Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Idaho and Kentucky. Updated for 2026.
Metric
Idaho
Kentucky
Median Home Price
$420K
$210K
Property Tax Rate
0.63%
0.83%
Avg Closing Costs
$6K
$3K
Closing Cost %
1.5%
1.4%
Transfer Tax
None
0.1%
Homeowners Insurance
$1,600/yr
$2,400/yr
First-Time Buyer Program
Idaho Housing DPA
Up to 7% second mortgage
KHC Regular DAP
Up to $6,000 repayable loan
Verdict
Idaho and Kentucky are evenly matched across major housing cost categories. Your decision may come down to other factors like job market, climate, or lifestyle preferences. Use the calculators below to model your specific scenario.