About Assisted LivingAssisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.Complete guide to assisted livingBest of 2025 Assisted Living Winners
About Memory CareMemory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering. Complete guide to memory careBest of 2025 Memory Care Winners
About Independent LivingIndependent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.Complete guide to independent livingBest of 2025 Independent Living Winners
About Senior LivingSenior living is a term used to describe various housing and care options for older adults from maintenance-free, 55+ facilities for active seniors, to secure, fully staffed facilities for seniors with Alzheimer's or dementia. Complete guide to senior livingFind senior living facilities near you
About Nursing HomesNursing homes provide short-and long-term care for seniors who have physical or mental health conditions that require 24-hour nursing and personal care.Complete guide to Nursing Homes
About Senior ApartmentsSenior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.Complete guide to Senior Apartments
About Care HomesResidential care homes are shared neighborhood homes for seniors who need a live-in caregiver to assist with activities of daily living, like dressing and bathing.Complete guide to care homes
Veteran ResourcesVA benefits for long-term care, such as Aid and Attendance benefits, can help eligible veterans and their surviving spouses pay for senior care.Guide to VA benefits for long-term care
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10 Best Independent Living Communities in Lower Spencer, KY

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The cost of independent living in Lower Spencer is about $3,184 per month. To find the best independent living for your preferences and budget, browse these 83 options. Read 881 reviews, see photos, and learn about amenities that make independent living the ideal next step for adults 55+ who wish to enjoy friendships and hobbies without the hassle of cooking and home maintenance.

As you explore independent living near you, you may also want to consider options in areas like You may also consider nearby communities such as Winchester, Morehead and Mount Sterling.

Lower Spencer Independent Living Facilities | 881 Reviews

Showing 75 communities
Last Updated: 11/27/25
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Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Photo of Liberty Commons
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Photo of Martin's Rest Home Inc
Provides: Assisted Living, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Photo of Ashland Terrace Retirement
Provides: Independent Living
Care types provided by this community
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Ashland Terrace has served Lexington, Kentucky as a nonprofit community for over one hundred and fifty years, providing reasonably priced housing and meals for independent women over sixty five.Located in a quiet, historic neighborhood of Chevy Chase, the Ashland Terrace environment is secure and...
Photo of Belmont Senior Apartments
5 star
67%
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Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Belmont Senior Apartments, a community serving individuals and couples 55 and over, is located in Cynthiana KY in Harrison County. Considered by many to be the horse racing capitol of the United States, Kentucky has much to offer its residents, as well as their friends and family. Staff at...
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Photo of Bluegrass Personal Care Home
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Photo of Friendship Towers
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Provides: Assisted Living, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
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Photo of Emerson Center Inc
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Emerson Center IncEmerson Center Inc. is a senior housing community in the shadow of the Blue Ridge Mountains near the city of Lexington, Fayette County, KY. The temperate climate of the region is perfectly conducive to maintaining the health of the 55 and older set. Here they can sit back and...
Photo of Berea Manor
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Situated in Georgetown, Kentucky, Overlook at Elkhorn Creek is an excellent choice for seniors who want to live comfortable lives in small-town surroundings. Our senior apartments sit on Turning Leaf Path, which combines with their lawns to create the picture-perfect scene of the American home....
Photo of Council Oaks Assisted Living
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Photo of Creekside Senior Apartments
44 Photos available
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Come live in a nature-like setting, quietly tucked away in Nicholasville. Yet be close to all the conveniences of city living. We have the ideal place for you. At Creekside Senior Apartments you'll never be too far from schools, parks, banks, stores, post offices, and downtown. These spacious one...
Photo of Rose Terrace Lodge Inc
Provides: Assisted Living, Memory Care
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Photo of Trinity Properties
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Trinity Properties is located only minutes from historic downtown Georgetown and is looking for tenant like you.  This established property is surrounded by a safe and secure community and a warm staff that is there to make your experience as pleasurable as possible and provide an...
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Photo of Elk River Apartments
1.0
Review score
6 reviews
1.0
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6 reviews
5 star
50%
4 star
0%
3 star
17%
2 star
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1 star
33%
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I love it here! It's a very nice looking, very clean place. I was able to get a very spacious apartment, with a nice little outdoor porch area. It's just been so convenient! They've got an elevator for...
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Elk River is nestled away in a quiet, wooded subdivision on top of a hill.  You canwalk down the hill to fish in a branch off Elkhorn Creek, or you can simply enjoy watching the activity of the wildlife surrounding Elk River.  Here at our elderly community in...
Photo of Wesley Methodist Village
Provides: Assisted Living, Memory Care, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Memory Care: Memory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Photo of Midway School Apartments
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Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Midway School Apartments is an affordable senior housing complex for seniors 55 and older located in the beautiful small town of Midway, Woodford County, Kentucky. Midway School Apartments is located nearby to numerous houses of worship, shops and restaurants, historic and antique sights and...
Photo of Mountain Valley Rest Home
Provides: Assisted Living, Independent Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.
Independent Living: Independent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.
Photo of Arbor Place Townhomes
Provides: Senior Apartments
Care types provided by this community
Senior Apartments: Senior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.
Arbor Place Townhomes is a community for senior housing for those aged 55 and over, located in Versailles, Woodford County, Kentucky. Set in a beautiful, expansive, tree covered and quiet neighborhood, the community is perfect for senior residents seeking a home away from the chaos of the city....
Provides: Assisted Living
Care types provided by this community
Assisted Living: Assisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.

