.

Between pensions and assistance benefits, you may qualify for a substantial amount of aid. However, due to the extensive list of eligibility requirements, you should contact local veteran service officers to help you understand and apply for benefits.

Local counselors can help you understand, apply, and file claims at local VA-vetted nonprofit organizations, such as the following:

40341

Number of veterans living in Jefferson County, Kentucky

About 70% of Jefferson County veterans are 55+.

Resources for Louisville veterans

Kentucky Veterans Affairs offices

Louisville Regional Office
321 W. Main St., Suite 390
Louisville, KY 40202
Hours: Monday through Friday, 8 a.m. – 4 p.m.

Kentucky Department of Veterans Affairs
1111B Louisville Road
Frankfort, KY 40601
Phone: 502-564-9203
Fax: 502-564-9240

Indiana Veterans Affairs offices

Clark County veteran service office
County Veteran Service Officer (CVSO): Ronnie Iglesias
Assistant CVSO: Ashley Strange
300 Corporate Drive, Suite 101
Jeffersonville, IN 47130
Phone: 812-285-6345
Fax: 812-280-5628

Indiana Department of Veterans Affairs
777 N. Meridian St., Suite 300
Indianapolis, IN 46204-2738
Phone: 317-232-3910
Fax: 317-232-7721
Toll free phone: 1-800-400-4520
Hours: Monday through Friday, 8 a.m. – 4 p.m.

Kentucky and Indiana Medicaid coverage for senior care services

Medicaid is a health insurance program funded by the state and federal governments. Kentucky Medicaid and Indiana Medicaid help provide health insurance to a variety of low-income people, including seniors aged 65+ and those with disabilities.

While Medicaid will not help you pay rental fees for a senior apartment, both states have Home and Community Based Services (HCBS) waivers that help cover some home health services. Additionally, both Kentucky and Indiana offer Programs of All-Inclusive Care for the Elderly (PACE), a Medicare and Medicaid program that offers access to a variety of services.

What are Home and Community Based Services waivers?

Home and Community Based Services (HCBS) waivers help cover a multitude of services that can help you continue living independently. Many of the services covered through these waivers overlap between Kentucky and Indiana. These services may include, but are not limited to, the following:[03,04]

  • Adult day health care
  • Respite care
  • Environmental modifications
  • Vehicle adaptations/modifications
  • Transportation
  • Home delivered meals

To qualify for HCBS, you have to meet specific eligibility requirements. For example, you may qualify if you are aged 65+ or have a disability. However, there may be additional eligibility requirements, so it’s important to contact your local resources to confirm whether you or your loved one qualifies.

What are other programs Kentucky Medicaid offers?

In addition to Home and Community Based Services waivers, Kentucky Medicaid has other programs that can help cover certain medical costs, which may benefit those looking for a senior apartment.

Kentucky Medicaid helps cover home health services if a person is also receiving Medicare benefits and the care-providing agency meets these two guidelines:

  • Be located in Kentucky
  • Be an active Medicaid provider

If you need more care than a home health agency can provide, Kentucky Medicaid helps cover private duty nursing costs. Similar to the home health services, the private nursing duty services must be provided by a licensed agency in Kentucky and be an active Kentucky Medicaid provider.

Besides in-home medical services, Kentucky has programs that help pay for monthly Medicaid costs. If you’re still working and have a disability, you may benefit from Kentucky’s Medicaid Works program. This program helps people between ages 16 and 64, who are earning below 200% of the federal poverty level.

What are other programs Indiana Medicaid offers?

Besides Indiana’s Home and Community Based Services (HCBS) waivers, like the Aged and Disabled Waiver, Indiana Medicaid has an additional program that applies to seniors. Hoosier Care Connect is a health care program for seniors 65+, blind, or disabled persons who cannot receive Medicare. This program covers the same services offered by traditional Medicaid, as well as care coordination services.

Where can I receive assistance with Medicaid benefits?

Between eligibility requirements and the application process, understanding Medicaid benefits is a complex process. Prior to applying for Medicaid, it is important to use your local resources to ensure you are applying correctly and understanding your benefits.

