Delaware Mortgage Calculator 2026
Delaware offers a compelling combination of low property taxes (0.57%), no state sales tax, and proximity to Philadelphia, Baltimore, and Washington D.C. The state has become increasingly popular with buyers priced out of Pennsylvania and New Jersey.
Calculate Your Delaware Mortgage Payment
Pre-filled with Delaware averages — adjust any value to match your situation.
= $66,000 down
Estimated Monthly Payment Breakdown
Based on $330,000 home price, 20% down, 30-year fixed at 7.25%.
Delaware Property Taxes & Income Tax
Delaware's 0.57% property tax rate is well below the national average — on a $330,000 home, about $157/month. There is no state sales tax. Income tax ranges from 2.2% to 6.6%. The Senior School Property Tax Credit provides additional relief for qualifying seniors.
Delaware Homeowners Insurance
Delaware Beach communities (Rehoboth, Dewey, Bethany) face flood and hurricane risk requiring NFIP flood insurance ($700–$1,500/year). Inland areas average $900–$1,300/year. Budget $75–$110/month.
Delaware Housing Market Overview
New Castle County (Wilmington, Newark, Middletown) benefits from proximity to Philadelphia and has attracted significant corporate presence. Kent and Sussex counties offer more affordable options and strong retiree demand. Delaware's small size makes cross-county commuting practical.
Frequently Asked Questions
What is the average mortgage payment in Delaware?
Based on Delaware's median home price of $330,000, a 20% down payment, and a 30-year fixed rate of 7.25%, the estimated total monthly payment (PITI) is approximately $2,050/month.
What is the conforming loan limit in Delaware?
The conforming loan limit in Delaware is $766,550. Loans above this amount are jumbo loans requiring stronger credit and larger down payments.
Can I get a USDA loan in Delaware?
Yes — Delaware has USDA-eligible rural areas where qualifying buyers can purchase a home with zero down payment. Use the USDA eligibility map to check specific addresses.
Are VA loans available in Delaware?
Yes — eligible veterans, active-duty service members, and surviving spouses can use VA loans in Delaware with no down payment and no PMI. The VA loan limit in Delaware is $766,550.
Delaware Loan Limits
Delaware Homebuyer Programs
Below-market interest rates and down payment assistance for first-time homebuyers in Delaware.
Learn more →