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Carmel Home
Nursing Home & Skilled Nursing · Owensboro, KY
CMS overall rating
2/5
CMS (the Centers for Medicare & Medicaid Services) is the federal agency that rates nursing home quality. Its Overall Rating runs from 1 to 5 stars, combining health inspections, staffing, and quality measures, with inspections weighted most heavily.
CMS overall rating
2/5
CMS (the Centers for Medicare & Medicaid Services) is the federal agency that rates nursing home quality. Its Overall Rating runs from 1 to 5 stars, combining health inspections, staffing, and quality measures, with inspections weighted most heavily.
Carmel Home accepts Medicare, Medicaid, and private pay.
Overview of Carmel Home
Carmel Home is a 115-bed nursing and skilled nursing community out on Old Hartford Rd in Owensboro, Kentucky, run by the Carmelite Sisters of the Divine Heart of Jesus, with Francis as the administrator. The building is single-story, which matters more than people think when you’re picturing a parent or grandparent getting around without stairs. It sits in a car-dependent stretch of town (Walk Score 20), so visits usually mean driving over rather than walking.
Right now the place is running at 84% occupancy, 96 of its 115 beds filled, which tells you it’s an active, steady community rather than one that’s just opened its doors or quietly emptying out. There’s personal care and skilled nursing side by side, plus short-term rehab for people bouncing back from surgery or a hospital stay. Staff are there 24 hours a day, and residents can see a physician or podiatrist, get dental work done, and have medications, medical supplies, and oxygen managed on-site instead of needing a separate trip for each one.
There’s a beautician and barber on hand, which sounds minor until you realize how much it matters to someone’s sense of self. Transportation is available when residents need to get somewhere the building can’t take them. And the place runs on dietary services, social and activity programming, and consultant pharmacy support layered under that round-the-clock nursing staff.
Carmel Home takes Medicare, Medicaid, and private pay, so families aren’t boxed into one way of covering things. As for how the state sees it: inspections here have leaned toward staffing and staff credentials, how care gets planned and documented, and dietary and food service. This is a place built for residents who need real nursing-level support, whether that’s a short rehab stint after the hospital or something longer-term, inside a facility with steady occupancy and a long-standing religious-order operator behind it.
Measured by Centers for Medicare & Medicaid Services (CMS)
Overall ratingThe Overall CMS Rating combines results from health inspections, staffing levels and quality measures. Health inspections carry the most weight. Staffing and quality scores can increase or decrease the final rating based on performance compared to state and national standards.
Health InspectionBased on the results of the facility's three most recent standard inspections and any complaint investigations. CMS reviews the number, scope, and severity of deficiencies, with more recent findings weighted more heavily.
Quality MeasuresBased on clinical and physical health indicators reported to CMS, such as hospital readmissions, falls, pressure ulcers, and improvements in mobility. These measures reflect how well residents' health needs are being managed.
Bed count
A mid-sized community that may balance personal attention with shared amenities and social activities.115Rank#55 / 195Bed count — State benchmarkedThis nursing home is ranked 55th out of 195 nursing homes we track in Kentucky for bed count. Shows this facility's certified or reported bed count compared to other Kentucky facilities. Larger communities may offer more amenities, programs, and on-site services for residents and families.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.Bed count — State benchmarkedThis nursing home is ranked 55th out of 195 nursing homes we track in Kentucky for bed count. Shows this facility's certified or reported bed count compared to other Kentucky facilities. Larger communities may offer more amenities, programs, and on-site services for residents and families.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.
Medium-capacity home
· Offers a balance of services and community atmosphere.
Years of operating
A newer community that may feature more recent facilities and programs. This is the number of years in operation under current management.Rank#16 / 145Years in operation — State benchmarkedThis nursing home is ranked 16th out of 145 nursing homes we track in Kentucky for years in operation. Shows how long this facility has been in operation compared to other Kentucky facilities. Longer operating histories may benefit residents, families, and staff.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.Years in operation — State benchmarkedThis nursing home is ranked 16th out of 145 nursing homes we track in Kentucky for years in operation. Shows how long this facility has been in operation compared to other Kentucky facilities. Longer operating histories may benefit residents, families, and staff.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.
1year
Walk Score
Car-dependent. Most errands require a car, with limited nearby walkable options.Rank#183 / 208Walk Score — State benchmarkedThis nursing home is ranked 183rd out of 208 nursing homes we track in Kentucky for walk score. Shows how walkable this facility's neighborhood is compared to the average walk score across Kentucky facilities. Higher scores benefit residents, families, and staff.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.Walk Score — State benchmarkedThis nursing home is ranked 183rd out of 208 nursing homes we track in Kentucky for walk score. Shows how walkable this facility's neighborhood is compared to the average walk score across Kentucky facilities. Higher scores benefit residents, families, and staff.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.
