- Median rent
- $998/mo
- Median home
- $226,000
- Price-to-rent
- 18.9×
- Modeled ownership
- $1,603/mo
- Monthly gap
- $605/mo
- Break-even (model)
- 15 yrs
- Signal
- Rent leans ahead
Smaller monthly gap vs rent on this benchmark.
Kentucky vs Texas Rent vs Buy
Texas has the lower price-to-rent ratio (17.7× vs 18.9×).
By Sammy S. · Founder · AuthorUpdated for 2026
Lower price-to-rent ratio
Texas
Texas has the lower price-to-rent ratio (17.7× vs 18.9×).
Ratio gap: 1.2×
Rent vs buy scoreboard
- Median rent
- $1,475/mo
- Median home
- $313,200
- Price-to-rent
- 17.7×
- Modeled ownership
- $2,436/mo
- Monthly gap
- $961/mo
- Break-even (model)
- 21 yrs
- Signal
- Rent leans ahead
What Kentucky vs Texas means for renters and buyers
Rent benchmark
ACS median gross rent is $998/mo in Kentucky and $1,475/mo in Texas. Monthly rent gap difference: $357/mo on modeled ownership minus rent.
Buy benchmark
Ownership model uses 6.66% financing, 1% maintenance, and 5% opportunity return on cash-to-close at each state's ACS median home value.
Related tools
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Compare a different pair
Compare any two states
Price-to-rent ratios, median rent, modeled ownership, and break-even context.
Related comparisons
Kentucky vs Texas FAQs
Texas is higher ($1,475/mo vs $998/mo).
Kentucky is higher (18.9× vs 17.7×). Higher ratios often lean toward renting on this metric.
Texas is lower (17.7× vs 18.9×).
Kentucky: ~15 years. Texas: ~21 years under the same appreciation, rent-growth, and opportunity-return assumptions.
Texas shows the larger buy-over-rent monthly gap ($961/mo vs $605/mo) before equity.
Kentucky shows the smaller gap ($605/mo vs $961/mo).
Kentucky $226,000 vs Texas $313,200 (ACS median owner-occupied).
No. Both use the same Freddie Mac PMMS 6.66% 30-year fixed assumption (as of 2026-07-30) so the comparison isolates home prices, rents, property tax, and insurance.
Neither does — HOA defaults to $0 in both columns. Local dues can flip a close comparison.
Use this duel for housing-structure context, then compare wages, income taxes, insurance risk, and how long you will stay before deciding.
By Sammy S. · Founder · AuthorUpdated for 2026