State plate · KY
Assisted living in Kentucky
Kentucky licenses assisted living through CHFS, Office of Inspector General, under the license types Assisted Living Community: ALC, ALC-BH; ALC-DC (secured dementia care unit); Personal Care Home. The state's own list, as of October 2026 directory, counts 245 licensed facilities with 9,901 units; 199 of them have 20 or more, the smallest size HUD's Section 232 program insures. HUD's active-loan file shows 9 FHA-insured assisted living loans in Kentucky with $75.1 million outstanding as of September 30, 2026.
Licensing
- Licensing agency
- CHFS, Office of Inspector General
- License types
- Assisted Living Community: ALC, ALC-BH; ALC-DC (secured dementia care unit); Personal Care Home
- Official program page
- chfs.ky.gov
- Facility list
- XLSX (Oct 2026)
Licensing details checked against each agency's site on 2026-10-24. HUD requires a Section 232 assisted living project to be licensed or regulated by the state and have at least 20 beds.
Licensed supply, from the state's list
| Facilities on the list | 245 |
|---|---|
| Licensed units | 9,901 |
| Facilities with 20 or more units | 199 (81% of facilities, 93% of units) |
| Homes with 6 or fewer units | 0 |
| Median size | 34 units |
| Memory care | 2,036 ALC-DC (dementia care) units in 85 facilities |
Covers: Assisted living community licenses. Source: chfs.ky.gov, as of October 2026 directory.
CDC survey profile (2020)
The National Post-acute and Long-term Care Study, run by CDC's National Center for Health Statistics, estimates residential care communities with four or more beds. 2020 is its latest wave with state figures, so these numbers differ from the state's own list.
| Measure | Kentucky | US |
|---|---|---|
| Communities | 240 | 30,600 |
| Beds | 12,600 | 1,197,600 |
| Average beds per community | 52 | 39 |
| For-profit | n/a% | 81.9% |
| Chain affiliated | 65.0% | 61.4% |
| Medicaid certified | 12.3% | 43.6% |
| Dementia-only communities | n/a | 10.5% |
| Dementia-only or with a dementia unit | 28.5% | 20.5% |
| Residents 85 and older | 45.6% | 49.9% |
| Residents with Alzheimer disease or other dementias | 32.0% | 42.1% |
Source: CDC/NCHS, Biennial Overview of Post-acute and Long-term Care (data.cdc.gov). Percentages are of communities, except the resident rows.
HUD Section 232 assisted living loans
- Active FHA loans
- 9
- Outstanding
- $75.1 million
- Median note rate
- 3.55%
- Endorsed since FY2001
- 15
Since fiscal 2001 HUD has endorsed 15 FHA-insured assisted living loans in Kentucky for $99 million of original principal, 2 of them for new construction or substantial rehabilitation, and 5 since fiscal 2021. 3 of today's active loans carry a note rate of 5% or more.
| Property (HUD name) | City | Units | Endorsed | Rate | Balance | Matures |
|---|---|---|---|---|---|---|
| Northwind-barrington of Fort ThomasFHA 08322086 | Fort Thomas | 220 | Sep 2019 | 3.04% | $18,215,394 | Oct 2054 |
| Friendship TowersFHA 08322130 | Lexington | 117 | May 2025 | 6.28% | $12,985,688 | Jun 2060 |
| Charter Senior Living of Bowling GreenFHA 08322132 | Bowling Green | 261 | Sep 2025 | 6.14% | $11,947,165 | Oct 2060 |
| Stilley HouseFHA 08322104 | Benton | 73 | Sep 2021 | 2.30% | $10,011,446 | Oct 2056 |
| Robinbrooke Senior LivingFHA 08322102 | Elizabethtown | 60 | Sep 2021 | 2.30% | $8,579,949 | Oct 2056 |
| Rivercrest PlaceFHA 08322154 | Paducah | 58 | Sep 2026 | 5.80% | $7,998,500 | Oct 2061 |
| The Paragon of MadisonvilleFHA 08343119 | Madisonville | 41 | Jun 2013 | 3.55% | $2,349,774 | Jan 2046 |
| Amber OaksFHA 08322050 | Shelbyville | 37 | Jun 2015 | 3.66% | $1,658,163 | Jul 2050 |
| The Paragon at West ParkFHA 08343120 | Paducah | 45 | Apr 2013 | 3.00% | $1,399,335 | May 2038 |
Active loans: HUD FHA insured mortgages, active, as of September 30, 2026. Endorsements: HUD Office of Healthcare Programs database, data run July 8, 2026. Facility type comes from HUD's endorsement records.
Own or are buying an assisted living or memory care building in Kentucky? See what HUD, Fannie Mae and Freddie Mac would lend against your NOI.
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ALF Atlas is operated by Janover Capital LLC and is not affiliated with HUD, FHA, CDC or any state agency. Methodology.