Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Georgia and Kentucky. Updated for 2026.
Metric
Georgia
Kentucky
Median Home Price
$340K
$210K
Property Tax Rate
0.92%
0.83%
Avg Closing Costs
$5K
$3K
Closing Cost %
1.5%
1.4%
Transfer Tax
0.1%
0.1%
Homeowners Insurance
$2,200/yr
$2,400/yr
First-Time Buyer Program
Georgia Dream Homeownership
Up to $10,000 DPA
KHC Regular DAP
Up to $6,000 repayable loan
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 Georgia. Both states offer first-time buyer programs — explore the state pages for full details.