What are the median closing costs in Delaware?

Median total closing costs — lender and third-party charges — on a home-purchase loan in Delaware are about $7,313, from public CFPB HMDA data. Cells with fewer than 25 loans are suppressed.

What is the effective property-tax rate in Delaware?

The effective property-tax rate in Delaware is about 0.50%, from the Census American Community Survey (median real estate taxes divided by median home value).

What does a median home cost to own each month in Delaware?

A median $352,000 home in Delaware costs about $2,684 a month to own — principal, interest, property tax, insurance, PMI, and a maintenance reserve — versus a lender-approved payment of about $2,390. Every figure is from public data.

Cost of Ownership · Delaware

The true cost of owning a home in Delaware

For a median $352,000 home in Delaware, here is the full monthly cost — not just the mortgage. Built from public data: the state's median home value and effective property-tax rate, its average homeowners premium, and the current 30-year rate. This is a representative example, not a quote.

As of Jul 8, 2026Methodology true-cost-v3

Lender-approved payment

$2,390/mo

PITI + PMI

True monthly cost

$2,684/mo

everything, incl. upkeep

The gap

+$293/mo

what approval leaves out

Principal & interest$2,019/mo

Property tax$147/mo

Homeowners insurance$92/mo

PMI (LTV > 80%)$132/mo

Maintenance reserve$293/mo

True monthly cost$2,684/mo

Effective property-tax rate

0.50%

Avg. homeowners premium

$1,103/yr

NFIP flood claims on record

6,334

Closing costs in Delaware

Median closing costs and lender origination charges on real home-purchase loans in Delaware, from public CFPB HMDA data. Cells with fewer than 25 loans aren't shown.

Median total closing costs

$7,313

Typically $5,152–$11,374

Median origination charges

$3,529

Typically $1,721–$6,315

Loan size	p25	Median	p75	Loans
All	$5,152	$7,313	$11,374	12,103
All	$5,055	$7,955	$11,566	11,642
< $250k	$4,195	$5,488	$7,978	2,467
< $250k	$4,165	$5,867	$8,462	3,153
$250k–$500k	$5,331	$8,155	$11,951	7,450
$250k–$500k	$5,593	$9,124	$12,652	6,852
$500k–$750k	$5,472	$8,795	$14,559	1,393
$500k–$750k	$5,729	$7,288	$13,070	1,729
> $750k	$6,843	$8,679	$13,163	457
> $750k	$6,619	$8,768	$12,772	244

Compare your own Loan Estimate with the Loan Estimate Decoder, or see every state in the Fee & Rate Index.

Common questions about buying a home in Delaware

What are the median closing costs in Delaware?: Median total closing costs — lender and third-party charges — on a home-purchase loan in Delaware are about $7,313, from public CFPB HMDA data. Cells with fewer than 25 loans are suppressed.
What is the effective property-tax rate in Delaware?: The effective property-tax rate in Delaware is about 0.50%, from the Census American Community Survey (median real estate taxes divided by median home value).
What does a median home cost to own each month in Delaware?: A median $352,000 home in Delaware costs about $2,684 a month to own — principal, interest, property tax, insurance, PMI, and a maintenance reserve — versus a lender-approved payment of about $2,390. Every figure is from public data.

These figures use Delaware's median home value and a 10% down payment as a representative example. Your price, rate, and county rate will differ — run your own numbers in the True Cost tool, see how Delaware ranks on property tax and insurance, or browse every state.