Exact transfer tax rates, recording fees, and title insurance costs for Kentucky home buyers and sellers. Updated for 2026.
Calculate for a Specific KY Address →Closing costs in Kentucky typically range from 2% to 5% of the sale price for buyers, and 1% to 3% for sellers (excluding agent commission). The main components are transfer taxes, recording fees, and title insurance. Use the myClosingCost calculator for an exact estimate on any Kentucky address.
Yes. Kentucky imposes a transfer tax of $0.50 per $500 of sale price, typically paid by the seller.
In Kentucky, some costs are customarily paid by one side. Transfer taxes are often split or assigned by custom and contract. Recording fees for the deed are typically paid by the buyer. Title insurance is negotiable. The myClosingCost calculator shows both buyer and seller totals side by side.
Owner's title insurance in Kentucky costs approximately ~$1,988 on a $450K home. The exact premium depends on the sale price and which underwriter your title company uses.
Recording fees in Kentucky are set by each county recorder and typically range from $25 to $200 for a standard deed.
Yes. myClosingCost covers all Kentucky counties and calculates exact transfer taxes, recording fees, and title insurance for any residential address. Enter your address at myclosingcost.com — no account required, completely free.