20/ 100
Occupancy rate
Occupancy lower than 85% suggests more openings may be available.Rank#146 / 163Occupancy rate — State benchmarkedThis nursing home is ranked 146th out of 163 nursing homes we track in Kentucky for occupancy. Shows this facility's occupancy rate versus the Kentucky average, with its Statewide rank out of 163. Higher occupancy signals strong local demand and financial stability.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.Occupancy rate — State benchmarkedThis nursing home is ranked 146th out of 163 nursing homes we track in Kentucky for occupancy. Shows this facility's occupancy rate versus the Kentucky average, with its Statewide rank out of 163. Higher occupancy signals strong local demand and financial stability.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.
68.7%This home usually has availability
Based on 79 residents and 115 beds. Source: state inspection report (Apr 2025)
Lower than the Kentucky average: 85%
Avg. Length of Stay
Average number of days residents stay at this facility, based on CMS cost report data. Shorter stays often reflect post-acute or rehab care; longer stays reflect long-term care.
658days
About This Community
License Details
Facility TypeLong Term Care (Nursing Facility, Personal Care)
IssuanceSeptember 1, 2025
CountyDaviess
License Number100082
CMS Certification Number185226
Ownership & Operating Entity
Carmel Home is legally operated by Carmelite Srs. Of The Divine Heart Of Jesus Of Ky.
Religious AffiliationRoman Catholic (Carmelite Sisters of the Divine Heart of Jesus)
Room Accommodations
Building TypeSingle-story
Room Types
Private RoomsSemi-Private Rooms
This profile shows two inspection records, and their totals often differ.
Inspection History and the Inspection Scorecard below are state data — the
figures the state publishes and the state inspection reports we hold on file —
covering the entire facility. CMS Health Inspection History covers only this
home's Medicare and Medicaid-certified nursing beds, from federal certification
surveys.
Inspection History
In Kentucky, the Cabinet for Health and Family Services, Office of Inspector General is the regulatory authority that conducts inspections and investigates complaints in all long-term care homes.
Since 2019 · 7 years of dataThese figures come from state-published data and the state inspection reports we hold on file. The period covered can vary depending on document availability. Includes all inspection records for this property, which could include management/ownership changes.3 deficiencies3 inspections
Inspection Scorecard
This scorecard compares key inspection, deficiency, and complaint metrics at this facility against the Kentucky state average. Metrics rated ≥15% worse than average are highlighted in red; those ≥15% better are highlighted in green.
Since 2019 vs. Kentucky state average
Overall vs. KY average
0 Worse
No metrics in this bucket.
2 Better
Metrics better than Kentucky average:
• Total deficiencies (77% below)
• Deficiencies per inspection (71% below)
Deficiencies Deficiencies are formal regulatory issues recorded during state inspections.
This Facility
KY Average
vs. KY Avg
Total deficiencies Formal regulatory issues recorded by inspectors across all inspection types.
3
13.0
This facility has 77% fewer total deficiencies than a typical Kentucky nursing home (3 vs. KY avg 13).↓ 77% better
Deficiencies per inspection Average deficiencies per inspection.
1.0
3.5
This facility has 71% fewer deficiencies per inspection than a typical Kentucky nursing home (1 vs. KY avg 3.5).↓ 71% better
Inspections State inspections evaluate whether the facility meets health and safety standards.
This Facility
KY Average
vs. KY Avg
Total inspections Combined count of all inspections conducted at this facility.
3
4.0
This facility has had 25% fewer total inspections than the Kentucky average (3 vs. KY avg 4). More inspections can mean more regulatory scrutiny rather than worse care.↓ 25% fewer
Since 2024 · 2 years of data · Last health inspection May 2026
Federal inspection data published by CMS, covering this home's Medicare and/or
Medicaid-certified skilled-nursing/nursing beds only.
