Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Delaware and Louisiana. Updated for 2026.
Metric
Delaware
Louisiana
Median Home Price
$355K
$195K
Property Tax Rate
0.56%
0.55%
Avg Closing Costs
$12K
$3K
Closing Cost %
3.3%
1.6%
Transfer Tax
4%
None
Homeowners Insurance
$1,300/yr
$3,500/yr
First-Time Buyer Program
DSHA Homeownership Loan
Up to 5% Preferred Plus
LHC Resilience Soft Second
Up to $55,000 forgivable
Verdict
Louisiana wins 5 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $195K and lower overall costs, Louisiana offers meaningful savings compared to Delaware. Both states offer first-time buyer programs — explore the state pages for full details.