Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Kentucky and Wisconsin. Updated for 2026.
Metric
Kentucky
Wisconsin
Median Home Price
$210K
$280K
Property Tax Rate
0.83%
1.76%
Avg Closing Costs
$3K
$4K
Closing Cost %
1.4%
1.4%
Transfer Tax
0.1%
0.3%
Homeowners Insurance
$2,400/yr
$1,300/yr
First-Time Buyer Program
KHC Regular DAP
Up to $6,000 repayable loan
WHEDA First-Time Advantage
Up to $3,050 Easy Close grant
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 Wisconsin. Both states offer first-time buyer programs — explore the state pages for full details.