Total health inspections
2↓ 31% · KY 2.9This facility: 2, 31% below the Kentucky average of 2.9 (among Kentucky facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
Total health citations
7Rank#46 / 194Health citations — State benchmarkedThis nursing home is ranked 46th out of 194 nursing homes we track in Kentucky for health citations. Shows this facility's total health deficiency citations benchmarked to the Kentucky State average, with a ranking across all 194 KY facilities. Lower citation counts earn a better rank.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.Health citations — State benchmarkedThis nursing home is ranked 46th out of 194 nursing homes we track in Kentucky for health citations. Shows this facility's total health deficiency citations benchmarked to the Kentucky State average, with a ranking across all 194 KY facilities. Lower citation counts earn a better rank.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.↓ 44% · KY 12.5This facility: 7, 44% below the Kentucky average of 12.5 (among Kentucky facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
Citations per inspection
3.5Rank#76 / 194Citations per inspection — State benchmarkedThis nursing home is ranked 76th out of 194 nursing homes we track in Kentucky for citations per inspection. Shows average deficiency citations per CMS inspection for this facility versus the Kentucky mean across 194 facilities with citation data. Lower is better.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.Citations per inspection — State benchmarkedThis nursing home is ranked 76th out of 194 nursing homes we track in Kentucky for citations per inspection. Shows average deficiency citations per CMS inspection for this facility versus the Kentucky mean across 194 facilities with citation data. Lower is better.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.↓ 16% · KY 4.18This facility: 3.5, 16% below the Kentucky average of 4.18 (among Kentucky facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
Citation severity
100% corrected
7 of 7 citations corrected
Bar = mix of this home's 7 citations, not a state comparison
Moderate (D–F, no harm, more than minimal risk): 6 citations, correctedMinor (A–C, no harm, minimal risk): 1 citation, corrected
Lighter shade = corrected
CriticalJ–L
0↓ 100% · KY 1This facility: 0, 100% below the Kentucky average of 1 (among Kentucky facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
Immediate jeopardy
SeriousG–I
0↓ 100% · KY 0.6This facility: 0, 100% below the Kentucky average of 0.6 (among Kentucky facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
Actual harm
ModerateD–F
6↓ 44% · KY 10.8This facility: 6, 44% below the Kentucky average of 10.8 (among Kentucky facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
No harm, more than minimal risk
MinorA–C
1↑ 900% · KY 0.1This facility: 1, 900% above the Kentucky average of 0.1 (among Kentucky facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
No harm, minimal risk
Latest inspection: May 07, 2026 · 4 citations, all corrected
Most cited category: Nursing & Physician Services, 2 of 7 citations · 6 categories in total
Citations history
Most recent first
May 07, 20264 citations
Abuse/Neglect moderate citation
Corrected
Administration moderate citation
Corrected
Pharmacy moderate citation
Corrected
Quality of Care moderate citation
Corrected
Feb 15, 20243 citations
Nursing Services moderate citation
Corrected
Nursing Services minor citation
Corrected
Nutrition moderate citation
Corrected
Top deficiency categories
Share of 7 citations
Nursing & Physician Services2 deficiencies (29%)
Quality of Life & Care1 deficiency (14%)
Nutrition & Dietary1 deficiency (14%)
Administration1 deficiency (14%)
Abuse, Neglect & Exploitation1 deficiency (14%)
Pharmacy Services1 deficiency (14%)
How citations are counted
Health citations are formal notices following inspections when they fail to comply with safety and care standards.
All 7 citations resulted from standard inspections.
Includes all CMS health inspection records for this property, which could include management/ownership changes.
Source
Data sourced from CMS Health Deficiencies reports, which cover the Medicare and/or Medicaid-certified skilled-nursing and nursing beds and no other part of the community. Citation severity codes range from A (least serious) to L (most serious).
Immediate Jeopardy (J-L) citations indicate situations where the facility's noncompliance has placed residents at risk of death or serious harm.
Penalties and fines
Federal penalties imposed by CMS for regulatory violations, including civil money penalties (fines)
and denials of payment for new Medicare/Medicaid admissions.
Source: CMS Penalties Database
(Data as of Aug 2026)
Total fines on record
$40K Rank#179 / 197Federal fines — State benchmarkedThis nursing home is ranked 179th out of 197 nursing homes we track in Kentucky for federal fines. Shows this facility's cumulative CMS federal fine dollars versus the Kentucky average among facilities with fines, and where it ranks among 197 facilities in the pool. Lower total dollars mean a better rank.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.Federal fines — State benchmarkedThis nursing home is ranked 179th out of 197 nursing homes we track in Kentucky for federal fines. Shows this facility's cumulative CMS federal fine dollars versus the Kentucky average among facilities with fines, and where it ranks among 197 facilities in the pool. Lower total dollars mean a better rank.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.
18% lower than Kentucky average
Kentucky average: $49K
Number of fines on record
4
87% more fines than Kentucky average
Kentucky average: 2.1
Payment denials on recordSerious action where Medicare and/or Medicaid temporarily stops payments for new residents until issues are fixed.
1
250% more payment denials than Kentucky average
Kentucky average: 0.3
Fines amount comparison
Fines amount comparison
This facility$40K
Kentucky average$49K
Penalty History
Penalties imposed by CMS in the past 3 years.
5 penalties in the past 3 years
Multiple penalties were reported in the last 3 years.
