Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Kentucky and Louisiana. Updated for 2026.
Metric
Kentucky
Louisiana
Median Home Price
$210K
$195K
Property Tax Rate
0.83%
0.55%
Avg Closing Costs
$3K
$3K
Closing Cost %
1.4%
1.6%
Transfer Tax
0.1%
None
Homeowners Insurance
$2,400/yr
$3,500/yr
First-Time Buyer Program
KHC Regular DAP
Up to $6,000 repayable loan
LHC Resilience Soft Second
Up to $55,000 forgivable
Verdict
Kentucky and Louisiana are evenly matched across major housing cost categories. Your decision may come down to other factors like job market, climate, or lifestyle preferences. Use the calculators below to model your specific scenario.