Sources close to the former couple tell TMZ ... one of the main points of contention in the marriage was where the couple would live after all of the wedding madness finally died down.
We're told Kris was passionate about eventually settling down in Minnesota, where he's from ... and believed Kim was on board with the plan. She wasn't.
Sources tell us Kim -- who's from L.A. -- wants to stay near her family ... and she also feels that staying in town is the best thing for her career.
So why didn't this conversation come up before the $10 million wedding? We're told the two talked about their future ... but got caught up in the hooplah and figured they would simply figure it out after they tied the knot.
Sources say it's not a nasty break-up ... but we're told the two have come to a realization that it's not a long-term fit.