How much house can I afford on $100,000 in Delaware?
About $371,000 with 20% down ($293,000 with an FHA loan), using Delaware's 0.49% property tax rate.
That is $33,941 less than the typical Delaware home ($405,061), so on $100,000 you'd look at cheaper areas or a smaller home. The payment of $2,333 covers $1,997 principal and interest, $151 property tax and $186 insurance.
Counties in Delaware you can afford on $100,000
1 of 3 counties have a typical home value at or below $371,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| New Castle County | $366,105 | +1.4% | 0.71% |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.49% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Delaware
Frequently asked questions
How much house can I afford on $100,000 in Delaware?
About $371,000 with 20% down at 7.11%, keeping the payment (with Delaware's 0.49% property tax and insurance) under $2,333 a month.
Is $100,000 enough to buy a house in Delaware?
Not the typical home: the typical Delaware home is worth $405,061 (Zillow, September 2026) and $100,000 supports about $371,000. 1 of 3 counties are within budget.