Civil Money PenaltyFines imposed for noncompliance, which can be assessed per day or per instance of violation.Feb 20, 2024
$4K
Civil Money PenaltyFines imposed for noncompliance, which can be assessed per day or per instance of violation.Feb 15, 2024
$25K
Payment DenialSerious action where Medicare and/or Medicaid temporarily stops payments for new residents until issues are fixed.Feb 15, 2024
9 days
Civil Money PenaltyFines imposed for noncompliance, which can be assessed per day or per instance of violation.Feb 12, 2024
$3K
Last updated: Aug 2026
Penalty History
5 TOTAL
Civil Money PenaltyFines imposed for noncompliance, which can be assessed per day or per instance of violation.Feb 20, 2024
$4K
Civil Money PenaltyFines imposed for noncompliance, which can be assessed per day or per instance of violation.Feb 15, 2024
$25K
Payment DenialSerious action where Medicare and/or Medicaid temporarily stops payments for new residents until issues are fixed.Feb 15, 2024
9 days
Civil Money PenaltyFines imposed for noncompliance, which can be assessed per day or per instance of violation.Feb 12, 2024
$3K
Civil Money PenaltyFines imposed for noncompliance, which can be assessed per day or per instance of violation.Jan 22, 2024
$8K
Quality of care over time
How residents at this home fare on health outcomes and preventive care, compared with the Kentucky average.
Data as of Aug 2026 · CMS Care Compare
Long-stay quality ratingCMS star rating for the care of long-stay residents, who live at the home for 100 days or more. It is built from the long-stay quality measures below. 5 stars is the best.4/ 5★★★★★Above average↑ 14% · KY 3.5This facility: 4.0, 14% above the KY average of 3.5 (among KY facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.High-risk clinical eventsAverage of five long-stay measures: pressure ulcers, falls with major injury, unplanned weight loss, worsening ability to walk, and needing more help with daily activities. Each is the % of residents affected, so lower is better.6.7Score · lower is better↓ 22% · KY 8.6This facility: 6.7, 22% below the KY average of 8.6 (among KY facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.Functional declineAverage of three long-stay measures: needing more help with daily activities, worsening ability to walk, and loss of bowel or bladder control. Each is the % of residents affected, so lower is better.15.7Score · lower is better≈ 0% · KY 15.6This facility: 15.7, level with the KY average of 15.6 (among KY facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
10 long-stay measures:6 better, 2 worse, 2 near KY average
2 short-stay measures:1 better, 1 near KY average
Long-stay residents
People who live at the home · 10 measures
KY average
Daily care & independence
Needed more help with daily activitiesPercent of long-stay residents whose need for help with daily activities has increased11.5%↓ 17% · KY 13.8This facility: 11.5, 17% below the KY average of 13.8 (among KY facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
Walking ability worsenedPercent of long-stay residents whose ability to move independently worsened16.4%↑ 17% · KY 14.0This facility: 16.4, 17% above the KY average of 14.0 (among KY facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
Bowel or bladder incontinence (low-risk residents)Percent of low risk long-stay residents who lose control of their bowels or bladder19.1%≈ 0% · KY 19.0This facility: 19.1, level with the KY average of 19.0 (among KY facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
Safety & clinical stability
Urinary tract infectionPercent of long-stay residents with a urinary tract infection0.0%↓ 100% · KY 1.6This facility: 0.0, 100% below the KY average of 1.6 (among KY facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
Falls with major injuryPercent of long-stay residents experiencing one or more falls with major injury0.0%↓ 100% · KY 3.9This facility: 0.0, 100% below the KY average of 3.9 (among KY facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
Pressure ulcers (high-risk residents)Percent of long-stay high risk residents with pressure ulcers3.3%↓ 31% · KY 4.8This facility: 3.3, 31% below the KY average of 4.8 (among KY facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
Physical & mental health
Lost too much weightPercent of long-stay residents who lose too much weight2.0%↓ 71% · KY 6.6This facility: 2.0, 71% below the KY average of 6.6 (among KY facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
Depressive symptomsPercent of long-stay residents who have depressive symptoms0.0%↓ 100% · KY 17.7This facility: 0.0, 100% below the KY average of 17.7 (among KY facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
Antipsychotic usePercent of long-stay residents who received an antipsychotic medication33.9%↑ 110% · KY 16.1This facility: 33.9, 110% above the KY average of 16.1 (among KY facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
Preventive care
Pneumococcal vaccinePercent of long-stay residents assessed and appropriately given the pneumococcal vaccine93.7%↓ 1% · KY 94.3This facility: 93.7, 1% below the KY average of 94.3 (among KY facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
Short-stay residents
Rehab and recovery after a hospital stay · 2 measures
KY average
Physical & mental health
New antipsychotic medicationPercent of short-stay residents who newly received an antipsychotic medication0.0%↓ 100% · KY 1.7This facility: 0.0, 100% below the KY average of 1.7 (among KY facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
Preventive care
Pneumococcal vaccinePercent of short-stay residents assessed and appropriately given the pneumococcal vaccine81.6%↓ 3% · KY 84.0This facility: 81.6, 3% below the KY average of 84.0 (among KY facilities reporting a recent figure).Green: 5% or more better than the state average. Yellow: within 5%. Red: 5% or more worse.
