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Assisted Living Communities in Owensboro, Kentucky

Owensboro sits along U.S. Route 60, about 100 miles outside Louisville, and serves as the seat of Daviess County. In this community, assisted living facilities set a baseline monthly fee of around $2,808 in 2024, bringing savings over the Kentucky median of $4,335. The region offers a diverse range of options for those seeking this level of care, including 9 facilities within Owensboro and 10 more in nearby cities.

Below, you’ll find 73 reviews testimonials of local assisted living facilities, helping you identify options that may fit your needs. Altogether, these facilities average 3.8 out of 5 stars stars from reviewers.

Directory of Assisted Living in Owensboro, KY

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The Cost of Assisted Living in Owensboro, KY and Nearby Cities

Based on insight from the 2024 Genworth Cost of Care Survey, assisted living costs in Owensboro run around $2,808 per month. This falls below the respective state and national norms of $4,335 and $5,350, as well as costs in several nearby cities. For example, seniors in Elizabethtown pay about $5,250, and in Louisville, facilities charge approximately $5,342.

Owensboro

$2,808

Kentucky

$4,335

The United States

$5,350

Bowling Greenn

$4,740

Elizabethtown

$5,250

Lexington

$5,188

Louisville/Jefferson County

$5,342

Paying for Assisted Living in Owensboro, KY

Financial Assistance for Assisted Living in Owensboro

While Kentucky does not use Medicaid to cover assisted living services, seniors who receive Supplemental Security Income and the optional state supplement may use this benefit toward expenses.

Learn more about these programs, plus who’s eligible, on our Assisted Living in Kentucky page.

More Ways to Pay for Assisted Living

While many families use their own funds or personal assets to pay for assisted living, there are plenty of additional options to cover these costs. Some additional ways to finance assisted living costs include:

  • Veterans Benefits
  • Life Insurance Policy
  • Long-Term Care Insurance
  • Reverse Mortgage

For more information about different ways to finance assisted living, visit our Assisted Living in Kentucky page.

The Cost of Other Types of Senior Living in Owensboro, KY

Assisted living costs in Owensboro trend close to $2,808 per month, offering financial incentives over other local senior care solutions. For example, home health care costs about $430 more and doesn't include meals and housing, and nursing home care costs roughly $6,935 for semi-private units.

Home Health Care

$3,241

Assisted Living Facility

$2,808

Nursing Home Facility (semi-private room)

$6,935

Free Assisted Living Resources in Owensboro

Owensboro seniors have access to a broad range of resources to help them make the best decisions for their long-term care needs. The following table features local nonprofit agencies and programs that provide one-on-one options counseling, benefits screenings, information and referrals for community-based services and social and recreational activities.

ResourceContactService
Green River Area Development District(270) 926-4433The Green River Area Development District is the designated Area Agency on Aging and Aging and Disability Resource Center for the Owensboro region. Through its Aging & Disability Services program, it provides health insurance options counseling to help older adults identify the best ways to pay for assisted living, and it operates the region’s Senior Medicare Patrol program to reduce Medicare waste and fraud. It also has a Veteran-Directed Home and Community Based Services program to help veterans access the services they need.
Kentucky Department of Veterans Affairs | District 5(270) 684-5034The Kentucky Department of Veterans Affairs: District 5 office serves veterans in Owensboro and the surrounding region. This local office specializes in helping veterans obtain the benefits they’re entitled to, including the Aid and Attendance benefit and pension programs, which can help cover assisted living. The office can also connect individuals with social support, volunteer opportunities and community-based services.
Senior Community Center of Owensboro-Daviess County(270) 687-4640The local senior center provides a range of social and recreational activities for older adults in the Owensboro region. It has a rotating calendar with activities such as dance classes, bingo, yoga, crafts and line dancing. It also helps qualifying seniors access benefits and services such as senior counseling services, Medicaid assistance and transportation.
Audubon Area Community Services(270) 683-1527Audubon Area Community Services operates the region’s Retired and Senior Volunteer Program, which connects those aged 55 and over with volunteer opportunities in the community. Volunteer options include mentoring and tutoring local children in their schools, distributing food in food banks and providing administrative support for nonprofit agencies.
Kentucky Legal Aid(270) 683-4585Kentucky Legal Aid specializes in age-related issues such as drafting wills, assigning powers of attorney and reviewing assisted living contracts and payment arrangements. The office can also help seniors resolve issues related to public benefits such as denied Medicare claims or Social Security overpayment.

What to Consider About Assisted Living in Owensboro

Assisted living facilities in Owensboro must be certified annually by the Kentucky Cabinet for Health and Family Services. This governing body enforces compliance with a range of regulations to support residents’ comfort and health through scheduled and unannounced visits. It also investigates reports of noncompliance or inferior quality of care.

Benefits and Drawbacks of Assisted Living in Owensboro

  • Owensboro is an affordable place to live, even compared to the rest of Kentucky, where the overall cost of living is about 15% below the national median. Housing costs are especially low, and utilities are relatively affordable, which may result in competitive assisted living rates. Transportation costs such as auto insurance and gasoline are also low compared to the state averages. 
  • Kentucky’s income tax laws are friendly towards retirees and may help assisted living residents in Owensboro to afford their care more easily. Seniors don’t pay state taxes on Social Security benefits, and while other types of retirement income are taxed, a large deduction is available to minimize the financial burden. Property and sales taxes are low. 
  • Owensboro residents enjoy four distinct seasons, with year-round temperatures ranging between 25 and 89 degrees. Spring and autumn are the most comfortable months, featuring mild temperatures and low humidity levels. Summers are hot and July is particularly humid. Winters are chilly, but the city sees just 7 inches of annual snowfall, which may appeal to those who do their own driving or rely on mobility aids.  
  • Property crime is somewhat prevalent in Owensboro, but the violent crime rate is relatively low. On a 100-point crime index, with a higher score representing more incidents, Owensboro’s property crime rate is 56.1 versus the national average of 35.4, and the violent crime rate is about seven points lower than the national figure at 15.8. This type of crime happens considerably less in Owensboro than in similarly sized cities such as Bowling Green.  
  • Healthcare is slightly more expensive in Owensboro than in the nation as a whole, and there are about 20 fewer physicians per 100,000 people than the national median. The city is home to Owensboro Health Regional Hospital, a 477-bed facility with 24-hour emergency care. 

Assisted Living Laws and Regulations in Owensboro

Owensboro-area assisted living communities must adhere to the comprehensive set of state laws and regulations that all assisted living communities in Kentucky are required to follow. Visit our Assisted Living in Kentucky page for more information about these laws.

Reviews of Communities Nearby

Assisted Living

John PM

I am a friend or relative of a current/past resident

Review of Cedarhurst of Owensboro

I have a family member who lives at Cedarhurst. All of our interactions with the staff there have been good. Staff goes above and beyond to take care of her. Anything we have ever asked about, they...

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Assisted Living

Sharon

I visited this facility

Review of Heritage Place

The staff at Heritage Place was very friendly, and they seemed very caring about their residents. The residents were very friendly. They seemed to have adequate staffing, and they had activities...

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Assisted Living

Douglas

I visited this facility

Review of Cedarhurst of Owensboro

I went to Cedarhurst of Owensboro. We visited with Andrea, the customer relations person, and she was very nice. They offer memory care, and they are licensed as a personal care facility. They...

Read more

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Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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