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Mortgage Calculator &
Closing Costs: Newark, DE

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Newark, Delaware.

Median Home Price
$320K
Population
33K
Avg Monthly Rent
$1,420
Property Tax Rate
0.56%
Newark vs Delaware Median
The median home price in Newark is $320,000, which is 10% below the Delaware state median of $355,000.

Mortgage Calculator — Newark, DE

Pre-filled with Newark median home price and Delaware tax/insurance rates. Adjust for your property.

$
$64,000
%
%
years
DE avg
%
$
Monthly Payment (PITI)
$1,875
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,618
per month
Taxes & Insurance
$257
per month
Total Interest Paid
$327K
over 30 years
Total Loan Cost
$583K
all payments
Payment Breakdown
Loan Amount$256,000
Principal & Interest$1,618
Property Taxes$149
Homeowners Insurance$108
Total Monthly PITI$1,875

Closing Costs — Newark, DE

Estimated closing costs based on Delaware rates and fees applied to Newark prices.

$
%
Delaware: Avg closing costs 3.3% of price. Transfer tax: 4%.
Estimated Closing Costs
$21,761
6.8% of purchase price
Lender Fees
$2,729
origination, underwriting
Third-Party
$3,050
appraisal, title, inspection
Government Fees
$12,800
transfer taxes, recording
Prepaids + Escrow
$3,182
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,304
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,900
Recording Fee$150
Transfer Tax$12,800
Prepaid Taxes (3 mo)$448
Prepaid Insurance (12 mo)$1,300
Prepaid Interest (15 days)$769
Escrow Reserves$665
Total Closing Costs$21,761

Buying a Home in Newark, Delaware

The median home price in Newark is $320,000, 10% below the Delaware state median of $355,000. With a population of 33,398, Newark is a smaller market where home prices tend to be more accessible than in many parts of Delaware.

Property taxes in Delaware average 0.56% annually. This low property tax rate is a significant advantage for Newark buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Delaware runs approximately $1,300 per year. This is within the normal range nationally.

Average rent in Newark is $1,420/month. The price-to-rent ratio in Newark is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Newark presents moderate affordability. The $320K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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