Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Delaware and Oklahoma. Updated for 2026.
Metric
Delaware
Oklahoma
Median Home Price
$355K
$210K
Property Tax Rate
0.56%
0.88%
Avg Closing Costs
$12K
$3K
Closing Cost %
3.3%
1.3%
Transfer Tax
4%
0.075%
Homeowners Insurance
$1,300/yr
$3,600/yr
First-Time Buyer Program
DSHA Homeownership Loan
Up to 5% Preferred Plus
OHFA Homebuyer DPA
Up to 3.5% DPA
Verdict
Oklahoma wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $210K and lower overall costs, Oklahoma offers meaningful savings compared to Delaware. Both states offer first-time buyer programs — explore the state pages for full details.