Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Colorado and Kentucky. Updated for 2026.
Metric
Colorado
Kentucky
Median Home Price
$520K
$210K
Property Tax Rate
0.51%
0.83%
Avg Closing Costs
$7K
$3K
Closing Cost %
1.4%
1.4%
Transfer Tax
0.01%
0.1%
Homeowners Insurance
$3,200/yr
$2,400/yr
First-Time Buyer Program
CHFA Down Payment Assistance
Up to $25,000 second mortgage
KHC Regular DAP
Up to $6,000 repayable loan
Verdict
Kentucky wins 3 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $210K and lower overall costs, Kentucky offers meaningful savings compared to Colorado. Both states offer first-time buyer programs — explore the state pages for full details.