CALCMONEY // MORTGAGE // DE
Calculate your monthly mortgage payment using Delaware-specific property tax rates, current average interest rates, and local median home prices.
Open Full Calculator$410,192
6.76%
0.54%
2.2%–6.6%
How today's 6.76% rate compares to recent years
| Period | 30-Yr Rate | vs. Today |
|---|---|---|
| 2026 (current) | 6.76% | — |
| 2024 avg | 7.18% | -0.42% |
| 2023 avg | 7.61% | -0.85% |
| 2022 peak | 7.44% | -0.68% |
| 2021 avg | 3.36% | +3.40% |
| 2020 avg | 3.16% | +3.60% |
Rate estimates based on Freddie Mac Primary Mortgage Market Survey national averages adjusted for Delaware market conditions. Actual rates vary by lender and borrower profile.
| Principal & Interest | $2,131 |
| Property Tax | $185 |
| Homeowners Insurance (est.) | $137 |
| Total Monthly Payment (PITI) | $2,452 |
$82,038
$438,855
$105,081/yr
The median home price in Delaware is $410,192, 2% below the $420,000 national median. With a median household income of $87,534, the price-to-income ratio is 4.7x.
Property taxes in Delaware average 0.54% of assessed value, below the 1.1% national average. On the median home, that's $2,215 a year, or $185 added to the monthly payment.
Delaware levies a state income tax of 2.2%–6.6% on top of the $2,452/month this mortgage runs. Model your real after-tax take-home before deciding how much payment you can carry.
Day-to-day expenses statewide track at 103 against the national 100 baseline, above average once you look past the mortgage payment itself.
Delaware's median home price runs 1% higher than Vermont: $405,980 there versus $410,192 here.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $328,154 loan saves $14,767 in interest over 30 years.
Compare Top Delaware Mortgage Lenders