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Mortgage Calculator &
Closing Costs: Middletown, DE

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

Median Home Price
$375K
Population
22K
Avg Monthly Rent
$1,550
Property Tax Rate
0.56%
Middletown vs Delaware Median
The median home price in Middletown is $375,000, which is 6% above the Delaware state median of $355,000.

Mortgage Calculator — Middletown, DE

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

$
$75,000
%
%
years
DE avg
%
$
Monthly Payment (PITI)
$2,179
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,896
per month
Taxes & Insurance
$283
per month
Total Interest Paid
$383K
over 30 years
Total Loan Cost
$683K
all payments
Payment Breakdown
Loan Amount$300,000
Principal & Interest$1,896
Property Taxes$175
Homeowners Insurance$108
Total Monthly PITI$2,179

Closing Costs — Middletown, DE

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

$
%
Delaware: Avg closing costs 3.3% of price. Transfer tax: 4%.
Estimated Closing Costs
$24,918
6.6% of purchase price
Lender Fees
$3,125
origination, underwriting
Third-Party
$3,325
appraisal, title, inspection
Government Fees
$15,000
transfer taxes, recording
Prepaids + Escrow
$3,468
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,700
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,175
Recording Fee$150
Transfer Tax$15,000
Prepaid Taxes (3 mo)$525
Prepaid Insurance (12 mo)$1,300
Prepaid Interest (15 days)$902
Escrow Reserves$742
Total Closing Costs$24,918

Buying a Home in Middletown, Delaware

The median home price in Middletown is $375,000, 6% above the Delaware state median of $355,000. With a population of 22,350, Middletown 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 Middletown 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 Middletown is $1,550/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.

Middletown presents moderate affordability. The $375K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Middletown.
Rent vs Buy Calculator →
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