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$355,000
6.95%
0.57%
2.2%–6.6%
How today's 6.95% rate compares to recent years
| Period | 30-Yr Rate | vs. Today |
|---|---|---|
| 2026 (current) | 6.95% | — |
| 2024 avg | 7.37% | -0.42% |
| 2023 avg | 7.80% | -0.85% |
| 2022 peak | 7.63% | -0.68% |
| 2021 avg | 3.55% | +3.40% |
| 2020 avg | 3.35% | +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 | $1,880 |
| Property Tax | $169 |
| Homeowners Insurance (est.) | $118 |
| Total Monthly Payment (PITI) | $2,167 |
$71,000
$392,776
$92,867/yr
The median home price in Delaware is $355,000, 15% below the $420,000 national median. With a median household income of $72,700, the price-to-income ratio is 4.9x.
Property taxes in Delaware average 0.57% of assessed value, below the 1.1% national average. On the median home, that's $2,023 a year, or $169 added to the monthly payment.
Delaware levies a state income tax of 2.2%–6.6% on top of the $2,167/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 3% higher than Georgia: $345,000 there versus $355,000 here.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $284,000 loan saves $12,780 in interest over 30 years.
Compare Top Delaware Mortgage Lenders