Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Kentucky and Montana. Updated for 2026.
Metric
Kentucky
Montana
Median Home Price
$210K
$430K
Property Tax Rate
0.83%
0.74%
Avg Closing Costs
$3K
$6K
Closing Cost %
1.4%
1.5%
Transfer Tax
0.1%
None
Homeowners Insurance
$2,400/yr
$2,100/yr
First-Time Buyer Program
KHC Regular DAP
Up to $6,000 repayable loan
MBOH Regular Bond Program
Up to $15,000 DPA
Verdict
Kentucky and Montana 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.