What is the average mortgage rate in Delaware in 2026?
Around 7.46% as of October 19, 2026 on a 30-year fixed in this national benchmark model — in line with the US average shown above.
Best Mortgage Rates Delaware 2026
Delaware offers Mid-Atlantic affordability with an average home price around $318,000 in 2026. The state has a progressive income tax (top rate about 6.6%) and a realty transfer tax often described around 4% combined, commonly split between buyer and seller.
30-year fixed
7.46%
National avg
15-year fixed
6.82%
National avg
5/1 ARM
6.82%
National avg
| Product | Rate (APR) |
|---|---|
| 30-year fixed (national avg) | 7.46% |
| 15-year fixed (national avg) | 6.82% |
| 5/1 ARM (national avg) | 6.82% |
Rates verified Oct 21, 2026
Rates shown are national benchmark averages for this page, not live quotes from lenders. Confirm pricing with banks and brokers in Delaware. Not financial advice.
Delaware at a glance
- Average home price: $318,000
- State income tax: Yes (6.6% top marginal rate)
- Transfer / conveyance tax: Yes — about 4% total (often split buyer/seller)
- Typical monthly payment: $1,772/mo on $318,000 with 20% down, 30-year term, at 7.46% — excludes taxes, insurance, and HOA.
Frequently Asked Questions
Does Delaware have a real estate transfer tax?
Delaware imposes a realty transfer tax often quoted around 4% of the sale price; allocation between buyer and seller is typically negotiated at closing.
What is the average home price in Delaware in 2026?
$318,000 — used here as an illustrative average for payment math.
How much do I need to earn to afford a home in Delaware?
To afford $318,000 with 20% down at 7.46% on a 30-year loan, many lenders use debt-to-income rules that imply approximately $75,000–$80,000 annual income before taxes — your lender may differ.
US mortgage calculator · Educational reference only. Not financial or lending advice.