In Delaware, a typical home is worth $318,400 and typical rent is $1,286 a month. Compared with all of Delaware County, the typical home value is 29% lower, typical household income is 25% lower, and the share of households that own their home is 14 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $338,926 to $413,190.
Typical rent
$1,622a month
▲ 1.9% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,264 to $1,622.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Delaware is in Delaware County. The FHA loan limit ($591,100 for a one-unit home), the fair market rents and the help on this page are those of all of Delaware County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Delaware is worth $318,400,29% less than in Delaware County as a whole ($445,500).
2
65% of households in Delaware own their home, against 79% in Delaware County.
3
The typical household income in Delaware is $99,786,25% less than in Delaware County as a whole ($133,540).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Delaware
What homes there are in Delaware, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Delaware
Delaware County
Ohio
United States
Kind of home: Delaware and its comparisons
Measure
Delaware
Delaware County
Ohio
United States
Detached house
63%
74%
69%
61%
Attached house
8%
7%
5%
6%
Building of 2 to 4
12%
5%
8%
8%
Apartments (5 or more)
15%
12%
15%
19%
Mobile home
Unreliable estimate
2%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Delaware (63%), but less so than in Delaware County (74%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Delaware
Delaware County
Ohio
United States
Year built: Delaware and its comparisons
Measure
Delaware
Delaware County
Ohio
United States
Before 1960
22%
10%
38%
26%
1960–1979
14%
9%
26%
24%
1980–1999
23%
30%
20%
25%
2000–2009
17%
27%
10%
14%
2010 or later
24%
24%
7%
11%
Homes in Delaware are older: the typical year built is 1995; in Delaware County, 2000.
There are fewer big homes in Delaware than in Delaware County: 64% have 3 bedrooms or more, against 74%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K6%
$100K–$200K13%
$200K–$300K26%
$300K–$500K44%
$500K–$750K11%
FHA limit: $591,100
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Delaware and its comparisons
Measure
Delaware
Under $100K
6%
$100K–$200K
13%
$200K–$300K
26%
$300K–$500K
44%
$500K–$750K
11%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
About 93% of owner-occupied homes in Delaware are worth less than the FHA loan limit for Delaware County ($591,100).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99918%
$1,000–$1,49944%
$1,500–$1,99924%
$2,000–$2,4997%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Delaware and its comparisons
Measure
Delaware
Under $500
Unreliable estimate
$500–$999
18%
$1,000–$1,499
44%
$1,500–$1,999
24%
$2,000–$2,499
7%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,892 a month
Delaware County: $2,493 a month
Without a mortgage
$734 a month
Delaware County: $986 a month
Owners with a mortgage
71%
Delaware County: 71%
Owning costs less in Delaware: with a mortgage, the typical cost is $1,892 a month; in Delaware County, $2,493. Without one, $734.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Delaware+70%
Delaware County+44%
Ohio+47%
United States+53%
Typical rent
Delaware+38%
Delaware County+40%
Ohio+28%
United States+33%
Typical household income
Delaware+44%
Delaware County+25%
Ohio+26%
United States+29%
Change since 2015–2019: Delaware and its comparisons
Measure
Delaware
Delaware County
Ohio
United States
Typical home value
+70%
+44%
+47%
+53%
Typical rent
+38%
+40%
+28%
+33%
Typical household income
+44%
+25%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Delaware rose 70%; in Delaware County, it rose 44%.
Much as in Delaware County, the typical rent in Delaware rose 38% since 2015–2019.
To compare: typical income in Delaware rose 44%; the home, +70%; the rent, +38%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Delaware and its comparisons
Measure
Delaware
Delaware County
Ohio
United States
Rental vacancy
Unreliable estimate
3.0%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.1%
1.5%
3.4%
People per household
2.57
2.73
2.37
2.53
Drive alone
72%
68%
75%
69%
Carpool
5%
4%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
3%
1%
2%
3%
Work from home
19%
26%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Delaware are smaller: 2.57 people on average; in Delaware County, 2.73.
The car rules in Delaware: 72% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Delaware?
A typical home is tight for the typical income
We start with a typical home in Delaware, worth $318,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Delaware, which is $99,786 a year. For that payment to be 28% of income, a household would need to earn about $117,953 a year.
The calculator's FHA and conventional loan limits are those of all of Delaware County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Delaware. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $11,144 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,752
at 7.18% · 30 years
Loan amount
$312,633
Total interest
$449,806
Paid off in
November 2056
Includes $5,377 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,328 a month
Tight
$2,328 to $2,994 a month
Your payment · 33%
Hard
more than $2,994 a month
Compared with the typical household income in Delaware ($99,786 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,118
Property tax
$361
Home insurance
$133
FHA mortgage insurance (MIP)
$141
You need at least $11,144 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,752; principal and interest $2,118.
The city and its county
Delaware and Delaware County
Delaware is in Delaware County, Ohio. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Delaware
Map of Delaware County, Ohio, with Delaware marked. Around it, the neighboring counties.
Delaware
Delaware County
Other cities with a page
Delaware's own numbers
Typical home value
$318,400
Typical monthly rent
$1,286
Typical yearly household income
$99,786
Households that own their home
65%
Effective property tax rate
1.36%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Delaware County
FHA limit, one-unit home
$591,100
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,602
Price change over 5 years (FHFA)
+58%
Homes in a high flood-risk zone
0.4%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Delaware County.