Arrows show whether a figure is above or below the average. Green is better for residents, red is worse, and yellow means within 5% of the average. The line on each bar marks the average.
Quality measures are calculated by CMS from Minimum Data Set (MDS) resident assessments and Medicare claims.
Breakdown by payment type
Medicare
25% of new residents, usually for short-term rehab.
Typical stay1 - 2 months
Private pay
50% of new residents, often for short stays.
Typical stay24 - 25 years
Medicaid
25% of new residents, often for long-term daily care.
Typical stay6 - 7 years
Facility Characteristics
Source: CMS Long-Term Care Facility Characteristics
(Data as of Jun 2026)
Total residents16
Medicaid
16
100% of residents
Programs & Services
Residents Group
Residents meet regularly to discuss policies, care quality, and activities
CCRC
Part of a Continuing Care Retirement Community offering multiple care levels
Active Resident Council
Organized group of residents that meets regularly to discuss facility policies, quality of life, and activities.
Financial Trends
Historical financial and operational data for Carmel Home from 2011–2024, based on CMS SNF Cost Reports.
Includes all financial data for this property, which could include management/ownership changes.
Key figures below are for fiscal year ending in 12/2024.
Net Patient Income-$794.3K↑ ~$117.9K vs 2023
Payroll Costs$4.6M↑ ~$171.1K vs 2023
Operating Margin-11.4%↑ 3.0pp vs 2023
Financial Performance
Net patient revenueOperating expensesNet patient income
Payroll & Labor Costs
SalariesStaff salaries from the home's own payroll records.Wage CostsWage-related costs — benefits such as payroll taxes, health insurance and retirement. Together with salaries, these make up payroll.Contract LaborPay for temporary or agency staff. Counted under other operating costs, not payroll.
Payer Mix (percentage)
MedicareMedicaidPrivate Pay/Other
Metric
2011
2012
2013
2014
2016
2017
2018
2019
2020
2021
2022
2023
2024
Occupancy %
95.5%
95.2%
96.4%
99.2%
98.4%
97.3%
96.4%
98.1%
92.0%
94.6%
96.3%
96.2%
96.6%
Beds
115
115
115
115
115
115
115
115
119
115
115
115
115
Net Income
$111,812
$1,683,737
-$4,852
$100,821
-$47,767
$120,542
-$377,607
-$524,292
$126,776
$266,040
-$331,695
-$417,714
-$384,866
Gross Revenue
$4,696,306
$4,764,867
$4,871,000
$5,466,002
$5,811,125
$6,077,389
$6,261,707
$6,302,825
$6,409,116
$6,590,630
$6,945,637
$6,992,891
$7,836,461
Operating Expenses
$4,633,389
$4,866,062
$4,639,668
$5,298,430
$5,730,042
$5,747,145
$6,245,591
$6,613,863
$6,734,209
$6,638,803
$6,910,741
$7,265,323
$7,755,588
Net Patient Income
-$240,501
-$470,311
-$277,307
-$267,084
-$356,102
-$160,433
-$677,144
-$966,018
-$985,317
-$544,409
-$541,372
-$912,190
-$794,330
Net Patient Revenue
$4,392,888
$4,395,751
$4,362,361
$5,031,346
$5,373,940
$5,586,712
$5,568,447
$5,647,845
$5,748,892
$6,094,394
$6,369,369
$6,353,133
$6,961,258
Payroll Costs
$3,081,289
$3,233,647
$2,951,635
$3,224,627
$3,596,230
$3,546,981
$3,909,754
$4,044,305
$4,172,778
$4,122,187
$4,173,105
$4,471,151
$4,642,229
Operating Margin %
-5.5%
-10.7%
-6.4%
-5.3%
-6.6%
-2.9%
-12.2%
-17.1%
-17.1%
-8.9%
-8.5%
-14.4%
-11.4%
Medicare %
1.7%
2.0%
0.9%
1.4%
1.1%
1.0%
1.3%
1.1%
1.1%
1.6%
2.4%
1.5%
0.2%
Medicaid %
10.1%
9.1%
9.5%
11.3%
9.8%
10.4%
11.4%
11.7%
11.2%
8.0%
8.5%
9.5%
12.1%
Private %
88.2%
88.9%
89.6%
87.3%
89.1%
88.5%
87.3%
87.2%
87.7%
90.4%
89.1%
89.0%
87.7%
Net Patient Revenue/Day
$110
$110
$108
$121
$130
$137
$138
$137
$147
$153
$158
$157
$171
Cost/Day
$116
$121
$115
$127
$138
$141
$154
$161
$172
$167
$171
$180
$191
Avg Length of Stay
261.3 days
134.6 days
364.8 days
253.2 days
193.8 days
187.7 days
336.3 days
240.7 days
258.8 days
237.9 days
159.9 days
285.3 days
658.3 days
Finances and operations
Based on CMS SNF Cost Report for fiscal year ending in 12/2024.
