Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Delaware and Utah. Updated for 2026.
Utah wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. However, Delaware has a lower total cost when combining home price, closing costs, and insurance. Both states offer first-time buyer programs — explore the state pages for full details.
Estimated PITI payments assuming 10% down, 6.5% rate, 30-year fixed mortgage with PMI.
Buying in Delaware saves you approximately $816/month ($9,792/year) compared to Utah, based on median home prices with identical loan terms.
Delaware offers meaningfully lower home prices than Utah, with median prices running 26% less ($125K difference). This gap translates to both a smaller loan and lower monthly payments. First-time buyers priced out of Utah may find Delaware far more accessible, particularly when combined with local down payment assistance programs.
Property tax rates are similar in both states (Delaware: 0.56%, Utah: 0.58%), 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.
Closing costs are a one-time but significant expense. Delaware averages $12K in closing costs (3.3% of purchase price) while Utah averages $6K (1.3%). Much of Delaware's higher costs come from its 4% transfer tax, which adds $14K to the median home purchase. Budget for these upfront costs — they affect how much cash you need on hand at closing.
Both states offer down payment assistance for first-time buyers. Delaware's DSHA Homeownership Loan provides Up to 5% Preferred Plus, while Utah's UHC FirstHome Loan offers Up to 6% DPA second. 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 and Utah are broadly similar in housing costs, with only $816/month separating them in total PITI payments. In cases like this, your decision should be driven by lifestyle preferences — job opportunities, climate, proximity to family, and quality of life — rather than pure cost savings. Either state offers a reasonable path to homeownership.