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Delaware vs North Carolina:
Mortgage & Housing Costs

Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Delaware and North Carolina. Updated for 2026.

MetricDelawareNorth Carolina
Median Home Price$355K$340K
Property Tax Rate0.56%0.78%
Avg Closing Costs$12K$5K
Closing Cost %3.3%1.4%
Transfer Tax4%0.2%
Homeowners Insurance$1,300/yr$2,300/yr
First-Time Buyer Program
DSHA Homeownership Loan
Up to 5% Preferred Plus
NC Home Advantage Mortgage
Up to 5% DPA
Verdict

North Carolina wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $340K and lower overall costs, North Carolina offers meaningful savings compared to Delaware. Both states offer first-time buyer programs — explore the state pages for full details.

Explore Each State

Delaware$355K
0.56% tax · $12K closing · $1,300/yr insurance
North Carolina$340K
0.78% tax · $5K closing · $2,300/yr insurance
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