Louisville resident Medicaid resources

Department of Medicaid Services

Kentucky departments and agencies
275 E. Main St., 6W-A
Frankfort, KY 40601
Phone: 502-564-4321

Clark County Division of Family Resources
285 Quartermaster Court
Jeffersonville, IN 47130
Telephone/fax number: 800-403-0864
Hours: Monday through Friday, 8 a.m. – 4:30 p.m.

Kentucky Medicaid information

Member services toll-free phone: 800-625-2570

Apply for Medicaid Call: 855-459-6328

Indiana Medicaid information

Apply for Indiana Medicaid by phone: 1-800-403-0864

Medicare coverage for senior care in Kentucky and Indiana

Medicare is a federal program that helps seniors aged 65+ and those with certain disabilities receive health insurance coverage. Medicare does not cover senior apartment rental costs. However, if you need in-home care services, Medicare helps cover certain short-term home health services if it is deemed medically necessary and you’re considered homebound.

These type of services can include but are not limited to the following:[05]

  • Part-time skilled nursing care
  • Part-time home health aide care
  • Physical, occupational, and speech-language therapy
  • Medical equipment
  • Medical supplies
  • Medical social services
What does Medicare consider “part-time” care?

Some services, such as skilled nursing care and home health aide care, are only covered if they are part-time or intermittent. For skilled nursing care, Medicare considers the following to be part-time:[05]

  • Less than seven days weekly
  • Less than eight hours daily for no more than 21 days

To receive coverage for an intermittent home health aide, you must already be receiving skilled nursing care.[05]

How can I save money on Medicare costs?

Both Kentucky and Indiana have programs to help you save money on medical and Medicare costs, such as Medicare Savings Programs. A Medicare Savings Program helps low-income recipients cover Medicare premium costs.

Those who receive Medicare Part D coverage may qualify to enroll in Extra Help. This program helps with costs related to Medicare drug coverage (i.e. Part D). Besides this help, Indiana has an additional assistance program for Part D costs called HoosierRx.

Who can help me understand and apply for Medicare?

Similar to other benefits, Medicare is hard to understand and apply for, but the health care coverage can be well worth the wait. Kentucky and Indiana both have a State Health Insurance Assistance Program (SHIP). This program has counselors that can help you or your loved one understand Medicare benefits, coverage, and rights.

Both states have other resources to help you fully understand and apply for benefits, including Social Security offices. Plus, every area has a local long-term care ombudsman who helps inform seniors of their rights and understand common health insurance issues.

Louisville resident Medicare resources

Kentucky long-term care ombudsman

KIPDA Long-Term Care Ombudsman
Natalie Brown-Radtke
Catholic Charities
2911 S. Fourth St.
Louisville, KY 40208
Phone: 502-637-9786
Toll free phone: 1-800-854-3233
Email: nbrownradtke@archlou.org

State Long-Term Care Ombudsman
Sherry Culp
Nursing Home Ombudsman Agency of the Bluegrass, Inc.
3138 Custer Drive, Suite 110
Lexington, KY 40517
Phone: 859-277-9215
Toll Free phone: 800-372-2991
Email: sherryculp@ombuddy.org

Indiana long-term care ombudsman

State Long Term Care Ombudsman
Lynn Clough
Office of the Long Term Care Ombudsman
402 W. Washington St., Room W451
Indianapolis, IN 46207-7083
Information/complaint phone: 800-622-4484 or 317-232-7134
Fax number: 317-972-3285
Email: longtermcareombudsman@ombudsman.IN.gov

Area 14 LTC Ombudsman
Mary Cleavinger
Indiana Legal Services
3303 Plaza Drive, #5
New Albany, IN 47150
Phone: 812-913-7361, ext. 11223
Email: mary.cleavinger@ilsi.net

Local Social Security Administration (SSA) offices
State Health Insurance Assistance Program (SHIP)
Public assistance for seniors in Louisville

The Louisville area offers a variety of public assistance opportunities to help you pay for senior apartment rental costs.

What is the Housing Choice Voucher (HCV) program/Section 8?

The U.S. Department of Housing and Urban Development (HUD) funds local housing assistance programs like the Housing Choice Voucher programs, also known as Section 8. This is a program that helps low-income families and individuals, like seniors, find and pay for affordable housing. These are overseen by local public housing authorities, such as Louisville Metro Housing Authority and Jeffersonville Housing Authority, depending on where you reside.

