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Delaware Mortgage Calculator

Estimate the monthly PITI payment on a Delaware home. Preseeded with the state’s 0.57% effective property-tax rate, $900 average annual insurance, and $340,000 median home price.

Loan Parameters
$
$
Percentage
20.0 %
Loan Term
Advanced Options
$
Monthly Payment (PITI)
$1,956
Principal & Interest
$1,719
Property Taxes
$161
Home Insurance
$75
Total Interest
$346,921
Total Cost
$704,061
Loan-to-Value
80.0%
Payoff Year
2056

Delaware Property Tax, Insurance & Home Prices

Effective property-tax rate
0.57%
Avg annual insurance
$900
Median home price
$340,000

Statewide averages, last reviewed May 2026. Actual rates and premiums vary significantly by county, city, and parcel — see the notes below.

Notable Delaware Rules

Delaware has no state sales tax and very low property-tax rates, partly because assessments are based on outdated valuations (last reassessed 1983–1987 in most counties, though New Castle reassessed in 2024). Real bills can be substantially lower than the “market rate × home value” estimate would suggest.

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Frequently Asked Questions

  • Delaware's statewide effective property-tax rate is approximately 0.57% of home value (last reviewed May 2026). Actual county- and city-level rates vary; check your specific parcel before budgeting.