Average Closing Costs in Kentucky (2026)
Kentucky Closing Cost Laws & Requirements
Kentucky charges a Real Estate Transfer Tax on property transfers. Property taxes in Kentucky are generally lower than the national average.
Transfer Tax
Kentucky Real Estate Transfer Tax is $0.50 per $500 of sale price paid by the seller.
First-Time Buyer Programs in Kentucky
Kentucky Housing Corporation offers the Conventional Preferred Plus 80 program with down payment assistance.
Closing Costs by City in Kentucky
| City | Typical Range | Avg % of Price |
|---|---|---|
| Louisville | $4,900 – $12,250 | 1.6% |
| Lexington | $5,700 – $14,250 | 1.6% |
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