Nonprofit
Net patient revenueNet patient revenue — what the home actually collects for resident care, after contractual allowances, bad debt and discounts are subtracted from its gross charges (CMS cost report, Worksheet G-3). It covers resident care only; money the home earns from other sources is shown separately as "Other income."
$7.0MFiscal year ending 12/2024
Net patient incomeNet patient income: net patient revenue minus the home's total operating expenses. A positive figure means it earns more from resident care than it spends to deliver it; a negative figure means the opposite. It excludes non-operating "other income."
-$794.3KFiscal year ending 12/2024
Nonprofit
Net patient revenueNet patient revenue — what the home actually collects for resident care, after contractual allowances, bad debt and discounts are subtracted from its gross charges (CMS cost report, Worksheet G-3). It covers resident care only; money the home earns from other sources is shown separately as "Other income."
$7.0MFiscal year ending 12/2024Rank#148 / 186Net patient revenue — State benchmarkedThis nursing home is ranked 148th out of 186 nursing homes we track in Kentucky. Shows this facility's net patient revenue compared to the Kentucky average, among facilities reporting a recent fiscal year. Higher revenue generally means more resources for staffing and capital — read alongside Payroll %.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.Net patient revenue — State benchmarkedThis nursing home is ranked 148th out of 186 nursing homes we track in Kentucky. Shows this facility's net patient revenue compared to the Kentucky average, among facilities reporting a recent fiscal year. Higher revenue generally means more resources for staffing and capital — read alongside Payroll %.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.
Net patient incomeNet patient income: net patient revenue minus the home's total operating expenses. A positive figure means it earns more from resident care than it spends to deliver it; a negative figure means the opposite. It excludes non-operating "other income."
-$794.3KFiscal year ending 12/2024
Other incomeMoney the home earns outside of resident care — such as investments, grants, rentals and other non-operating sources (CMS cost report, Worksheet G-3). It is tracked separately from net patient revenue: it is not part of that figure, and it is not included in net patient income.
$409.5KFiscal year ending 12/2024
Payroll costsStaff salaries plus wage-related costs — benefits such as payroll taxes, health insurance and retirement — from the home's own accounting records (CMS cost report, Worksheet A). Contract or agency labor is counted separately, under other operating costs.Rank#83 / 186Payroll costs — State benchmarkedThis nursing home is ranked 83rd out of 186 nursing homes we track in Kentucky. Shows total staff payroll — salaries plus wage-related benefits — benchmarked to the Kentucky average, among facilities reporting a recent fiscal year. Higher payroll relative to peers often signals better staffing and less reliance on contract labor.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.Payroll costs — State benchmarkedThis nursing home is ranked 83rd out of 186 nursing homes we track in Kentucky. Shows total staff payroll — salaries plus wage-related benefits — benchmarked to the Kentucky average, among facilities reporting a recent fiscal year. Higher payroll relative to peers often signals better staffing and less reliance on contract labor.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.
$4.6MFiscal year ending 12/2024
66.7% of net patient revenue
Payroll as a share of revenue: staff salaries and wage-related benefits divided by net patient revenue. A higher figure means more of each revenue dollar goes to staff pay.Rank#6 / 186Payroll % of net patient revenue — State benchmarkedThis nursing home is ranked 6th out of 186 nursing homes we track in Kentucky. Shows payroll as a percentage of net patient revenue versus the Kentucky average, among facilities reporting a recent fiscal year. Below 25% may signal understaffing or heavy agency use — read with Staffing ratings.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.Payroll % of net patient revenue — State benchmarkedThis nursing home is ranked 6th out of 186 nursing homes we track in Kentucky. Shows payroll as a percentage of net patient revenue versus the Kentucky average, among facilities reporting a recent fiscal year. Below 25% may signal understaffing or heavy agency use — read with Staffing ratings.Communities with the same value for a metric share the same rank. Rankings compare like with like: every nursing home we track in Kentucky that reports data for that category. Nursing homes without available data are excluded, so the pool size varies from metric to metric.
Other operating costsEverything it costs to run the home apart from payroll — food, utilities, supplies, maintenance, contract labor and administration. Calculated as total operating expense minus payroll (staff salaries and wage-related benefits).