However, not all senior apartment communities accept Section 8, so prior to applying and signing a lease, you should check with the landlord. Additionally, keep in mind there may be a waiting list for public housing.

How can Social Security benefits help with senior apartment costs?

Social Security benefits have a multitude of options to help you cover any cost of living, such as senior apartment rental fees. There are different eligibility requirements for each benefit, so it is important to understand what type you should apply for to help ensure you will be approved. Below are a few options that you may qualify for:

  • Social Security in retirement, also known as Social Security Retirement benefit (SSR), can help seniors 62+ who no longer work or have recently reduced their working hours. This benefit offers monthly checks for those who have work credits that included paying Social Security taxes.
  • Social Security Disability Insurance (or SSDI): If you have worked recently, have work credits, and have had a disability for one year or expect the disability to be fatal, you may qualify for this benefit. However, the amount you receive is determined from your yearly wages and income.
  • Supplemental Security Income (or SSI): This benefit is specifically for those with a disability or seniors aged 65+. However, you must also have limited income and no work credits.
  • Social Security survivors pension: This benefit is specifically for a widow or a widower whose deceased partner had work credits. This benefit is usually paid in a lump sum, but seniors aged 60+ may be able to receive this pension as monthly payments.

Below, find your local Social Security office, which can help you understand what benefits and pensions you qualify for and how to apply for them. Additionally, you’ll find local Area Agencies on Aging, which have resource guides for seniors and can help connect you with other reliable resources and information.

Louisville resident public assistance resources

Social Security Administration (SSA)
Louisville Metro Housing Authority

Public Housing Office
420 S. 8th St.
Louisville, KY 40203
Phone: 502-569-3400
Hours: Monday through Friday, 8 a.m. – 5 p.m.

Section 8 Office
600 S. 7th St.
Louisville, KY 40203
Phone: 502-569-6060
Hours: Monday through Friday, 8 a.m. – 5 p.m.

Section 8 Applicant questions
Phone: 502-569-1704

Customer Service/OmbudsmanTerri Thorton: 502-569-6942
Alyss Brindley: 502-569-6464

Jefferson County Area on Aging Agency

Area Agencies on Aging and Independent Living

KIPDA AAA
11520 Commonwealth Drive
Louisville, KY 40299
Phone: 502-266-5571
Fax: 502-266-5047

Kentucky Department for Aging and Independent Living
275 E. Main St., 3E-E
Frankfort, KY 40621
Phone: 502-564-6930
Email: chfs.listens@ky.gov

Clark County Area on Aging Agency

Lifespan Resources, Inc.
33 State St., 3rd Floor
New Albany, IN 47151-0995
Phone: 812-948-8330
888-948-8330
Toll-free Phone: 812-542-6895
Fax: 812-948-0147
Hours: Monday through Friday, 8 a.m. – 4:30 p.m.

Understand Kentucky’s and Indiana’s laws and regulations for senior apartments

While senior apartments are typically not licensed as senior care facilities, they are still rental properties and typically follow regular apartment laws and regulations. Besides apartment requirements, you can rest easy knowing you cannot be discriminated against, thanks to the Fair Housing Act. Both Kentucky and Indiana comply with this federal law, which prohibits landlords from discriminating against those wanting to apply based on race, religion, sex, disability, sexual orientation, gender identity, and more.[06,07] However, a majority of senior apartments typically have an age minimum. In the Louisville area, both senior apartments for 55+ and 62+ are common.

What are the laws and regulations for apartments in Kentucky and Indiana?

