Kentucky vs Massachusetts: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Kentucky and Massachusetts. Updated for 2026.
Metric
Kentucky
Massachusetts
Median Home Price
$210K
$595K
Property Tax Rate
0.83%
1.2%
Avg Closing Costs
$3K
$10K
Closing Cost %
1.4%
1.6%
Transfer Tax
0.1%
0.456%
Homeowners Insurance
$2,400/yr
$2,200/yr
First-Time Buyer Program
KHC Regular DAP
Up to $6,000 repayable loan
MassHousing DPA
Up to $50,000 DPA loan
Verdict
Kentucky wins 5 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 Massachusetts. Both states offer first-time buyer programs — explore the state pages for full details.