Delaware vs Pennsylvania: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Delaware and Pennsylvania. Updated for 2026.
Metric
Delaware
Pennsylvania
Median Home Price
$355K
$280K
Property Tax Rate
0.56%
1.36%
Avg Closing Costs
$12K
$5K
Closing Cost %
3.3%
1.7%
Transfer Tax
4%
2%
Homeowners Insurance
$1,300/yr
$1,400/yr
First-Time Buyer Program
DSHA Homeownership Loan
Up to 5% Preferred Plus
PHFA Keystone Advantage
Up to $6,000 DPA
Verdict
Pennsylvania wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $280K and lower overall costs, Pennsylvania offers meaningful savings compared to Delaware. Both states offer first-time buyer programs — explore the state pages for full details.