While every state has different apartment regulations, there are commonalities between Kentucky and Indiana. Both states require landlords to provide a safe, clean, and habitable living environment, as well as maintaining working conditions of installed utilities, such as the following:[08,09]

  • Electrical systems
  • Plumbing systems with hot and cold water
  • Heating, ventilating, and air conditioning systems
  • Appliances included in the rental agreement

While landlords are accountable for a majority of apartment building requirements, you, as a tenant, have certain responsibilities to help create a clean and habitable living environment. Luckily, your obligations are limited to maintaining your apartment appliances and the cleanliness of your living space.[08,09]

In addition to these regulations, The City of Louisville requires apartment buildings to meet the Existing Structures Code, as well as specific construction standards by including a multitude of necessities and room requirements, which include those below:[09]

  • A bathroom with walls, water resistant flooring, a door, a toilet, and a tub or shower
  • A kitchen with cabinets, flooring made of water resistant materials, a sink, as well as a stove and refrigerator or connections for those utilities
  • At least one window in every habitable room
  • Smoke detectors
  • Safe exits
  • Firmly fastened handrails on stairs

Are apartments in Kentucky and Indiana required to comply with the Americans with Disabilities Act (ADA)?

Apartments in Kentucky and Indiana are required to make reasonable accommodations for those with disabilities.[10,11] This can include changes to policies and procedures, such as providing accessible parking or allowing service animals. However, landlords are allowed to have conditions for certain accommodations.

Kentucky: When renting an apartment, your landlord can require that you restore the property to the condition it was in prior to the modifications.[10]

Indiana: You, as a tenant, are allowed to make modifications to your apartment to help make it more accessible. This may include installing a ramp or removing carpeted flooring. However, your landlord can make you, as the tenant, pay for these types of modifications and require it be done professionally.[11]

Note: All apartment buildings built after March 1991 must meet Fair Housing Accessibility Guidelines.

COVID-19 regulations for Louisville senior apartment communities

The Kentucky Department for Public Health (KDPH) is currently following community-level COVID-19 guidance. As of now, Jefferson County, Kentucky, is under a low level of guidance. This means masking is up to individual preferences, but masks can be required following a COVID-19 exposure in an indoor setting. Jefferson County continues to recommend isolation after testing positive or coming in contact with someone who is positive for COVID-19 infection. However, the amount of time varies depending on whether you have symptoms or not.

  • If you have symptoms and have tested positive, you should isolate for 10 days (starting when your symptoms began).
  • If you do not have symptoms and have tested positive, you should isolate for 5 days (starting the day you tested positive).
  • If you come in close contact with someone diagnosed with COVID-19 infection, you should monitor your symptoms for 10 days following exposure.[12]

Senior living congregate care settings do not require masks, but KDPH recommends speaking with a medical professional about preventative treatments, if you are considered high risk.[12,13] However, some senior apartments may implement their own COVID-19 guidelines, so it is important to ask your landlord for further information.

Get to know senior apartments in Louisville

21Number of in-network assisted living facilities in market
3.2/5.0 average in-network rating
228
Number of people we referred to our in-market/partner communities in Louisville
72
Average age of residents we referred to in-market/partner communities in Louisville
Gender split: 68% female, 32% male[01]

What to expect from senior apartments in Louisville

Whether you’re looking for an affordable apartment or a luxuriously secure living environment, Louisville offers an abundance of options. While a majority of apartments in Louisville are similar, there are still a range of options. Here, you’ll begin to understand what types of senior apartments you can find in Louisville, which may help you decide on the best option for you.

Budget-friendly senior apartments

The Louisville area offers a handful of affordable senior apartment options. And while Clark County, Indiana, does not have many senior apartment options, there is an affordable senior apartment community available. These apartments typically accept Section 8, also known as Housing Choice Voucher programs. These affordable housing options are similar to standard senior apartments in the Louisville area. While they are listed as the most budget-friendly options, they do not lack in community and apartment features.

Standard senior apartments

There are many commonalities across senior apartments in Louisville. A majority follow the same type of structure for their community amenities and apartment features. Whether a senior apartment building is a mid-rise or high-rise, on average these buildings have at least 100 units. Additionally, these units are typically one- or two-bedroom apartments, but a few studio floor plans are offered as well.

