8 Best Places To Retire In Kentucky
Retirement in Kentucky is not just about settling into a new location; it’s about finding the right blend of lifestyle, community, and ease. Known for its scenic landscapes, rich history, and welcoming communities, Kentucky emerges as an attractive retirement destination. Many retirees are drawn not only by the state’s affordability but also by its natural beauty, active lifestyle options, and accessible healthcare. Kentucky is generally tax-friendly for retirees, with Social Security income exempt from state taxes, adding a practical benefit. In Kentucky, these qualities converge to offer a range of retirement options tailored to diverse lifestyles. This article highlights eight of the best places to retire in Kentucky, emphasizing senior-friendly amenities, beautiful surroundings, and healthcare services.
Paintsville
Paintsville, nestled in the heart of Appalachia, is an inviting town that blends natural beauty, community events, and rich history, making it an appealing option for retirees. This vibrant town comes alive each fall during the Kentucky Apple Festival, held since 1962, featuring live music, carnival rides, a pageant, competitions, a lively parade, and a car show. In spring, Paintsville’s Main Street hosts the annual Spring Fling, a community celebration in May. For history enthusiasts, the Mountain Homeplace museum recreates a mid-1800s farming community with a blacksmith shop, one-room schoolhouse, church, and traditional cabins. The museum is open from April through December, inviting visitors to step back in time.
Paintsville also has scenic outdoor options, with Paintsville Lake and the surrounding state park providing opportunities for fishing, boating, and hiking. Golf enthusiasts will enjoy the Paintsville Country Club, featuring an 18-hole course and lush landscapes. The Mayo Memorial United Methodist Church and the historic John C.C. Mayo Mansion add cultural interest to this close-knit town. With a median home price of $159,000, Paintsville is also an affordable retirement spot.
Ashland
Ashland has a warm, welcoming community that has long attracted retirees. 19.5% of residents are over 65, a testament to the town’s appeal. With an affordable median housing price of $171,000, Ashland is an inviting choice for those seeking both comfort and affordability in retirement. Surrounded by the natural beauty of Central Park and the scenic Port of Ashland, outdoor activities are easily accessible. For days when the weather calls for indoor plans, the town’s rich cultural spots, like The Highlands Museum & Discovery Center and the C. B. Nuckolls Community Center & Black History Museum, provide fulfilling ways to spend an afternoon.
Ashland’s active social calendar also adds to its appeal, with lively events like the Festival of Trees, Winter Wonderland of Lights, and the Firkin Fest craft beer festival. For cigar aficionados, My Old Kentucky Herf brings together enthusiasts from neighboring states.
Catlettsburg
Catlettsburg, nestled along the Big Sandy River, appeals to retirees with its relaxed, small-town atmosphere and strong sense of community. Residents enjoy easy access to Virginia Point Park’s scenic river views, along with nearby Camden Park and Armco Park, ideal for family outings, picnics, and leisurely strolls. For seniors, Catlettsburg supports a vibrant lifestyle with the Boyd County Community and Senior Center, which hosts activities, social events, and wellness programs that encourage connection and active living. The Center’s welcoming environment fosters close-knit friendships and a strong support network.
Healthcare needs are met by King’s Daughters Family Care Center, known for its dedicated and friendly staff who prioritize the well-being of each patient. Additionally, King’s Daughters & Sons Home for Senior Living offers compassionate care in a comfortable, community-focused setting. With a median home price of $325,000, the town remains affordable, allowing retirees to enjoy homeownership while benefiting from the town’s warm community, beautiful parks, and accessible amenities.
Somerset
Somerset attracts retirees seeking a balanced and affordable lifestyle, with 18.8% of its residents over the age of 65. This welcoming town creates affordable homeownership, with a median home price of $339,900. Somerset provides excellent senior care services, such as in-home assistance through Comfort Keepers, allowing residents to feel comfortable in the town.
Somerset also delivers on entertainment and recreation. Outdoor lovers can enjoy SomerSport Park and SomerSplash Waterpark, featuring plenty of family-friendly activities. For a touch of the unique, the International Paranormal Museum and Research Center adds an interesting twist, ideal for curious minds. Additionally, Diamond Links Golf Course is a definite favorite among retirees to have a healthy game of golf with friends and maintain a healthy lifestyle.