$3.1MFiscal year ending 12/2024
Total costsThe home's total operating expense for the year — all the costs of running it, salaries included (CMS cost report, Worksheet G-3).
$7.8MFiscal year ending 12/2024
Certification details
CMS Certification Number:185226
Rural vs. Urban:Urban
County:Daviess
Type of Control:Nonprofit
Source: Centers for Medicare & Medicaid Services (CMS) and State data
How we calculate these figures
We use the home's most recent CMS SNF Cost Report — the annual financial statement every Medicare- and Medicaid-certified nursing home is required to file — to show how it earns and spends on resident care.
This includes
Net patient revenue — what the home collects for resident care after contractual allowances, bad debt and discounts.
Payroll — staff salaries plus wage-related benefits. Contract and agency labor is counted separately, under other operating costs.
Net patient income — what's left after the home's total operating expenses.
How we calculate net patient income and payroll %
Net patient income is net patient revenue minus the home's total operating expenses. Payroll % is payroll divided by net patient revenue — the share of each revenue dollar that goes to staff pay.
Net patient revenue vs. other income
Net patient revenue is money earned from resident care only. Anything the home earns outside of care — investments, grants, rentals and other non-operating sources — is reported separately as other income. Other income is not part of net patient revenue, and it is not included in net patient income.
Who this home usually serves
TYPE OF STAY
Mostly long-term care residents
Most residents stay for extended periods and receive ongoing daily care.
Most new residents arrive under private pay (50% of admissions), and a typical private pay stay runs around 24 - 25 years.
Admissions
8 total
Coverage residents most often arrive under.
Medicare25%
Private pay50%
Medicaid25%
Discharges
51 total
Coverage residents most often leave under.
Medicare20%
Private pay40%
Medicaid40%
How we assess these insights
We analyze official CMS data on admissions and discharges to understand the types of residents a nursing home most often serves.
This includes
Medicare, Medicaid, and private-pay admissions and discharges
Number of nights covered by each payment type
Typical length of stay
How length of stay is calculated
Average length of stay comes from the facility's Medicare cost report: total resident days in the year divided by total discharges, across all residents and payment types. Homes that mostly provide long-term care show long averages, because few residents leave in a given year.
Places of interest near Carmel Home
2.2 miles from city center Estimated distance in miles from Owensboro's city center to Carmel Home's address, calculated via Google Maps.
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Info below is compiled from CMS reports & the KY Cabinet for Health & Family Services (CHFS), senior community websites & trusted data sources such as Walk Score & BBB.
Communities are listed from highest-ranked to lowest-ranked based on our methodology.
The facility name. Click to view the full profile page on Assisted Living Magazine, including photos, services, and contact info.
CMS (Centers for Medicare & Medicaid Services, the federal agency that regulates nursing homes) Overall 5-star rating — a composite of Health Inspection, Staffing, and Quality Measures scores. 5 stars = top 10% nationally. 1 star = bottom 10%. The single most important number to start with when comparing facilities.
Care Types in This TableNH (Nursing Home):
24/7 skilled nursing care for residents with complex, ongoing medical needs.
SNF (Skilled Nursing Facility):
Round-the-clock nursing care, often for recovery after surgery, injury, or illness.
MC (Memory Care):
Secured, specialized care for people living with Alzheimer's or dementia.
RC (Respite Care):
Short-term temporary care that gives family caregivers a break.
HOS (Hospice Care):
Comfort-focused care for those with a terminal illness, prioritizing quality of life over treatment.
PC (Palliative Care):
Comfort-focused care for serious illness at any stage, including alongside curative treatment.
Neighborhood or city area where the facility is located. Proximity to family, hospitals, and green space matters for both quality of life and ease of visitation. Consider drive time and transit access when evaluating location.
Licensed bed capacity. Larger facilities (300+ beds) often have more specialized programs but can feel institutional. Smaller homes (under 150 beds) tend to deliver more personalized care. Compare with Avg Res/Day to understand how full the facility typically runs.
Percentage of licensed beds filled on an average day. Color indicates financial health: green (90%+) = operationally strong, typically profitable. Amber (80–89%) = stable but leaving revenue on the table. Orange (70–79%) = financial strain likely, may struggle with fixed costs. Red (<70%) = significant distress, closure or ownership change risk increases sharply.
This facility's occupancy rate compared to the statewide average for similar facilities. A positive number means above-average demand. Facilities running 5%+ above the state average are typically the most sought-after in their market — a strong proxy for reputation.
CMS-adjusted total nurse hours per resident per day (RN + LPN + CNA combined). The national average is approximately 3.5 hrs. Higher is better — more direct care time per resident. Below 3.0 is a red flag. CMS weights RN hours more heavily because RNs handle complex clinical decisions that CNAs cannot.