Many of these apartments offer apartment styles with utilities, full kitchens, and either on-site laundry facilities or connections for washer and dryers. Additionally, these senior apartments are usually pet-friendly, but there may be limitations, monthly pet fees, or pet deposits. You can also feel at ease knowing you may have access to services like the following:

  • On-site maintenance
  • On-site property managers
  • Nearby public transportation

Luxury senior apartments

If you’re looking for more luxurious accommodations or amenities, Louisville also has options to fit those needs. There are a handful of apartments that go beyond the standard by adding modern touches, such as granite countertops, ceiling fans, hardwood flooring, and rich paint colors, to make the unit look and feel more luxurious. Additionally, some apartments go above and beyond with apartment features like the following:

  • Walk-in showers
  • Walk-in closets
  • Energy-saving appliances
  • In-unit washers and dryers
  • Private patios or balconies

Besides these perks, some senior apartments add on extra amenities to encourage active living among senior residents. While these amenities depend on the apartment building, they may include but are not limited to the following:

  • Pools
  • Fitness centers
  • Dog parks
  • Business centers
  • Breakfast or coffee concierge services

Additionally, some apartments offer secured buildings and safer units. You can feel at ease knowing the building is gated, has controlled access, and/or has security systems. Plus, some senior apartments in Louisville have emergency pull cord systems in their units.

Newer senior apartments

The senior population in Louisville continues to grow. A handful of apartments in Louisville have been built or opened in recent years and may offer more luxurious amenities, such as a pool, business center, clubhouse, fitness center, and storage area. While there is a cluster of senior apartments located near the Old Louisville and Portland area, a majority of the newly built and/or newly opened senior apartments are located in other neighborhoods in the area.

Explore senior care with confidence

choosing care icon

Know where to start.

Identify the right care for your loved one with our free assessment.

content with icon image

See what you can afford.

Understand cost and payment for long-term care based on your loved one's needs.

content with icon image

Find top facilities for you.

Free, personalized guidance from our Senior Living Advisors can help you narrow your search.

content with icon image

Tour your favorite facilities.

Our free touring checklist can help you choose the right community.

Unfamiliar with Louisville? Highlights for seniors

162395

Number of seniors over the age of 62 currently living in Jefferson County, Kentucky

20%

Percentage of seniors 62 and older within Jefferson County, Kentucky

28648

Average retirement income for seniors 65+ in Jefferson County, Kentucky

Health care for seniors in Louisville

The Louisville area has several highly ranked health care systems and you’ll have access to innovative care thanks to Forbes naming Louisville as America’s Aging Care Capital. You can receive care for adult conditions and procedures common in seniors, such as strokes. Below are some of the highest rated hospitals in the area; some of which include home health care services.

Single icon image

Baptist Health Louisville

Baptist Health Louisville is the No. 1 hospital in Louisville and ranks No. 3 in Kentucky, according to U.S. News and World Report. The hospital system is high-performing in 10 adult procedures and conditions, such as heart attacks, diabetes, and strokes. You’ll also have access to in-home care through the hospital’s Baptist Health Home Care. In addition to this location, the hospital has centers in Jeffersonville, Indiana.

Single icon image

Norton Hospital

As the teaching hospital for the University of Louisville School of Medicine, Norton Hospital is another distinguished health care facility in the area and is ranked No. 2 in Louisville and No. 5 in Kentucky, according to U.S. News and World Report. This location highly performs in nine adult procedures and conditions, like heart attacks, heart failure, diabetes, strokes, hip replacements, and knee replacements. You can also receive compassionate in-home care through the Norton Home Health services.

Single icon image

UofL Health — Jewish Hospital

UofL Health — Jewish Hospital is ranked No. 3 in Louisville and No. 6 in Kentucky, according to U.S. News and World Report. This hospital system performs well in a variety of adult conditions, including but not limited to heart attacks, heart failure, diabetes, strokes, and knee replacements.

Transportation for seniors in Louisville

The Louisville area is difficult to get around; therefore, a majority of residents in the Louisville area own a vehicle. While Louisville lacks public transportation options, there are ways to get around through the local Transit Authority of River City (TARC) system. TARC offers a variety of busing options, including the following:

  • Fixed routes: Buses run along a multitude of routes in Louisville, some of which include stops in Jeffersonville, Clarksville, and New Albany. Availability depends on the bus route, however many of the buses run these routes on Wednesdays, Saturdays, and Sundays.
  • Bus Rapid Transit (BRT): This system runs along Dixie Highway into downtown Louisville.
  • TARC3: This is the local paratransit service, which goes door-to-door to offer shared rides to those who meet eligibility and disability requirements. The service is not limited to small buses; it also uses vans and taxis.

