How Much Does In-Home Care Cost in {state}?
The average cost of in-home care in Kentucky is $4,576/mo ($54,912/yr), which is 20% below the national average.
Monthly Cost
$4,576/mo
Annual Cost
$54,912/yr
National Average
$5,720/mo
Cost by City
| City | Monthly Cost | Annual Cost | Difference |
|---|---|---|---|
| Louisville | $4,800/mo | $57,600/yr | +4.9% |
| Lexington | $4,600/mo | $55,200/yr | +0.5% |
| Bowling Green | $4,400/mo | $52,800/yr | -3.8% |
Nearby States
Medicaid Coverage — Kentucky
Medicaid accepted in this state Kentucky accepts Medicaid for in-home care services.
- Medicaid eligibility requirements vary — income and asset limits apply.
- Many states offer Home and Community-Based Services (HCBS) waiver programs.
- Contact your local Area Agency on Aging for application assistance.
How to Save
- 1. Ask for the cash/self-pay price — often 40-60% less than the billed price.
- 2. Compare prices between hospitals and freestanding centers.
- 3. Check if your insurance covers the procedure and what your copay will be.
- 4. Ask about payment plans or financial assistance programs.
- 5. Consider nearby states — prices can vary significantly across state lines.
Data sourced from Genworth/CareScout Cost of Care Survey 2025. Last updated: 2026-03-01. This information is for educational purposes only and does not constitute medical advice.