Delaware Sales Tax Calculator
Calculate sales tax in Delaware. The DE state sales tax rate is 0%. Add local rates for your total sales tax. Free calculator with instant results.
Delaware at a Glance
$340,000
Median Home Price
0.57%
Property Tax Rate
$1,200
Avg Home Insurance
$472,030
FHA Loan Limit
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Reviewed & Methodology
Every calculator is built using industry-standard formulas, validated against authoritative sources, and reviewed by a credentialed financial professional. State-specific data is sourced from official government publications.
Sales Tax Calculator in Delaware
The median home price in Delaware is $340,000, which is 19% below the national average of $420,000. Delaware's effective property tax rate of 0.57% is 0.53 percentage points lower than the national average of 1.1%.
| Metric | Delaware (DE) | National Avg | vs National Average |
|---|---|---|---|
| Median Home Price | $340,000 | $420,000 | -19% |
| Property Tax Rate | 0.57% | 1.1% | -0.53% |
| Home Insurance (Annual) | $1,200 | $2,300 | -48% |
| State Sales Tax | 0% | 5% | -5.0% |
| FHA Loan Limit | $472,030 | $472,030 | Standard |
| Conforming Loan Limit | $766,550 | $766,550 | Standard |
Homeownership in Delaware
Delaware punches above its size as a financial hub -- it's home to more corporations than any other state due to its business-friendly legal environment, but its residential market is shaped more by proximity to Philadelphia and the Delaware shore. With no state sales tax and a relatively low property tax rate of 0.57%, Delaware offers a genuinely low cost of ownership. The Wilmington metro has seen steady price growth, with the statewide median around $340,000.
Tips for Delaware Homebuyers and Homeowners
- Delaware has no sales tax, which makes large purchases like appliances, furniture, and building materials significantly cheaper than in neighboring Pennsylvania, New Jersey, or Maryland.
- The state's property tax is assessed at 100% of market value but the rates are low -- most counties run well under 1%, making effective ownership costs quite affordable relative to neighboring states.
- Delaware has a realty transfer tax of 4% (split equally between buyer and seller) -- this 2% buyer cost on a $340,000 home adds $6,800 to closing costs.
- Delaware's income tax tops out at 6.6% and there is a $2,000 standard deduction; however, Social Security income is fully exempt, making it attractive for retirees.
Delaware Programs and Assistance
- Delaware State Housing Authority (DSHA) Smart Start Program -- provides below-market rate FHA, VA, or USDA loans paired with down payment and closing cost assistance.
- DSHA Welcome Home Program -- offers moderate-income buyers an interest-free second loan for down payment assistance, forgivable after 10 years.
- Sussex County First-Time Homebuyer Program -- targets buyers in Sussex County with additional local assistance beyond the state-level programs.
Did you know? Delaware is one of only five states with no state sales tax, saving residents an estimated $1,000+ per year compared to the national average -- a meaningful benefit that compounds over years of ownership.