TARC also has a senior pass for seniors aged 60+ who use the Louisville Metro Senior Nutrition site, which is similar to a congregate meal site or the Meals on Wheels Program.

While the Louisville area is not easy to get around, the downtown area is much easier to walk, with a whopping Walk Score of 95 in the Central Business District. However, as seen below, the general Louisville-Jefferson County area receives low ratings (out of 100) for walking, transit, and biking.

Transportation card image
34

Walk Score

Transportation card image
27

Transit Score

Transportation card image
43

Bike Score

Senior activities in Louisville

As the largest city in Kentucky, Louisville is home to multiple well-known attractions, as well as senior-friendly activities. Whether you’re looking for horse races, casinos, or outdoor areas, the opportunities are endless. Plus, you can travel across the Big Four Bridge to get to activities in other parts of Kentucky or Indiana. Here, you’ll learn more about what you can find in the Louisville area.

Well-known attractions in Louisville

Become a true Southern resident by attending the most famous event in Louisville, the Kentucky Derby. This legendary annual horse race is hosted in the well-known racetrack, Churchill Downs. While the Kentucky Derby tries to accommodate those with disabilities, it does not provide wheelchairs to rent and will not store wheelchairs that are brought to the event. However, the event does have accessible parking available, as well as an accessible shuttle to help those with disabilities travel from the parking lot to the racetrack.

Kentucky and Indiana are home to multiple caves and caverns. While underground areas may not be the best for those with disabilities, some have accessible opportunities. The most well-known in the area is the large Louisville Mega Cavern with a historic tram tour that explores the man-made cavern. The Mega Tram offers wheelchair-accessible tour each day, but prior to your visit, you should call to see whether these tours are available at that time.

Bourbon tours

Louisville, Kentucky, is known for having some of the best bourbons out there. As the home of handcrafted bourbon, Louisville has many distillery tours. The following tours will allow bourbon aficionados to see the distilling process and sample some of the best the state has to offer:

Outdoor areas and activities

The Louisville area is home to many outdoor areas and activities thanks to a copious amount of parks and stunning views of the Louisville skyline on river cruises. From beautiful sunset rides to picnics on a steamboat, Louisville offers a variety of vessels to cruise along the local riverbanks in view. At least two of the riverboats — the Belle of Louisville and the Mary M. Miller — offer accessible areas. Additionally, these riverboats offer a discounted rate for seniors aged 65 and older.

Whether you reside in Louisville or Jeffersonville, you’ll be able to find many outdoor areas. Louisville parks have miles of hiking paths, as well as areas for activities like fishing, picnics, and camping. Just outside the bustling downtown, Jefferson Memorial Forest is the largest city-owned urban forest in the United States, with more than 60 miles of hiking trails, including the wheelchair-accessible Tulip Tree Trail.

Jeffersonville city parks go beyond just picnic tables, with specialty areas like dog parks, boat slips, and the City’s Home of Champions Wall, where locals honor well-known people from the area.

Performing arts and entertainment

Between the Kentucky Center for the Performing Arts and the Iroquois Amphitheater, you’ll have access to a large entertainment and performing arts scene. Luckily, both of these venues are accessible, so anyone can enjoy live concerts and performances. There is something for everyone at the Kentucky Center for the Performing Arts since the center goes beyond live concerts with other entertainment options, such as performances from the following:

  • Orchestra
  • Opera
  • Ballet
  • Broadway
  • Speakers
  • Comedians

Active senior living

Seniors in the Louisville area have access to a variety of active senior living opportunities, including senior centers. Besides recreational programs and visiting opportunities, the regional senior centers provide a variety of services, such as meals, health and wellness programs, educational seminars, and counseling. A handful of senior centers can be found through the Kentuckiana Regional Planning and Development Agency (KIPDA). Additionally, there are local programs, such as the YMCA Forever Young program, to help seniors aged 50+ stay healthy and active through activities and outings.

In Clark County, Indiana, seniors can join the senior games gang through Life Span Recourses, an Area Agency on Aging location. This is a membership available for seniors aged 55 and older, where they can participate in chair volleyball, cards, games, horseshoes, bowling, mini golf, dance contests, and more competitions year-round.