Cost of independent living in Lower Spencer, KY

The average cost of senior living in Lower Spencer is $3,184 per month. Cheaper nearby regions include Ewing, KY with an average of $320 per month.

Independent living costs in Lower Spencer, KY, vs. nearby cities

Lower Spencer, KY
$3,184/mo
$3,235/mo

Independent living costs in Lower Spencer, KY, vs. state and national averages

Lower Spencer, KY
$3,184/mo
U.S. national average
$4,158/mo

Independent living costs in Lower Spencer, KY, vs. other senior living options

$4,673/mo
Independent Living
$3,184/mo

Independent living costs in Lower Spencer, KY, by floor plan type

Semi-Private
$5,630/mo
Studio
$5,144/mo
1 Bedroom
$4,692/mo
2 Bedroom
$6,117/mo
Detached Cottage/Bungalow
$4,692/mo

Senior living costs in Lower Spencer vs. state and national costs

Cost comparison table showing community type costs by location. This table contains 3 rows of data across 4 columns.
Column communityType: Community type
Column destination: Lower Spencer, KY
Column state: Kentucky
Column national: U.S.
Community typeLower Spencer, KYKentuckyU.S.
Independent Living$3,184/mo$3,292/mo$4,158/mo
Assisted Living$4,673/mo$4,366/mo$4,710/mo
Memory Care$4,673/mo$4,391/mo$4,943/mo
Independent Living
Lower Spencer, KY:$3,184/mo
Kentucky:$3,292/mo
U.S.:$4,158/mo
Assisted Living
Lower Spencer, KY:$4,673/mo
Kentucky:$4,366/mo
U.S.:$4,710/mo
Memory Care
Lower Spencer, KY:$4,673/mo
Kentucky:$4,391/mo
U.S.:$4,943/mo
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Table showing 5 of 3 items. Click to show less.

Independent living costs in Lower Spencer, KY, over time

The line graph below shows how monthly independent living costs have shifted over the past five years in Lower Spencer and how those changes compare with state and national trends. The figures represent quarterly averages of what seniors actually paid after moving into A Place for Mom partner communities.

Lower Spencer, KYKY stateNational

Independent living cost trends in Lower Spencer, KY

The table below shows how monthly independent living costs in Lower Spencer have changed in the last two years and how those changes compare with state and national trends. The figures represent averages of actual costs paid by seniors who moved into A Place for Mom partner communities in 2023 and 2024.

Cost comparison table showing 2023 and 2024 median costs by location. This table contains 3 rows of data across 4 columns.
Column location: Location
Column cost2024: 2024 average cost
Column cost2023: 2023 average cost
Column percentChange: Percent change
Location2024 average cost2023 average costPercent change
Lower Spencer, KY$3,428/mo$3,229/mo+6.2%
Kentucky$2,982/mo$3,067/mo-2.8%
National$3,265/mo$3,169/mo+3.0%
Lower Spencer, KY
2024 average cost:$3,428/mo
2023 average cost:$3,229/mo
Percent change:+6.2%
Kentucky
2024 average cost:$2,982/mo
2023 average cost:$3,067/mo
Percent change:-2.8%
National
2024 average cost:$3,265/mo
2023 average cost:$3,169/mo
Percent change:+3.0%
Table showing 5 of 3 items. Click to show less.
Table showing 5 of 3 items. Click to show less.

Discover the many ways to pay for senior living

Planning ahead can better position you to make good choices for your loved one’s care in the future. But if your aging family member needs care now, there are ways to finance the cost of long-term care through a combination of approaches.

What families are saying about independent living in Lower Spencer

Recent reviews for independent living in Lower Spencer

Elk River Apartments in Georgetown, KY

5.0
At Elk River Senior everything seems good. I have no complaints. Everything here gets five stars from me. The facility is clean. The staff are friendly. It is a good value. I am very pleased with this facility.

Morning Pointe of Lexington-East

5.0
I would like to thank the staff and the management for their hard work and compassionate care of my mother. It is never easy to trust someone else to care for your loved ones. They try very hard to make my mother feel at home, make her smile, and tailor her experience to meet her specific ...
Read more

Boonesboro Trail Senior Living in Winchester, KY

5.0
Expensive to sign in but then the third month was free so that was really nice! Everything is clean and nice. People are friendly and lots of familiar faces from the community of Winchester. Plenty of meal services, a small gym, and activities for all.

