Mortgage Rates in Delaware — April 2026
Compare current mortgage rates across 45 cities in Delaware. The average 30-year fixed rate is 6.71%, which is 0.62% above the national average of 6.09%.
Delaware Housing Highlights
All 45 Cities in Delaware
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Wilmington | 6.67% | $225,000 | $1,158 | 70,898 |
| Dover | 6.67% | $235,000 | $1,209 | 39,403 |
| Woodside East | 6.73% | $220,000 | $1,139 | 39,121 |
| Newark | 6.67% | $295,000 | $1,518 | 33,398 |
| Ellendale | 6.62% | $360,000 | $1,843 | 31,685 |
| Farmington | 6.71% | $390,000 | $2,015 | 24,834 |
| Highland Acres | 6.64% | $275,000 | $1,411 | 24,494 |
| Middletown | 6.67% | $345,000 | $1,775 | 23,664 |
| Long Neck | 6.74% | $340,000 | $1,762 | 22,929 |
| Viola | 6.88% | $265,000 | $1,393 | 22,084 |
| Bear | 6.72% | $294,000 | $1,521 | 21,190 |
| Newport | 6.67% | $375,000 | $1,930 | 20,197 |
| Pike Creek | 6.67% | $244,000 | $1,256 | 19,751 |
| Glasgow | 6.68% | $283,000 | $1,458 | 15,288 |
| Brookside | 6.89% | $248,000 | $1,305 | 14,353 |
| Hockessin | 6.82% | $257,000 | $1,343 | 13,527 |
| Smyrna | 6.67% | $275,000 | $1,415 | 13,285 |
| Milford | 6.67% | $285,000 | $1,467 | 12,680 |
| Pike Creek Valley | 6.63% | $295,000 | $1,512 | 11,217 |
| Claymont | 6.64% | $243,000 | $1,247 | 9,191 |
| Wilmington Manor | 6.85% | $269,000 | $1,410 | 8,297 |
| Seaford | 6.64% | $235,000 | $1,206 | 8,283 |
| North Star | 6.64% | $282,000 | $1,447 | 8,195 |
| Talleyville | 6.84% | $248,000 | $1,299 | 7,725 |
| Georgetown | 6.75% | $230,000 | $1,193 | 7,384 |
| Elsmere | 6.69% | $269,000 | $1,387 | 6,131 |
| New Castle | 6.69% | $225,000 | $1,160 | 5,285 |
| Millsboro | 6.65% | $240,000 | $1,233 | 4,502 |
| Laurel | 6.8% | $262,000 | $1,366 | 4,182 |
| Milton | 6.74% | $254,000 | $1,317 | 3,956 |
| Harrington | 6.62% | $211,000 | $1,080 | 3,895 |
| Camden (DE) | 6.64% | $230,000 | $1,180 | 3,529 |
| Clayton | 6.79% | $211,000 | $1,099 | 3,344 |
| Lewes | 6.67% | $240,000 | $1,235 | 3,266 |
| Bridgeville | 6.68% | $224,000 | $1,154 | 3,223 |
| Townsend | 6.71% | $229,000 | $1,183 | 3,152 |
| Ocean View | 6.86% | $237,000 | $1,244 | 2,637 |
| Selbyville | 6.78% | $228,000 | $1,187 | 2,520 |
| Greenville | 6.67% | $251,000 | $1,292 | 2,420 |
| Delmar | 6.69% | $241,000 | $1,243 | 2,224 |
| Rehoboth Beach | 6.62% | $258,000 | $1,321 | 1,588 |
| Felton | 6.72% | $249,000 | $1,288 | 1,473 |
| Bellefonte | 6.74% | $248,000 | $1,286 | 1,213 |
| Bethany Beach | 6.65% | $235,000 | $1,207 | 1,068 |
| Fenwick Island | 6.65% | $223,000 | $1,145 | 379 |
Delaware Mortgage Rates Guide — 2026
Delaware homebuyers currently see an average 30-year fixed mortgage rate of 6.71%, with median home prices around $261,733. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,352.
The most affordable city for homebuyers in Delaware is Harrington, where the median home price is $211,000. On the other end, Farmington has the highest prices at $390,000. Property tax rates across the state average 0.56%.
To comfortably afford a home at the state average price, a household income of approximately $57,943 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Delaware Mortgages
What are current mortgage rates in Delaware?
As of April 2026, the average 30-year fixed mortgage rate in Delaware is 6.71% and the 15-year fixed rate averages 5.95%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Delaware?
The median home price across 45 cities in Delaware is $261,733. Prices range from $211,000 in Harrington to $390,000 in Farmington.
How much income do I need to buy a house in Delaware?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $57,943 to comfortably afford the average home in Delaware. The median household income in the state is approximately $63,638.
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