Frequently Asked Questions

Christian Care Communities Apartments, River Crossing and Overlook Terraces are the top-rated Senior Apartments facilities near Louisville, KY. These Senior Apartments facilities received the highest rankings based on verified family reviews. See full list of communities.

The average cost of Senior Apartments in Louisville is 1101.76 per month. This cost may vary based on location, amenities, floorplan, level of care and other factors.

References

  1. A Place for Mom. (2022-2023). A Place for Mom proprietary data.

  2. United States Census Bureau. (2021). Veteran status (S2101): Jefferson County, Kentucky [Data set]. American Community Survey.

  3. Commonwealth of Kentucky Cabinet for Health and Family Services. Home and Community Based Waiver.

  4. Indiana Medicaid for Members. Aged and Disabled Waiver.

  5. Medicare. Home health services.

  6. Louisville Metro Human Relations Commission. Fair Housing.

  7. U.S. Department of Housing and Urban Development. Fair Housing and Equal Opportunity serving Indiana.

  8. Landlord-Tenant Relations, Indiana General Assembly § IC32-31. (rev 2022).

  9. Louisville-Jefferson County Metro Government. Check it out!! – Property maintenance.

  10. Discriminatory Practices; Fair Housing, Louisville/Jefferson County Metro Government § 92.03 (2020).

  11. Indiana State Government. (Feb. 2023). Frequently asked questions.

  12. Kentucky Department of Public Health. {2022, July 27). Have you been exposed to or tested positive for COVID-19?

  13. Cabinet for Health and Family Services. (2022, Sept. 16). Provider guidance memo:  Face coverings in long-term care and senior living congregate care settings.

  14. United States Census Bureau. (2021). Age and sex (S0101): Jefferson County, Kentucky [Data set]. American Community Survey.

  15. United States Census Bureau. (2021). Population 65 years and over in The United States (S0103): Jefferson County, Kentucky [Data set]. American Community Survey.

  16. U.S. News and World Report. Best Hospitals in Louisville, KY.

  17. Walk Score. Living in Louisville-Jefferson.

  18. Martinson, M. (2023, March 29). Personal communication [Phone interview].

Photo cta image

More questions?

Ask an A Place for Mom local advisor at no cost.

The information contained on this page is for informational purposes only and is not intended to constitute medical, legal or financial advice or create a professional relationship between A Place for Mom and the reader. Always seek the advice of your health care provider, attorney or financial advisor with respect to any particular matter, and do not act or refrain from acting on the basis of anything you have read on this site. Links to third-party websites are only for the convenience of the reader; A Place for Mom does not endorse the contents of the third-party sites.
Back to top
1.

A Place for Mom. (2022-2023). A Place for Mom proprietary data.

2.

United States Census Bureau. (2021). Veteran status (S2101): Jefferson County, Kentucky [Data set]. American Community Survey.

3.

Commonwealth of Kentucky Cabinet for Health and Family Services. Home and Community Based Waiver.

4.

Indiana Medicaid for Members. Aged and Disabled Waiver.

5.
6.

Louisville Metro Human Relations Commission. Fair Housing.

7.

U.S. Department of Housing and Urban Development. Fair Housing and Equal Opportunity serving Indiana.

8.

Landlord-Tenant Relations, Indiana General Assembly § IC32-31. (rev 2022).

9.

Louisville-Jefferson County Metro Government. Check it out!! – Property maintenance.

10.

Discriminatory Practices; Fair Housing, Louisville/Jefferson County Metro Government § 92.03 (2020).

11.

Indiana State Government. (Feb. 2023). Frequently asked questions.

12.

Kentucky Department of Public Health. {2022, July 27). Have you been exposed to or tested positive for COVID-19?

13.
14.

United States Census Bureau. (2021). Age and sex (S0101): Jefferson County, Kentucky [Data set]. American Community Survey.

15.

United States Census Bureau. (2021). Population 65 years and over in The United States (S0103): Jefferson County, Kentucky [Data set]. American Community Survey.

16.

U.S. News and World Report. Best Hospitals in Louisville, KY.

17.
18.

Martinson, M. (2023, March 29). Personal communication [Phone interview].