Kentucky vs North Dakota: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Kentucky and North Dakota. Updated for 2026.
Metric
Kentucky
North Dakota
Median Home Price
$210K
$255K
Property Tax Rate
0.83%
0.98%
Avg Closing Costs
$3K
$3K
Closing Cost %
1.4%
1.1%
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
NDHFA FirstHome
DCA up to $14,000
Verdict
North Dakota wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. However, Kentucky has a lower total cost when combining home price, closing costs, and insurance. Both states offer first-time buyer programs — explore the state pages for full details.