The calculator below is pre-filled with New Castle County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Delaware's statewide figures.
County data last updated 2026-08-20. FIPS 10003. Full source list on /methodology.
All-in cost first, always — pre-filled with New Castle County tax and insurance figures. Estimate only, not a loan quote or pre-approval.
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Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for Delaware.
How much house can I afford in Delaware? →Fewer listings, fewer buyers, and sellers who have a reason to be on the market in December. Here is what a winter discount is actually worth on a $400,000 house — in monthly payment, in lifetime interest, and in the seller concessions a quiet market makes possible — and the three ways a winter purchase goes wrong.
Delaware's 4% realty transfer tax is the highest in the country: $15,943 on the state's $398,585 median home. Here's what closing in Delaware actually costs.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.
Delaware State Housing Authority's primary 30-year fixed-rate first mortgage for first-time homebuyers, offered at a below-market interest rate through DSHA-approved lenders; can be paired with one of several 0%-interest down payment assistance second mortgages (Smart Start, First State Home Loan, Keys4You, Take5). Subject to county-based income and purchase-price limits.
0%-interest, deferred-payment second mortgage equal to 3% of the first mortgage loan amount, used toward down payment and/or closing costs; no monthly payments required until the home is refinanced, sold, or otherwise transferred. Must be paired with a DSHA Welcome Home or Home Again first mortgage.
Reduces the realty transfer tax rate paid by a qualifying first-time homebuyer by 0.5 percentage points (typically from 1.25% to 0.75% of the buyer's customary half-share), capped at $2,000 in savings and applied only to the first $400,000 of the property's value. Administered by the Delaware Division of Revenue, not a mortgage product.