Nursing home, semi-private room costs in Kentucky
Here is the middle of the price range in Kentucky, and then — because it is the question that actually follows — who pays for it. The short answer on that second one surprises most people: Medicare does not.
The Kentucky median
$9,718 a month
- Works out to, monthly
- $9,718
- Works out to, yearly
- $116,616
That is almost exactly the national median of $9,581 a month. Within Kentucky the spread is usually wider still: a city costs more than a rural county, often by a great deal.
A room shared with one other resident in a licensed nursing facility, with round-the-clock nursing supervision, meals, laundry and basic supplies included in the room charge.
What this number is, and what it is not.
It comes from an industry cost-of-care survey — providers reporting their prices — not from a government rate table. There is no federal agency that publishes what assisted living costs, which is why the survey is the source of record here and why we label it plainly rather than dressing it up as official.
A median means half charged more and half charged less. It is not a quote for any particular home, agency or facility, and no provider is bound by it. Prices collected for the 2025 survey.
Where Kentucky sits
$9,718 a month ranks Kentucky 29th of the 50 states priced for nursing home, semi-private room: 28 charge more, 21 charge less.
North Carolina is the next state up, at $9,733; Mississippi the next down, at $9,581.
The national median is $9,581, so Kentucky runs $137 above it — 1% more, or $1,644 a year ($137 × 12 months).
The column runs $5,627 (Texas) to $27,831 (Alaska). Kentucky sits 18% up it, 1.73× the lowest, with 18 other within a tenth of it.
Of the 6 kinds of care Kentucky was priced for, this is its 3rd dearest standing: at best 6th of 46 for skilled nursing at home (private duty nurse), at worst 37th of 50 for assisted living community.
What $9,718 a month becomes
Our multiplication, holding the Kentucky median flat — no real bill does — with the same span of the state's least costly priced care beside it:
Six months
$58,308
$11,440 of adult day health care
One year
$116,616
$22,880 of adult day health care
Two years
$233,232
$45,760 of adult day health care
Three years
$349,848
$68,640 of adult day health care
Five years
$583,080
$114,400 of adult day health care
Care is bought in years, not months, and $9,718 a month is $116,616 a year.
Five years at the national median would be $574,860: $8,220 less than five years in Kentucky.
Inside Kentucky, five years of adult day health care runs $114,400 and five of skilled nursing at home (private duty nurse) $1,716,000; this page's $583,080 sits 29% between them. Most families pay for more than one of these in sequence.
Against other care in Kentucky
Converted to a month on our schedule, set beside this page's $9,718:
Skilled nursing at home (private duty nurse)
$28,600 a month
$18,882 a month more, $226,584 a year, 2.94× this page. Kentucky places 6th of 46 for it, 23 above its 29th here.
Nursing home, private room
$11,254 a month
$1,536 a month more, $18,432 a year, 1.16× this page. Kentucky places 27th of 49 for it, 2 above its 29th here.
In-home care (non-medical caregiver)
$6,292 a month
$3,426 a month less, $41,112 a year, 0.65× this page. Kentucky places 36th of 50 for it, 7 below its 29th here.
Assisted living community
$5,528 a month
$4,190 a month less, $50,280 a year, 0.57× this page. Kentucky places 37th of 50 for it, 8 below its 29th here.
Adult day health care
$1,907 a month
$7,811 a month less, $93,736 a year, 0.20× this page. Kentucky places 31st of 45 for it, 2 below its 29th here.
On the same monthly footing, nursing home, semi-private room is the 3rd costliest of the 6 kinds of care priced in Kentucky, at $9,718. The conversions are ours; the medians are the survey's.
44 hours a week of in-home care in Kentucky is $6,292 a month against $5,528 for assisted living — 12% less. The first buys 44 hours and nothing else; the second includes the room, the meals, and someone awake overnight.
Who actually pays for this
This is the part most cost pages leave out, and it is the part that changes what a family does next.
Medicare does not pay for long-term care
Medicare pays for short stretches of skilled care — a limited stay in a skilled nursing facility after a qualifying hospital admission, or skilled home health under specific conditions. It does not pay for custodial care: help with bathing, dressing, meals, medication reminders and supervision. That is what most people need, and for years at a time.
