What your paycheck buys · Updated every Friday

What a paycheck buys in Delaware this week

Out of reach · #27 of 50 on affordability · rate for the week of October 22, 2026

A median Delaware household earning $99,800 a year can afford a home of about $315,000 at this week’s 7.32% average 30-year rate. The median Delaware listing is $484,998, which would take 43.1% of that household’s gross income, against the usual 28% ceiling.

$315,000

Affordable home price

+$2,077 vs. last week · +$17,693 vs. a year ago

$485,000

Median list price (September 2026)

±$0 vs. a year earlier

Affordability index (100 = within reach)

U.S. 66 · Delaware 61 a year ago

43.1%

Share of income the median listing takes

$3,584/mo incl. taxes & insurance · U.S. 42.5%

$100,000

Median household income (2025)

U.S. $87,000

#27

Rank of 50 (1 = most affordable)

See the full ranking

Compared with a year ago

A year ago, with the 30-year rate at 6.19%, a median list price of $484,998 and median income of $85,580 (2024 figure), the same household could afford about $297,000 and the median listing took 45.7% of income. Affordability in Delaware has improved since then.

Nearby in the ranking

#25 Alabama: can afford $216,000, median listing $325,000
#26 Georgia: can afford $259,000, median listing $390,000
#28 North Carolina: can afford $253,000, median listing $400,000
#29 New Jersey: can afford $352,000, median listing $560,000

Run your own numbers →

How this is calculated: 28% of gross monthly income for housing, 10% down, a 30-year fixed loan at Freddie Mac’s weekly average, and 1.45% of the price a year for taxes and insurance. Full method, caveats, and sources on the main index page. An educational gauge, not a mortgage quote.