Senior Moves

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Planning Ahead: Real Estate Needs for Seniors in Kentucky

As we grow older, our housing needs often change. The charming farmhouse, sprawling suburban home, or multi-story property that once worked perfectly may now pose new challenges. For seniors in Kentucky, thoughtful real estate planning can ensure a living space that is safe, comfortable, and financially sustainable—whether you’re in the heart of Lexington, the quiet hills of Eastern Kentucky, or the lakefront communities in the west.

1. Accessibility and Safety

Mobility and safety are top priorities. In Kentucky’s mix of historic homes and new builds, it’s important to find or adapt properties that offer:

  • Single-level living to avoid stairs

  • Wide doorways/hallways for walkers or wheelchairs

  • Step-free entryways (especially important during icy winters)

  • Walk-in showers with grab bars instead of tubs

  • Non-slip flooring for extra safety

Home modifications are common in Kentucky, and many local contractors specialize in senior-friendly renovations.

2. Proximity to Services

Kentucky seniors benefit from being close to healthcare and essential services. Depending on where you live:

  • Lexington, Louisville, and Bowling Green offer world-class hospitals, senior centers, and public transit options.

  • Rural areas may require choosing a home near a small town with grocery stores, pharmacies, and clinics.

  • Proximity to family can also make a huge difference in day-to-day support.

Kentucky’s tight-knit communities also mean many seniors stay involved through churches, community centers, and volunteer opportunities.

3. Downsizing and Maintenance

A large property can become a burden. Downsizing in Kentucky might mean:

  • Moving to a patio home or condo in cities like Lexington or Louisville, where exterior maintenance is handled for you

  • Choosing a smaller home in a 55+ community, like those in Georgetown, Richmond, or Florence

  • Transitioning to independent living apartments in senior communities

Selling a larger home in Kentucky’s competitive market can free up equity and reduce expenses while simplifying life.

4. Financial Planning

Housing changes in retirement should fit comfortably into your budget.
In Kentucky, seniors should consider:

  • Whether to pay off a mortgage before retiring

  • Property tax rates (which are generally lower than the national average)

  • Available programs like the Kentucky Homestead Exemption, which reduces taxable property value for seniors over 65

  • The impact of selling a long-owned home on retirement savings

A financial planner can help integrate these real estate decisions into your overall retirement plan.

5. Emotional Considerations

In Kentucky, it’s common for seniors to have lived in the same home for decades, often with deep family and community ties. The decision to move can be emotional. Give yourself:

  • Time to plan and tour new homes or communities

  • A chance to involve family in the process

  • Room to think ahead about future mobility and care needs

Moving before urgent health changes happen often leads to a smoother transition.

6. Professional Guidance

Not all real estate agents specialize in senior needs. Working with a Senior Real Estate Specialist (SRES®) or a local agent familiar with Kentucky’s market can make all the difference. They can:

  • Identify age-friendly properties in your preferred area

  • Connect you with trusted contractors for accessibility upgrades

  • Provide insight into Kentucky-specific housing trends and pricing

Kentucky Senior Resources & Services

Here are some trusted local organizations and services that can help seniors plan for a move and maintain independence:

Housing & Senior Living

  • Kentucky Housing Corporation (KHC) – Affordable housing programs for seniors (www.kyhousing.org)

  • Atria Senior Living – Multiple Kentucky locations offering independent and assisted living (www.atriaseniorliving.com)

  • Morning Pointe Senior Living – Communities in Lexington, Louisville, and surrounding areas (www.morningpointe.com)

Financial Assistance & Planning

  • Kentucky Homestead Exemption – Reduces taxable value for homeowners 65+ (Kentucky Department of Revenue)

  • Bluegrass Area Development District Aging Services – Offers guidance on financial, housing, and care planning (www.bgadd.org)

In-Home Support & Moving Help

Final Thoughts
Senior real estate planning in Kentucky is about more than finding a house—it’s about creating a living space that supports health, safety, and enjoyment in the years ahead. With the right planning, resources, and professional help, seniors can make their next chapter one of comfort, security, and community.