Delaware County, Pennsylvania: What It Costs to Buy a Home
The median home in Delaware County is worth $302,400, property taxes on it run about $6,001 a year (1.98%), the FHA loan limit is $630,200, and closing on it means about $6,048 in transfer tax plus $2,182 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $302,400 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $6,001 a year, 1.98% of value | Property tax page → |
| FHA loan limit (1 unit) | $630,200 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $6,048 (incl. Media Borough municipal realty transfer tax (Delaware County seat)) | Pennsylvania transfer tax page → |
| Title insurance on the median home | $2,182 owner's + $0 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $281 | Recording fees page → |
| Closing costs from these items | $8,511 | Closing costs page → |
| Area median income (HUD, family of 4) | $122,700; low-income limit $98,150 | Income limits page → |
Frequently asked questions
How much do homes cost in Delaware County?
The median owner-occupied home in Delaware County is valued at $302,400, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Delaware County?
The median Delaware County homeowner pays $6,001 a year in real estate taxes, about 1.98% of the median home value ($6,210 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Delaware County?
$630,200 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Delaware County?
On the $302,400 median home: transfer tax $6,048, title insurance $2,182 for both policies, recording fees about $281, about $8,511 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Delaware County?
HUD's FY 2026 median family income for Delaware County (Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA) is $122,700. A family of four counts as low income below $98,150 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Pennsylvania counties
- Crawford County $143,400
- Cumberland County $261,900
- Dauphin County $222,300
- Elk County $128,600
- Erie County $169,500
- Fayette County $126,900
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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