Medicare's own page on long-term care ↗ says the same thing in its own words. It is worth reading once, because almost everyone assumes the opposite.
Medicaid may pay — after a spend-down
Medicaid is the largest payer of long-term care in the country, but it is needs-based: it begins once income and countable savings are inside the limits Kentucky sets. Getting there by spending savings on care is what people mean by a spend-down. There is also a look-back period, so gifts and transfers made in the years beforehand matter.
Veterans: Aid and Attendance may help
A wartime veteran, or a surviving spouse, who needs help with daily activities may qualify for an addition to the VA pension called Aid and Attendance. It is an income-and-net-worth benefit, it is paid monthly, and a great many families who qualify have never heard of it. Accredited veterans service organizations help with the claim for free.
Otherwise: savings, family, and long-term care insurance
Most families pay out of pocket first — from savings, a pension, the sale of a house, or several relatives contributing. A long-term care insurance policy bought years ago pays a daily or monthly amount if the policy's conditions are met; if there is a policy in the family, find it and read what triggers it before you need it.
Working out which of these applies to one particular family is exactly what a free Kentucky counselor does all day. They are paid by a federal grant, not by commission, and they have nothing to sell you. The Eldercare Locator (ACL): 1-800-677-1116 ↗ will connect you to the area agency on aging for your county.
Who to ask in Kentucky
Kentucky's free counseling program is State Health Insurance Assistance Program (SHIP), on 1-877-293-7447. It is grant-funded and sells nothing.
the Kentucky Cabinet for Health and Family Services, Department for Medicaid Services decides Medicaid long-term care here — not a facility, and not us. Kentucky runs it as Nursing facility (institutional) Medicaid, Home and community based services waiver and Medically needy Medicaid for the aged, blind and disabled, with a 60-month look-back on gifts and transfers.
Beside $9,718 a month — our comparison, its limits — that is what "spend-down" means: a single applicant's monthly income may not top $2,982, which this bill clears 3.3 times over, countable assets may not top $2,000, or about 6 days of nursing home, semi-private room at this rate and an at-home spouse may keep up to $162,660, or about 17 months of it.
Verified 2026-08-02 against CareScout (formerly Genworth) Cost of Care Survey 2025, fielded July-November 2025 (effective 2026-01-01)— an industry survey, not a government figure. Why we use it.
Verified 2026-08-02 against SHIP National Technical Assistance Center (effective 2026-01-01)— an industry survey, not a government figure. Why we use it.
Verified 2026-08-02 against Kentucky Cabinet for Health and Family Services, Division of Family Support Operation Manual Volume IX, Transmittal OMTL-690 (3/9/26) — 2026 Federal Poverty Level increase and 2026 Spousal Impoverishment Standards, with 907 KAR 20:025 (effective 2026-01-01)
Common questions
- Does Medicare pay for nursing home, semi-private room in Kentucky?
- No. Medicare pays for short stretches of skilled care after a qualifying hospital stay, and for skilled home health in limited circumstances. It does not pay for long-term custodial care — help with bathing, dressing, meals and supervision — which is what most families are actually paying for.
- Is nursing home, semi-private room dearer in Kentucky than in other states?
- $9,718 a month places Kentucky 29th of the 50 states the survey priced for it: 28 charge more and 21 charge less. The national median is $9,581. That ranking is our arithmetic on the survey's published medians, not a ranking the survey itself publishes.
- Is this the price I will be quoted in Kentucky?
- No. It is the middle of a range from an industry cost-of-care survey: half of the providers surveyed charged more, half charged less. Prices vary a great deal between a city and a rural county in the same state, and no facility is bound by this figure.
- Who can help me work out how to pay for it?
- Kentucky runs its free counseling program as State Health Insurance Assistance Program (SHIP), on 1-877-293-7447. It is paid for by a federal grant, sells nothing, and the Eldercare Locator (1-800-677-1116) will connect you to the area agency on aging that covers your county.