Cave City
Cave City draws retirees seeking a blend of rural calm and engaging attractions, with plenty to entertain visiting family, especially the grandkids. The town boasts iconic spots like Dinosaur World, where life-sized dinosaur models spark the imagination, and the Mammoth Cave Wildlife Museum, showcasing fascinating wildlife exhibits. For a more immersive experience, Raven's Cross Village brings history and adventure together, while the Crystal Onyx Cave invites explorers to marvel at stunning underground formations.
Alongside these recreational highlights, Cave City ensures retirees feel well-supported with healthcare and senior services. The Medical Center at Caverna delivers accessible healthcare, while Hometown Manor Assisted Living Community offers nearby support for those needing extra care. Homeownership here is affordable, with a median house price of $232,000, making settling down a smart option for retirees.
Paducah
Nestled along the Ohio River, Paducah invites retirees to enjoy a balanced lifestyle enriched with art, history, and community. With a scenic backdrop of Fort Massac State Park, Paducah provides ample opportunities for relaxing strolls or picnics by the river. The town’s vibrant cultural scene shines with attractions like the Inland Waterways Museum, the renowned National Quilt Museum, and the Yeiser Art Center, making Paducah a hub for art lovers and history enthusiasts alike.
Getting around town is hassle-free with the Paducah Area Transit System (PATS), which operates fixed-route transit and paratransit services Monday through Saturday, allowing seniors easy access to local amenities without relying on a car. With 18.1% of its population aged 65 or older, retirees will find a thriving community of peers for socializing and shared activities. Owning a home is also affordable, with a median price of $166,803, making it financially accessible for those looking to settle down. For special outings, Paducah boasts excellent dining spots, such as Strickland’s Seafood Restaurant and Purple Toad Winery, ideal for celebrating life’s milestones in style.
Calvert City
Calvert City, on the scenic banks of the Tennessee River, creates an inviting environment for retirees seeking a comfortable and engaging lifestyle. Peace of mind is a given with accessible healthcare options like Baptist Health Calvert City Clinic and Baptist Health Medical Group Family Medicine, making medical care readily available. Retirees can also take advantage of in-home support through Home Instead, a service that assists seniors in remaining in their own homes with personalized care, meeting individual needs for comfort and independence. For those preferring assisted living, Calvert City Convalescent Center is an established option for a secure and supportive community.
Owning a home here is affordable, with the average home price around $269,000, making Calvert City financially appealing. Beyond practicalities, the town boasts plenty of opportunities for enjoyment, from relaxing days at Mike Miller County Park to fun-filled afternoons with grandkids at Maggie’s Jungle Golf or Kentucky Shores Family Fun Center. This well-rounded setting makes Calvert City a wonderful choice for retirees looking to enjoy a balanced and fulfilling lifestyle.
Prestonsburg
Prestonsburg, nestled in the Appalachian Mountains, merges the serenity of nature with the close-knit atmosphere of a small town. Dewey Lake, a scenic highlight, imbues Prestonsburg with natural beauty, making it a peaceful retreat perfect for leisurely outings, picnics, and tranquil days by the water. Cultural and recreational amenities abound here: the Mountain Arts Center hosts live performances and events, while the Middle Creek National Battlefield offers a glimpse into Civil War history. The East Kentucky Science Center & Varia Planetarium is a fascinating spot to explore the cosmos, and StoneCrest Golf Course allows retirees to enjoy sunny days amid sprawling greenery and open skies.
With an average home price of $217,300, owning a home in Prestonsburg is an accessible dream for retirees. For healthcare needs, Highlands ARH Regional Medical Center is equipped to meet residents' medical requirements, giving them peace of mind.
Kentucky combines natural beauty, warm communities, and diverse experiences, making it a perfect retirement choice for those seeking more than just a quiet life. From the historical richness of Paducah, with its museums and vibrant arts scene, to the tranquil allure of Cave City, where retirees can explore caves and local parks, each town brings a unique lifestyle. Whether the draw is affordable living, a strong sense of community, or access to outdoor adventures, Kentucky provides fulfilling options for any preference. With a welcoming spirit and a variety of enriching amenities, Kentucky creates an inviting place to embrace this next chapter.
