Delaware Mortgage Rates & Home Prices (2026)
Median price: $345,000 · Avg. rate: 6.84%
Delaware Market Overview
$345,000
Median Home Price
6.84%
Avg. 30-Yr Rate
0.57%
Property Tax Rate
72.5%
Homeownership Rate
Delaware offers moderate housing costs with the advantage of no state sales tax. The Delaware State Housing Authority provides low-interest mortgages and down payment assistance. New Castle County near Philadelphia commands higher prices than southern Delaware.
Estimated Monthly Payment
Median home in Delaware (20% down, 30-yr fixed)
$2,114/mo
Principal & Interest$1,807
Property Taxes$164
Home Insurance (est.)$144
Total Monthly (PITI)$2,114
Based on a $345,000 home with 20% down ($276,000 loan) at 6.84%. Does not include PMI, HOA, or other fees.
First-Time Buyer Programs in Delaware
- DSHA Homeownership Loan
- Preferred Plus Program
- Welcome Home Program
Contact your state's Housing Finance Agency for current program availability and requirements.
Rate Comparison: DE Rates
30-Year Fixed6.84%
15-Year Fixed6.06%
5/1 ARM (est.)6.09%
FHA 30-Year6.69%
VA 30-Year6.59%
Rates are estimates based on state averages and may vary by lender and borrower qualifications.
Frequently Asked Questions
Key Stats: DE
FHA Loan Limit$472,030
Median Income$75,467
Cost Index1.05x