CMS Health Inspection star rating (1–5 stars), based on the 3 most recent annual state surveys plus any complaint investigations. This is the hardest rating to manipulate — it reflects real surveyor findings on-site. 5 stars = fewest deficiencies found. 1 star = most. It carries the heaviest weight in the Overall CMS rating.
CMS Staffing star rating (1–5 stars), based on daily nurse staffing hours submitted to CMS via verified payroll data. Compares RN, LPN, and CNA coverage relative to resident acuity level. 5 stars = well above expected staffing. Weekend staffing is evaluated separately, as that's where many facilities quietly reduce coverage.
CMS Quality Measures star rating (1–5 stars), based on 15 clinical outcome metrics including fall rates, pressure ulcers, antipsychotic drug use, and hospital readmissions. Captures actual resident health outcomes, not just compliance. High QM combined with low Health Inspection scores can indicate a facility with strong care but weak documentation practices.
Registered Nurse hours per resident/day compared to the statewide average. RNs are the highest-skilled nursing staff — they assess residents, manage medications, and respond to emergencies. A value of +50% means RN coverage is 50% above the state norm. Negative values are a concern for residents with complex or acute medical needs.
Total nursing staff hours (RN + LPN + CNA combined) per resident/day vs. the statewide average. A broader measure than RN vs State — it captures the entire care team. A facility can have high total staffing but low RN hours, meaning more aides and fewer nurses. Read both columns together for the full picture.
Total dollar amount of federal monetary fines (civil money penalties) issued by CMS in the past 3 years. Fines are only levied for serious violations — typically actual harm to residents, repeated uncorrected deficiencies, or systemic non-compliance. Even a single fine is noteworthy. Multiple fines strongly suggest a pattern, not isolated incidents.
Total health deficiency citations from the most recent standard inspection cycle. Minor citations (scope A–C) are common and often administrative in nature. Higher counts aren't always disqualifying, but should be read alongside Severe Citations to understand actual harm levels. Under 10 is strong for a large facility; 30+ warrants a closer look.
Average deficiency citations per CMS inspection (survey) in the reporting window — total citations divided by the number of inspections. Lower is better; compare alongside total Citations and Severe Citations for context.
Citations at CMS scope/severity level G or higher — G–I means actual harm occurred; J–L means residents were placed in immediate jeopardy. (D–F is potential for harm only). Examples include unaddressed falls, medication errors causing injury, neglect, or abuse.
Average number of residents in the building on any given day, derived from annual census data. Reflects true operating scale — a 400-bed facility running 200 residents/day operates very differently from one at 390. Higher resident counts generally mean more funded staffing hours.
Better Business Bureau rating (A+ to F). Reflects complaint history, business transparency, and how family disputes were resolved. A+ means no significant unresolved complaints. A blank (—) means the facility isn't BBB-accredited, which is common for healthcare providers and not necessarily a negative signal.
Walk Score® (0–100). Measures walkability of the surrounding area. 90–100 = Walker's Paradise. 70–89 = Very Walkable. 50–69 = Somewhat Walkable. Below 50 = Car-Dependent. Higher scores benefit family visitors, resident outings, and staff commuting.
The licensed owner or operator of record filed with CMS — the individual or organization legally accountable for the facility. Searching the operator name across other facilities can reveal chain or multi-site ownership, which matters: chain-operated homes tend to have more variable quality outcomes than independently run facilities.
What the home actually collects for resident care, after contractual allowances, bad debt and discounts — not gross billings. Taken from the latest complete annual cost report, so it is comparable across homes reporting the same period. Revenue alone doesn't indicate care quality, but it funds staffing and capital reinvestment. Pair with Payroll %. Figures are from each facility's most recent complete fiscal year — hover a value for the exact year; a * marks homes that report an older period than most facilities.
Staff salaries plus wage-related benefits from the latest complete annual cost report. Contract and agency labour is counted separately, under other operating costs, so a home leaning on agency staff can show a low figure here. Payroll is the cost most directly tied to care quality — compare with Payroll % for full context. Figures are from each facility's most recent complete fiscal year — hover a value for the exact year; a * marks homes that report an older period than most facilities.
Payroll as a share of NET PATIENT REVENUE (not gross revenue). Both figures come from the same cost-report year. A higher figure means more of each revenue dollar goes to staff pay. Read with the Staffing star rating to judge whether spend translates into coverage — and note that homes whose patient revenue covers only part of their operation can read implausibly high. The Kentucky average is: 48.9% Figures are from each facility's most recent complete fiscal year — hover a value for the exact year; a * marks homes that report an older period than most facilities.
CMS Certification Number: the unique federal identifier for this skilled nursing provider.
Rank badges are statewide and care-type specific: each nursing home is ranked against every other KY nursing home we track that reports that metric, not just the 5 on this page. See how we rank facilities