Kentucky 55+ Active Adult Retirement Communities

1 Communities in Kentucky

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Kentucky provides endless opportunities for active adults to explore cultural attractions and recreational activities. From hiking the Appalachian Mountains to boating on the Mississippi River, residents of active adult communities in Kentucky always have an adventure awaiting them.

Age-restricted communities in Kentucky enjoy proximity to exciting cultural offerings like Bourbon County, bluegrass music, and the fabled Kentucky Derby. Kentucky is also home to many museums, state parks, and world-class restaurants. Active adult communities in Kentucky are attractive to retirees because of its affordability, providing residents with a favorable tax structure and very low cost of living.

Climate & Geography

Kentucky is located in the east south-central region of the United States, an area sometimes referred to as Upland South. It is bordered by Tennessee to the south, West Virginia and Virginia to the east, Ohio, Indiana, and Illinois to the north, and Missouri to the west.

Active adult communities in Kentucky are in the state s five primary regions. In the east is the Cumberland Plateau that sits in the southern part of the Appalachian Plateau. In the north is the Bluegrass region, a savannah of wide grasslands that is now seeing rapid development. Along the southern part of the state is the Pennyroyal Plateau, a hilly region known for its wide assortment of caves. Directly to the north of the Pennyroyal Plateau is the Western Coal Fields region, where most of the state s coal mines are found. Along the westernmost tip of Kentucky is the Jackson Purchase, featuring large lakes, low hills, and swamps. Excluding Alaska, active adult communities in Kentucky enjoy more navigable miles of water than any other state in the country.

55+ communities in Kentucky experience a humid subtropical climate. During the summer months, temperatures usually reach a high of approximately 87 degrees and in the wintertime reach a low of 23 degrees. Kentucky also has a distinct four-season climate and experiences an active tornado season. On average, Kentucky has 46 inches of rain per year.

Recreation, Culture & Entertainment

Age-restricted communities in Kentucky enjoy proximity to some of the most desirable attractions in the region. Residents of active adult communities in Kentucky have access to 50 state parks featuring camping areas, vast lakes, and hiking trails in the Appalachians. Kentucky is also renowned for its extensive system of lakes and rivers, allowing active adults endless opportunities for boating or water skiing. There are also several caves in the northern part of the state for spelunking adventures.

Kentucky s largest city, Louisville, is home to several museums, world-class restaurants and terrific shopping. Residents of 55+ communities in Kentucky can visit the Louisville Slugger Museum & Factory, the Kentucky Derby Museum, or the historic site of Conrad s Castle. Old Louisville hosts the largest Victorian historic neighborhood in the country, the St. James Court Art Show, and award-winning restaurants that blend Southern and Midwestern cuisine.

Active adult communities in Kentucky also have the Bourbon County Trail at their fingertips, offering eight distilleries open for tours and tastings. Musically inclined active adults can enjoy the famed music venues throughout the state featuring the best of bluegrass. Sports fans have plenty to root for with the Louisville Cardinals, Kentucky Wildcats, and many other college sports teams throughout the state.

Cost of Living & Taxes

Kentucky is generally less expensive than the rest of the United States. On average, those who call 55+ communities in Kentucky home will spend 26% less on housing than their counterparts throughout the country, with residents of Louisville spending 45% less. Kentuckians spend 5% less on healthcare, utilities, and groceries than the rest of the country.

Residents of 55+ communities in Kentucky are taxed in six income brackets ranging from two to six percent. Federal, state and private pensions are tax exempt up to $41,110 and while Kentucky does have an inheritance tax, spouses, parents, children, grandchildren and siblings are exempt. The sales tax in Kentucky is 6 percent.


Age-restricted communities in Kentucky are close to several high-ranking hospitals. The Baptist Health hospitals, located in Lexington and Louisville, have a combined 19 high-performing specialties. Farther north, St. Elizabeth Edgewood has nine high-performing specialties. King s Daughter Medical Center in Ashland serves the Eastern Coal Fields and specializes in pulmonology.