Delaware Housing Affordability Index

Daily affordability score for Delaware compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score

Delaware

112.4

More Affordable Than Avg

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #17 of 51 states

vs. National Average +11.8 points

30-yr Rate Used 6.604%

Median Home Value $352,000

Median Household Income $84,954

View all state rankings →

Delaware Affordability Ranking

#17 of 51 states — April 10, 2026 More affordable than average

Most Affordable Least Affordable

More affordable than: 34 of 51 states (67%)

Less affordable than: 16 of 51 states (31%)

MBR-HAI Score: 112.4 vs. national 100.6 (+11.8 points)

Nearby States

↑ 14 more affordable states above

#15 NM 114.1

#16 OH 114.0

#17 Delaware ◀ 112.4

#18 PA 112.0

#19 MI 112.0

↓ 32 less affordable states below

Top 5 Most Affordable

#1 WV 139.9

#2 AR 131.2

#3 AL 129.8

#4 IA 129.6

#5 MS 126.3

Bottom 5 Least Affordable

#47 RI 90.6

#48 NY 89.3

#49 OR 89.2

#50 MA 87.2

#51 CA 81.5

View full 51-state rankings →

Delaware MBR-HAI — 90-Day Trend

Delaware

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — Delaware

$352,000

Median Home Value

U.S. median: varies by state

$84,954

Median Household Income

U.S. median: $80,734

4.1x

Price-to-Income Ratio

Home value ÷ income

$1,363/mo

Median Owner Costs

19.3% of income annually

$1,924/yr

Median Property Tax

0.55% effective rate

75.8%

Homeownership Rate

U.S. average: 65.7%

25.7%

Owner Cost Burden

% spending 30%+ of income on housing

6.604%

30-yr Mortgage Rate

State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How Delaware Ranks Among All States

#17

of 51 states

Least Affordable Most Affordable

Delaware is more affordable than 68% of U.S. states — More Affordable Than Avg

112.4

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 13 states →
14	South Carolina	114.8	More Affordable Than Avg
15	New Mexico	114.1	More Affordable Than Avg
16	Ohio	114.0	More Affordable Than Avg
17	Delaware You are here	112.4	More Affordable Than Avg
18	Pennsylvania	112.0	More Affordable Than Avg
19	Michigan	112.0	More Affordable Than Avg
20	Nebraska	111.2	More Affordable Than Avg
▼ See all 51 state rankings →

Showing states ranked near Delaware — April 10, 2026 • View complete national rankings →

Download Delaware HAI Data

Delaware History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-10,DE,112.4,100.6,6.604                

Download DE History (CSV)

All 51 States (CSV)

Compare Delaware to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings

See how Delaware ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

Delaware Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in Delaware.