Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Delaware and Vermont. Updated for 2026.
Metric
Delaware
Vermont
Median Home Price
$355K
$380K
Property Tax Rate
0.56%
1.9%
Avg Closing Costs
$12K
$6K
Closing Cost %
3.3%
1.6%
Transfer Tax
4%
1.45%
Homeowners Insurance
$1,300/yr
$1,100/yr
First-Time Buyer Program
DSHA Homeownership Loan
Up to 5% Preferred Plus
VHFA MOVE Mortgage
$5K–$15K DPA
Verdict
Vermont wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. However, Delaware has a lower total cost when combining home price, closing costs, and insurance. Both states offer first-time buyer programs — explore the state pages for full details.