Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Delaware and Kentucky. Updated for 2026.
Metric
Delaware
Kentucky
Median Home Price
$355K
$210K
Property Tax Rate
0.56%
0.83%
Avg Closing Costs
$12K
$3K
Closing Cost %
3.3%
1.4%
Transfer Tax
4%
0.1%
Homeowners Insurance
$1,300/yr
$2,400/yr
First-Time Buyer Program
DSHA Homeownership Loan
Up to 5% Preferred Plus
KHC Regular DAP
Up to $6,000 repayable loan
Verdict
Kentucky wins 4 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 Delaware. Both states offer first-time buyer programs — explore the state pages for full details.