How your housing costs change when you relocate. Based on 2026 data with 10% down, 6.5% rate, 30-year fixed.
Your housing costs will increase by approximately $295 per month ($3,540/year) when you move from Pennsylvania to Delaware.
If you sell your median-priced Pennsylvania home ($280K) and buy in Delaware ($355K):
Your Pennsylvania equity covers the 20% down payment on a median Delaware home with $13K left over. That surplus can cover closing costs, moving expenses, or go into savings.
Over 10 years, this move costs you approximately $35K in housing costs alone.
Housing costs more in Delaware. The median home is 21% higher than in Pennsylvania — a $75K jump. You may need to adjust your expectations on square footage or location, or come with a larger down payment to keep your monthly costs manageable.
Good news on taxes: Delaware's 0.56% property tax rate is significantly lower than Pennsylvania's 1.36%. You'll save approximately $1,820 per year on property taxes, which adds up to $18K over a decade.
When you buy in Delaware, expect about $12K in closing costs (3.3% of purchase price). This includes a 4% transfer tax. Budget for this amount on top of your down payment.
Delaware's DSHA Homeownership Loan offers Up to 5% Preferred Plus. If you haven't owned a home in three years (or are buying in Delaware for the first time), you may qualify. Check eligibility requirements and income limits on Delaware's housing finance agency website.