Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Delaware and Florida. Updated for 2026.
Metric
Delaware
Florida
Median Home Price
$355K
$395K
Property Tax Rate
0.56%
0.86%
Avg Closing Costs
$12K
$7K
Closing Cost %
3.3%
1.8%
Transfer Tax
4%
0.7%
Homeowners Insurance
$1,300/yr
$4,200/yr
First-Time Buyer Program
DSHA Homeownership Loan
Up to 5% Preferred Plus
Florida Hometown Heroes
Up to 5% as 0% deferred loan
Verdict
Delaware and Florida are evenly matched across major housing cost categories. Your decision may come down to other factors like job market, climate, or lifestyle preferences. Use the calculators below to model your specific scenario.