Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between California and Delaware. Updated for 2026.
California and Delaware are evenly matched across major housing cost categories. Your decision may come down to other factors like job market, climate, or lifestyle preferences. Use the calculators below to model your specific scenario.
Estimated PITI payments assuming 10% down, 6.5% rate, 30-year fixed mortgage with PMI.
Buying in Delaware saves you approximately $2,994/month ($35,928/year) compared to California, based on median home prices with identical loan terms.
There's a dramatic price gap between these two states. Homes in Delaware cost 55% less than in California — that's a difference of $430K on the median home. For buyers relocating from California to Delaware, this can mean upgrading significantly or pocketing substantial savings. The equity you've built in a California home could fund a much larger down payment in Delaware, potentially eliminating PMI and reducing your monthly payment dramatically.
Property tax rates are similar in both states (California: 0.73%, Delaware: 0.56%), so taxes shouldn't be the deciding factor in your relocation decision. Instead, focus on differences in home prices, insurance costs, and state-specific programs. Both states collect roughly comparable property tax revenue relative to home values.
Insurance costs favor Delaware at $1,300/year versus $2,200/year in California, a difference of $900 annually. While not the largest cost factor, this adds up to over $9K over a decade of homeownership. Shop multiple carriers in either state — actual premiums depend on your specific property, coverage level, and claims history.
Both states offer down payment assistance for first-time buyers. California's CalHFA Dream For All provides Up to 20% shared appreciation loan, while Delaware's DSHA Homeownership Loan offers Up to 5% Preferred Plus. These programs can significantly reduce your upfront costs and make homeownership accessible even if you haven't saved a full 20% down payment. Check eligibility requirements on each state's housing finance agency website — income limits and purchase price caps apply.
The bottom line: Delaware homes cost $430K less than California on average. That translates to roughly $2,994 less per month in total housing costs if you choose Delaware. For most buyers, this price gap is the single biggest factor — it affects your loan size, monthly payment, and how quickly you build equity.