Delaware Mortgage Calculator with Taxes & Insurance (DE)

Calculate Your Delaware Mortgage Payment

Our calculator is pre-filled with Delaware's median home price and property tax rate. Adjust the numbers to match your situation.

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Monthly Payment Breakdown for Delaware

Here's what your monthly payment looks like on the median Delaware home ($412,252) with 20% down at 6.67%, the current average 30-year rate:

Principal & Interest $2,122

Property Taxes (0.50%) $172

Homeowners Insurance (est.) $200

Total Monthly Payment $2,494

Note: This estimate assumes 20% down payment ($82,450), no PMI. With less than 20% down, add $137-$275/month for PMI.

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Delaware Property Taxes

Delaware's effective property tax rate is 0.50%, which is below the national average of 0.89%. See how property taxes are calculated and how they compare across states.

Annual Property Tax on $412,252 Home

$2,061

($172/month escrowed)

Buying a Home in Delaware: Key Facts

Property tax rate of 0.50% is well below national average
No sales tax in Delaware, reducing overall cost of living
Northern Delaware has higher prices due to Philadelphia proximity
DSHA offers specialized programs for teachers and public servants

Mortgage Calculators for Nearby States

Comparing homes across state lines? Check property taxes and home prices in neighboring states:

Maryland 0.90% tax New Jersey 1.77% tax Pennsylvania 1.19% tax

Delaware First-Time Homebuyer Programs

Delaware has 22 homebuyer assistance programs that can help with down payment and closing costs.

DSHA Homeownership Loan

Below-market interest rates for first-time buyers

Low-Interest Mortgage

DSHA Second Mortgage Assistance

Up to 4% of purchase price for down payment

Deferred Loan

Preferred Plus Program

Up to 5% of mortgage as down payment assistance

Forgivable Loan

Eligibility requirements typically include income limits, credit score minimums (usually 620+), and homebuyer education courses. Visit DownPaymentResource.com to search for programs you may qualify for.

Major Cities in Delaware

Home prices and property taxes can vary significantly by city. The median home value of $412,252 is a statewide estimate.

Wilmington Dover Newark Middletown Bear

Delaware Mortgage FAQ

What is the property tax rate in Delaware?

The average effective property tax rate in Delaware is 0.50%. On a $412,252 home, that's approximately $2,061 per year or $172 per month added to your mortgage payment.

What is the median home value in Delaware?

The median home value in Delaware is $412,252 as of 2026-06-01. Prices vary by location - Wilmington and Dover typically have higher prices than rural areas.

Are there first-time homebuyer programs in Delaware?

Yes, Delaware has 22 homebuyer assistance programs. Popular options include DSHA Homeownership Loan, which offers below-market interest rates for first-time buyers.

How much do I need to buy a house in Delaware?

For the median Delaware home ($412,252), you'd need $82,450 for a 20% down payment, plus $12,368-$20,613 for closing costs. With down payment assistance, you could potentially buy with as little as $14,429 (3.5% FHA down payment).

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