Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Kentucky and Oklahoma. Updated for 2026.
Metric
Kentucky
Oklahoma
Median Home Price
$210K
$210K
Property Tax Rate
0.83%
0.88%
Avg Closing Costs
$3K
$3K
Closing Cost %
1.4%
1.3%
Transfer Tax
0.1%
0.075%
Homeowners Insurance
$2,400/yr
$3,600/yr
First-Time Buyer Program
KHC Regular DAP
Up to $6,000 repayable loan
OHFA Homebuyer DPA
Up to 3.5% DPA
Verdict
Oklahoma wins 3 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.