Reviews mention these favorite features of communities

Welcoming and friendly community atmosphere. Multiple reviews mention the friendly and welcoming nature of the residents and staff at Richmond Place. Newcomers are encouraged to introduce themselves and engage in activities, creating a strong sense of community.
Variety of enjoyable activities. Residents at Richmond Place appreciate the wide range of activities available, including social events, arts and crafts, fitness classes, and outdoor excursions.
Clean and well-maintained facilities. Reviews for Preston Greens Senior Living and Richmond Place consistently praise the cleanliness and upkeep of the community, with particular mention of the living spaces and common areas.
Access to convenient transportation. At The Lafayette, families express appreciation for the community's transportation services, which make it easy for residents to attend appointments and participate in outings.
Dedicated and caring staff. Staff members at Richmond Place and Legacy Reserve at Fritz Farm are described as friendly, helpful, and truly committed to providing exceptional care and support to residents.
Excellent dining experiences. Numerous reviews for Rose Mary C. Brooks Place a CCRC and The Lafayette note the high-quality meals and dining experiences offered at the communities, with accommodations for dietary restrictions and preferences.
AI generated from the text of family reviews

Lower Spencer independent living services and amenities

These charts highlight some of the many care, dining, and entertainment offerings available in Lower Spencer independent living communities. They don’t represent all possible services and amenities available at assisted living communities in Lower Spencer, but support comparisons against nationwide offerings. Our Senior Living Advisors can help you find communities that fit your preferences.

Availability of select dietary accommodations in Lower Spencer independent living

Independent living communities help seniors maintain a balanced diet by accommodating their health needs, allergies, and other restrictions. Below you’ll find the percentage of Lower Spencer partners making specific dietary accommodations for seniors compared to the percentage of assisted living partners making those accommodations nationally.
Lower Spencer, KYNational
Nutritionist / dietician
Nutritionist / dietician
16%
20.5%
Low / no sodium
Low / no sodium
30.7%
34.4%
No sugar
No sugar
30.7%
30.9%
Vegetarian
Vegetarian
28%
33.5%
Pureed meals
Pureed meals
8%
10.4%
0.0%20.0%40.0%60.0%80.0%100%

Availability of select dining options in Lower Spencer independent living

Our independent living communities know that seniors want top-quality meals and options for how they dine. The chart below indicates the percentage of Lower Spencer communities that offer dining options to their discerning residents compared to our partners nationally.
Lower Spencer, KYNational
Professional chef
Professional chef
25.3%
36.5%
Restaurant style dining
Restaurant style dining
37.3%
43.4%
Room service
Room service
34.7%
36.9%
Anytime dining
Anytime dining
22.7%
17.2%
0.0%20.0%40.0%60.0%80.0%100%

Availability of select programs and activities in Lower Spencer independent living

Senior living communities offer a variety of programming to keep seniors socially, mentally, and physically vibrant. The chart below shows what percentage of partnered independent living communities in Lower Spencer offer the selected activities, amenities, and programs compared to the percentage of partners nationwide.
Lower Spencer, KYNational
Activity director
Activity director
37.3%
45.1%
Pet-focused programs
Pet-focused programs
26.7%
28.3%
Community service programs
Community service programs
24%
33%
Devotional activities on-site
Devotional activities on-site
41.3%
47.5%
Parties / BBQs / happy hour
Parties / BBQs / happy hour
38.7%
48.8%
Outings / off-site activities
Outings / off-site activities
42.7%
54%
Piano or organ
Piano or organ
34.7%
42.9%
Arts and crafts center
Arts and crafts center
29.3%
38.1%
Educational speakers / life long learning
Educational speakers / life long learning
30.7%
41.8%
Clubs / games / karaoke
Clubs / games / karaoke
37.3%
47.1%
Live performances
Live performances
37.3%
46.7%
Dances
Dances
28%
33%
Fitness center
Fitness center
36%
39.4%
Fitness classes
Fitness classes
38.7%
46.4%
0.0%20.0%40.0%60.0%80.0%100%

Frequently Asked Questions

Sterling Meadows Assisted Living, Magnolia Springs Lexington and Holiday Hartland Hills are the top-rated independent living facilities near Lower Spencer, Kentucky. See full list of communities.

There are 83 independent living facilities near Lower Spencer, Kentucky. See the full list.

The best independent living facilities near you in Lower Spencer, Kentucky are Magnolia Springs Lexington and Richmond Place. These independent living communities received the highest rankings based on verified family reviews.

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The information contained on this page is for informational purposes only and is not intended to constitute medical, legal or financial advice or create a professional relationship between A Place for Mom and the reader. Always seek the advice of your health care provider, attorney or financial advisor with respect to any particular matter, and do not act or refrain from acting on the basis of anything you have read on this site. Links to third-party websites are only for the convenience of the reader; A Place for Mom does not endorse the contents of the third-party sites.
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