A typical home in Delaware is worth $318,400: 29% below the county and 48% above Ohio. With the typical household income in Delaware ($99,786 a year), a typical home costs 3.2 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Delaware3.2 years
County3.3 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Delaware County
According to FHFA’s house price index, home prices in Delaware County rose 100% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Delaware County.
Yearly change in FHFA’s price index in Delaware County, 2016 to 2025
2016: +5.6% +5.6% 2016
2017: +6.7% +6.7% 2017
2018: +4.1% +4.1% 2018
2019: +4.7% +4.7% 2019
2020: +2.7% +2.7% 2020
2021: +11.0% +11.0% 2021
2022: +17.5% +17.5% 2022
2023: +9.1% +9.1% 2023
2024: +4.7% +4.7% 2024
2025: +6.3% +6.3% 2025
Change in FHFA’s price index in Delaware County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+6.3%
+4.8%
+2.9%
5 years (2020–2025)
+58%
+53%
+47%
10 years (2015–2025)
+100%
+93%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Delaware next to Delaware County, Ohio and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Delaware$318,400
County$445,500
Ohio$214,800
United States$332,700
Typical monthly rent
Delaware$1,286
County$1,492
Ohio$1,034
United States$1,413
Typical yearly household income
Delaware$99,786
County$133,540
Ohio$71,389
United States$80,734
See the full table
Delaware next to Delaware County and Ohio
Measure
Delaware
Delaware County
Ohio
U.S.
Typical home value
$318,400 ▼29% below the county
$445,500
$214,800
$332,700
Typical monthly rent
$1,286 ▼14% below the county
$1,492
$1,034
$1,413
Typical yearly household income
$99,786 ▼25% below the county
$133,540
$71,389
$80,734
Households that own their home
65% ▼14 points below the county
79%
67%
65%
Typical yearly property tax
$4,326 ▼39% below the county
$7,132
$2,822
$3,119
Effective property tax rate
1.36% ▼0.24 points below the county
1.6%
1.31%
0.94%
Renters with high rent for their income
44% ▲2 points above the county
42%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Delaware County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Delaware
For a typical $318,400 home in Delaware, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Delaware's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,752a month
Least cash to close
Down payment
$11,144
Cash to close
$20,696
Rate
7.18%
Mortgage insurance
FHA MIP · $141
Conventional, 5% down$2,694a month
Down payment
$15,920
Cash to close
$25,472
Rate
7.18%
Mortgage insurance
PMI · $151
Conventional, 20% down, no PMI$2,219a month
Down payment
$63,680
Cash to close
$73,232
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,513a month
Down payment
$47,760
Cash to close
$57,312
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Delaware
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,752
$11,144
$312,633
7.18%
FHA MIP · $141
$20,696
580
Conventional, 5% down
$2,694
$15,920
$302,480
7.18%
PMI · $151
$25,472
620*
Conventional, 20% down, no PMI
$2,219
$63,680
$254,720
7.18%
None
$73,232
620*
ITIN, 15% down (example)
$2,513
$47,760
$270,640
8.18%
None
$57,312
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Delaware is $1,286 a month: 14% below the county. In Delaware, 44% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Delaware County, by unit size. To pay the 2-bedroom one ($1,602 a month) without spending more than 30% of your income, you would need to earn $30.81 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Delaware County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,258
$24.19
$50,320
1 bedroom
$1,346
$25.88
$53,840
2 bedrooms
$1,602
$30.81
$64,080
3 bedrooms
$1,909
$36.71
$76,360
4 bedrooms
$2,172
$41.77
$86,880
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Delaware
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Delaware is in ZIP code 43015.
For 2 bedrooms it is $1,610: $8 more than the fair market rent for Delaware County ($1,602).
Fair market rent by ZIP code and size in Delaware, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
43015
$1,260
$1,350
$1,610
$1,920
$2,180
ZIP code2 bd3 bd
43015 $1,610$1,920
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Delaware when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Delaware County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Delaware or Delaware County. The ones below are statewide in Ohio: they work in Delaware the same as in the rest of the state.
Ohio state agency help of 2.5% or 5% of the price for the down payment, closing costs or other costs before closing, forgiven after seven years; if you sell sooner, you repay all of it.Offered by Ohio Housing Finance Agency (OHFA).
Ohio state agency certificate that turns part of your mortgage interest into a credit on your federal tax return, up to $2,000 a year: 40% with an OHFA mortgage (MTC Plus) or 15% to 20% with another mortgage (MTC Basic).Offered by Ohio Housing Finance Agency (OHFA).
No legal help resource on our list is for Delaware or Delaware County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Delaware and all of Delaware County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Delaware?
The typical home value in Delaware is $318,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Delaware County it is $445,500.
How much does it cost to rent in Delaware?
Typical rent in Delaware is $1,286 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Delaware County is $1,602.
What is the FHA loan limit in Delaware?
Delaware uses the FHA limit for all of Delaware County (2026): $591,100 for a one-unit home and $1,136,750 for a four-unit home.
How much property tax do owners pay in Delaware?
The typical homeowner in Delaware pays $4,326 a year, according to the U.S. Census Bureau. That is 1.36% of the home’s value; in Delaware County, the rate is 1.6%.
Where can I find free help to buy or rent in Delaware?
We found no HUD-approved counseling agencies with an office in Delaware County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
