Delaware mortgage calculator with property tax and insurance
Median home price in Delaware: $380,000. Effective property tax 0.57%/yr, homeowners insurance ≈ $1,200/yr. Rates updated Oct 8, 2026.
Payment by loan term
| Term | P&I | All-in | Total interest |
|---|---|---|---|
| 10 yr | $3,609 | $3,889 | $129,024 |
| 15 yr | $2,818 | $3,099 | $203,261 |
| 20 yr | $2,449 | $2,730 | $283,761 |
| 30 yr | $2,126 | $2,406 | $461,220 |
Adjust the numbers
Monthly breakdown
Total interest $461,220 · total PMI $0 · paid off in 30 years
Compare loan terms
| Term | Monthly (P&I) | Total monthly | Total interest |
|---|---|---|---|
| 10 years | $3,609 | $3,889 | $129,024 |
| 15 years | $2,818 | $3,099 | $203,261 |
| 20 years | $2,449 | $2,730 | $283,761 |
| 30 years | $2,126 | $2,406 | $461,220 |
Amortization schedule
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | $22,705 | $2,802 | $301,198 |
| 2 | $22,487 | $3,020 | $298,178 |
| 3 | $22,253 | $3,254 | $294,923 |
| 4 | $22,000 | $3,507 | $291,416 |
| 5 | $21,728 | $3,779 | $287,637 |
| 6 | $21,435 | $4,073 | $283,564 |
| 7 | $21,118 | $4,389 | $279,175 |
| 8 | $20,778 | $4,730 | $274,446 |
| 9 | $20,411 | $5,097 | $269,349 |
| 10 | $20,015 | $5,492 | $263,857 |
| 11 | $19,589 | $5,919 | $257,938 |
| 12 | $19,129 | $6,378 | $251,560 |
| 13 | $18,634 | $6,873 | $244,686 |
| 14 | $18,100 | $7,407 | $237,279 |
| 15 | $17,525 | $7,982 | $229,297 |
| 16 | $16,906 | $8,602 | $220,695 |
| 17 | $16,238 | $9,270 | $211,426 |
| 18 | $15,518 | $9,989 | $201,437 |
| 19 | $14,743 | $10,765 | $190,672 |
| 20 | $13,907 | $11,600 | $179,072 |
| 21 | $13,006 | $12,501 | $166,571 |
| 22 | $12,036 | $13,471 | $153,099 |
| 23 | $10,990 | $14,517 | $138,582 |
| 24 | $9,863 | $15,644 | $122,938 |
| 25 | $8,649 | $16,859 | $106,079 |
| 26 | $7,340 | $18,167 | $87,912 |
| 27 | $5,929 | $19,578 | $68,334 |
| 28 | $4,410 | $21,098 | $47,236 |
| 29 | $2,772 | $22,736 | $24,501 |
| 30 | $1,007 | $24,501 | $0 |
Showing 360 payments. Schedule assumes a fixed rate and constant home value for PMI cancellation.
Down payment scenarios in Delaware
| Down | Cash needed | PMI | Monthly |
|---|---|---|---|
| 3% | $11,400 | $169 | $3,027 |
| 5% | $19,000 | $165 | $2,970 |
| 10% | $38,000 | $157 | $2,829 |
| 15% | $57,000 | $148 | $2,687 |
| 20% | $76,000 | $0 | $2,406 |
| 25% | $95,000 | $0 | $2,273 |
Around the Delaware median price
| Home price | P&I | All-in monthly |
|---|---|---|
| $285,000 | $1,594 | $1,830 |
| $380,000 | $2,126 | $2,406 |
| $475,000 | $2,657 | $2,983 |
| $570,000 | $3,188 | $3,559 |
Detailed payment examples
FAQ
What is the average property tax rate in Delaware?
Delaware's effective property tax rate is about 0.57% of home value per year, which is $180 per month on a $380,000 home. Rates vary by county and by exemptions, so treat this as a planning estimate.
How much is homeowners insurance in Delaware?
A typical Delaware policy runs around $1,200 per year ($100 per month). Coastal and hail-prone areas can be significantly higher.
Is a $380,000 home affordable in Delaware?
At 7.50% with 20% down, the estimated all-in payment is $2,406 per month. Using the 28% rule that implies a household income near $103,000 per year before other debts.