Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Delaware and Illinois. Updated for 2026.
Metric
Delaware
Illinois
Median Home Price
$355K
$270K
Property Tax Rate
0.56%
2.07%
Avg Closing Costs
$12K
$5K
Closing Cost %
3.3%
2.0%
Transfer Tax
4%
0.1%
Homeowners Insurance
$1,300/yr
$1,900/yr
First-Time Buyer Program
DSHA Homeownership Loan
Up to 5% Preferred Plus
IHDA 1stHomeIllinois
$7,500 forgivable loan
Verdict
Illinois wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $270K and lower overall costs, Illinois offers meaningful savings compared to Delaware. Both states offer first-time buyer programs — explore the state pages for full details.