Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Delaware and Texas. Updated for 2026.
Metric
Delaware
Texas
Median Home Price
$355K
$310K
Property Tax Rate
0.56%
1.8%
Avg Closing Costs
$12K
$5K
Closing Cost %
3.3%
1.7%
Transfer Tax
4%
None
Homeowners Insurance
$1,300/yr
$3,800/yr
First-Time Buyer Program
DSHA Homeownership Loan
Up to 5% Preferred Plus
TDHCA My First Texas Home
Up to 5% DPA grant
Verdict
Texas wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $310K and lower overall costs, Texas offers meaningful savings compared to Delaware. Both states offer first-time buyer programs — explore the state pages for full details.