Skip to content
Calculators ▾

Delaware mortgage calculator

Pre-filled for Delaware: the median home value ($370,000) and the state's effective property tax rate of 0.47%. Change anything to match your home.

Home price
Down payment$74,000
%
Interest rateAPR, fixed
%
Loan term
Extra monthly paymenttoward principal
/ mo

Estimated monthly payment

$2,165.84

Loan $296,000 · 20% down

  • Principal & interest$1,870.92
  • Property tax$144.92
  • Home insurance$150.00
See the month-by-month schedule →
Total interest
$377,533
Total cost
$779,704
Payoff time
30 yr
PMI paid
None

Principal vs. interest by year

1: Principal 3,308, Interest 19,14312: Principal 3,530, Interest 18,9213: Principal 3,766, Interest 18,6854: Principal 4,019, Interest 18,43245: Principal 4,288, Interest 18,1636: Principal 4,575, Interest 17,8767: Principal 4,881, Interest 17,5708: Principal 5,208, Interest 17,24389: Principal 5,557, Interest 16,89410: Principal 5,929, Interest 16,52211: Principal 6,326, Interest 16,12512: Principal 6,750, Interest 15,7011213: Principal 7,202, Interest 15,24914: Principal 7,684, Interest 14,76715: Principal 8,199, Interest 14,25216: Principal 8,748, Interest 13,7031617: Principal 9,334, Interest 13,11718: Principal 9,959, Interest 12,49219: Principal 10,626, Interest 11,82520: Principal 11,338, Interest 11,1132021: Principal 12,097, Interest 10,35422: Principal 12,907, Interest 9,54423: Principal 13,772, Interest 8,67924: Principal 14,694, Interest 7,7572425: Principal 15,678, Interest 6,77326: Principal 16,728, Interest 5,72327: Principal 17,848, Interest 4,60328: Principal 19,044, Interest 3,4072829: Principal 20,319, Interest 2,13230: Principal 21,682, Interest 77130
PrincipalInterest

Amortization schedule by year

YearPrincipalInterestBalance
1$3,308$19,143$292,692
2$3,530$18,921$289,162
3$3,766$18,685$285,395
4$4,019$18,432$281,376
5$4,288$18,163$277,089
Monthly payment$2,165.84

Ask Numlight

Ask in plain English. Every number comes from our tested calculators.

Educational only, not financial advice. Your question is processed by our AI provider; please don't include personal details.

Delaware at a glance

Effective property tax
0.47%
Rank (1 = highest)
44th of 51
Median home value
$371,600
Median tax bill
$1,750/yr

On the same $400,000 home, property tax in Delaware adds about $156.67/month, versus $296.67/month at the national rate.

Delaware mortgage payments by home price

Home pricePrincipal & interestProperty taxTotal / month
$175,000$884.90$68.54$1,103.44
$275,000$1,390.55$107.71$1,648.26
$375,000$1,896.20$146.87$2,193.07
$550,000$2,781.10$215.42$3,146.52
$750,000$3,792.41$293.75$4,236.16

20% down, 6.5% 30-year fixed (example rate), 0.47% property tax, $1,800/yr insurance, no HOA. Also see: how much house you can afford in Delaware.

Mortgage calculators for other states

Assumptions

  • Fixed interest rate for the full term.
  • Property tax, insurance and HOA stay constant (in reality they usually rise over time).
  • PMI applies only when the loan is over 80% of the home price, and stops once the balance reaches 78% of the original price.
  • Extra payments go entirely to principal.
  • Delaware figures: Effective rate = ACS median real estate taxes paid ÷ ACS median value, owner-occupied housing units, by state. Source: US Census Bureau ACS 2024.

Frequently asked questions

What is the property tax rate in Delaware?+

The effective property tax rate in Delaware is about 0.47% of home value a year (median taxes paid $1,750 on a median home worth $371,600). That's the 44th highest of 50 states and DC, and lower than the national 0.89%. Your actual bill depends on your county, city and exemptions.

What's the mortgage payment on a median-priced home in Delaware?+

For a $370,000 home with 20% down at an example 6.5% 30-year rate, the payment is about $2,165.84 a month, including $144.92 of property tax and $150.00 of insurance.

How much income do I need to buy a home in Delaware?+

To afford the median Delaware home ($370,000) under the 28/36 guideline with 10% down and no other debts, you'd need roughly $109,000 a year in gross income at a 6.5% rate.

Related calculators

Home affordability calculatorHow much house can I afford? Mortgage payoff calculatorHow much sooner can I pay off my mortgage? Mortgage refinance calculatorShould I refinance my mortgage? VA loan calculatorVA loan payment with the funding fee FHA loan calculatorFHA loan payment with mortgage insurance Conventional loan & PMI calculatorWhen will my PMI go away?

Last reviewed October 14, 2026. Calculator version 1.0.0. Sources: US Census Bureau, ACS 2024 1-year, Table B25103 (Median Real Estate Taxes Paid) · US Census Bureau, ACS 2024 1-year, Table B25077 (Median Value, Owner-Occupied). Results are estimates for educational purposes, not financial, tax or lending advice. How we check our numbers.