Kentucky vs South Carolina: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Kentucky and South Carolina. Updated for 2026.
Metric
Kentucky
South Carolina
Median Home Price
$210K
$305K
Property Tax Rate
0.83%
0.57%
Avg Closing Costs
$3K
$4K
Closing Cost %
1.4%
1.3%
Transfer Tax
0.1%
0.37%
Homeowners Insurance
$2,400/yr
$2,600/yr
First-Time Buyer Program
KHC Regular DAP
Up to $6,000 repayable loan
SC Housing Palmetto Home
Up to $8,000 forgivable
Verdict
Kentucky wins 4 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 South Carolina. Both states offer first-time buyer programs — explore the state pages for full details.