Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Delaware and Maryland. Updated for 2026.
Metric
Delaware
Maryland
Median Home Price
$355K
$420K
Property Tax Rate
0.56%
1.09%
Avg Closing Costs
$12K
$11K
Closing Cost %
3.3%
2.5%
Transfer Tax
4%
1.5%
Homeowners Insurance
$1,300/yr
$1,700/yr
First-Time Buyer Program
DSHA Homeownership Loan
Up to 5% Preferred Plus
MD Mortgage Program
Up to $25,000 DPA
Verdict
Delaware and Maryland 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.