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Mortgage Calculator &
Closing Costs: Lewes, DE

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Lewes, Delaware.

Median Home Price
$485K
Population
3K
Avg Monthly Rent
$1,720
Property Tax Rate
0.56%
Lewes vs Delaware Median
The median home price in Lewes is $485,000, which is 37% above the Delaware state median of $355,000.

Mortgage Calculator — Lewes, DE

Pre-filled with Lewes median home price and Delaware tax/insurance rates. Adjust for your property.

$
$97,000
%
%
years
DE avg
%
$
Monthly Payment (PITI)
$2,787
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$2,452
per month
Taxes & Insurance
$334
per month
Total Interest Paid
$495K
over 30 years
Total Loan Cost
$883K
all payments
Payment Breakdown
Loan Amount$388,000
Principal & Interest$2,452
Property Taxes$226
Homeowners Insurance$108
Total Monthly PITI$2,787

Closing Costs — Lewes, DE

Estimated closing costs based on Delaware rates and fees applied to Lewes prices.

$
%
Delaware: Avg closing costs 3.3% of price. Transfer tax: 4%.
Estimated Closing Costs
$31,233
6.4% of purchase price
Lender Fees
$3,917
origination, underwriting
Third-Party
$3,875
appraisal, title, inspection
Government Fees
$19,400
transfer taxes, recording
Prepaids + Escrow
$4,041
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$3,492
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,725
Recording Fee$150
Transfer Tax$19,400
Prepaid Taxes (3 mo)$679
Prepaid Insurance (12 mo)$1,300
Prepaid Interest (15 days)$1,166
Escrow Reserves$896
Total Closing Costs$31,233

Buying a Home in Lewes, Delaware

The median home price in Lewes is $485,000, 37% above the Delaware state median of $355,000. With a population of 3,266, Lewes is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in Delaware average 0.56% annually. This low property tax rate is a significant advantage for Lewes buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Delaware runs approximately $1,300 per year. This is within the normal range nationally.

Average rent in Lewes is $1,720/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Lewes is a higher-cost market. At $485K median, buyers need significant savings or strong income. Down payment assistance through Delaware's DSHA Homeownership Loan program becomes especially important.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Lewes.
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