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ElderCareCosts
Updated August 2026

Memory Care in Independence, Kentucky

We're still building out our memory care directory for Independence, KY. The median estimated cost is $6,833/mo. That's roughly in line with the Kentucky state median. Browse nearby cities or the Kentucky page while we finish adding local providers.

Not sure which type of care fits? Take our 3-question care quiz →

Median monthly price, Independence

$6,833/mo

Estimated range $6,559 – $7,106

● Independence $6,833 ○ National median $7,788

Source: Based on 2025 assisted living costs plus a memory care premium

What senior care costs in Independence

2025 figures

Memory Care cost comparison (2025)
Memory CareIndependenceKentuckyNational
25th percentile$6,559/mo$6,634/mo$6,861/mo
Median$6,833/mo$6,910/mo$7,788/mo
75th percentile$7,106/mo$7,186/mo$8,854/mo

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Staying home instead

Home care in Independence runs about $32 an hour. Here is what common schedules cost a month:

Hours of careWhat it looks likeEst. monthly cost
20 hrs/weekMornings or afternoons, weekdays~$2,785
44 hrs/weekMost of every weekday$6,127
24/7 (168 hrs/week)Round-the-clock coverage~$23,394

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Medicare generally does not cover long-term custodial care. Families usually combine private pay, long-term care insurance, VA Aid and Attendance, or a Medicaid waiver where they qualify. See paying for care and the state Medicaid guides.

Nearby cities: Florence

What can you afford?

Here is what different monthly budgets cover in Independence.

Under $2,500/mo

Adult day, family care, or affordable senior housing

Adult day care in Independence runs about $1,886 a month. Income-restricted affordable senior housing is the other common choice, and Independence has 2 such properties. The county aging agency at (859) 692-2480 can help you sort through options for free. If money is very tight, ask about Medicaid waivers.
$2,500 – $7,000/mo

Part-time home care or entry assisted living

Part-time home care usually falls here. Full-time care at 44 hours a week runs about $6,127 a month. The local assisted living median is $5,466 a month, and smaller homes often charge less. If Medicaid may apply, ask about waiver programs.
$7,000 – $11,000/mo

Assisted living with room to spare

Covers the Independence assisted living median of $5,466 a month with room to spare. It also covers close to full-time home care, about $6,127 a month.
Over $11,000/mo

Nursing care or heavy home-care schedules

Nursing homes in Independence run about $9,609 a month at the median. Around-the-clock home care usually costs more.
Find options that fit your budget
Tell us how you plan to pay and we'll send licensed options that fit.
Find care options →

Memory Care in Independence

We do not list a licensed memory care community in Independence yet. An advisor can tell you what is near Independence at no cost. Sponsored

We don't have licensed memory care communities listed for Independence, KY yet.

Nearby cities are linked below.

In the last 365 days: 2 newly licensed. Counts come from our ingestion diffs, not a complete state registry dump.

Free local help worth saving

Independence, in Kenton County, has about 29,392 residents. About 3,131 of them (11%) are 65 or older. The median household income is $102,361.

Source: US Census Bureau
  • Northern Kentucky AAA(859) 692-2480nkadd.org

    Area Agency on Aging serving this city.

  • Kentucky Long-Term Care Ombudsman Programltcombudsman.org

    State Long-Term Care Ombudsman program.

  • Kentucky State Health Insurance Assistance Program (SHIP)shiphelp.org

    State Health Insurance Assistance Program (SHIP).

  • Kentucky 2-1-11-877-925-0037kentucky211.org

    Statewide help for older adults, people with disabilities and caregivers.

  • Bellevue VA Clinicva.gov

    Primary Care Community-Based Outpatient Clinic in Bellevue.

  • Home and Community Based WaiverOfficial program page

    Can help pay for care if your parent qualifies.

National helplines, including the Eldercare Locator and 211, are listed on paying for care.

Veterans & surviving spouses: VA Aid & Attendance can help wartime veterans who qualify. How Aid & Attendance works →

Questions families ask

Is memory care in Independence more expensive than the rest of Kentucky?

Independence's median memory care cost is about 1% lower than the Kentucky state median.

Find Independence care options

Tell us what you need and your budget, and we will email you licensed options right away.

Find care options →

Reading up first? Memory Care across Kentucky → · Memory Care cost across Kentucky → · Memory Care vs Assisted Living →

Touring this week? Print our checklist: what to ask on a tour, what to notice, and the license paperwork to request. Or email it to yourself to have it on your phone.

Memory Care in Independence: 2026 Costs & Licensed Providers