The typical owner-occupied home in Seaford is worth about $224,300, 36% below the Delaware median of $352,000 and 33% below the national median of $332,700. Owners pay a median $1,151 a year in property taxes, about 0.51% of their home's value, close to the Delaware rate of 0.50%. The median household earns $54,016 a year, so the median home costs 4.2 times the median income (4.1 times for Delaware). 50% of occupied homes here are lived in by their owners, and 73% of those owners still have a mortgage.
Seaford at a glance
| Seaford | Delaware | U.S. | |
|---|---|---|---|
| Median home value | $224,300 | $352,000 | $332,700 |
| Median property tax paid per year | $1,151 | $1,768 | $3,119 |
| Property tax as a share of value | 0.51% | 0.50% | 0.94% |
| Median household income | $54,016 | $84,954 | $80,734 |
| Homes lived in by their owners | 50% | 73% | 65% |
| Owner homes with a mortgage | 73% | 64% | 61% |
| Median monthly costs, owners with a mortgage | $1,433 | $1,816 | $1,963 |
| Those costs as a share of the owners' income | 24.2% | 20.0% | 21.0% |
| Median rent | $1,176 | $1,401 | $1,413 |
| Rent as a share of renters' income | 31.4% | 29.9% | 30.6% |
| Median year homes were built | 1977 | 1987 | 1980 |
| Vacant homes | 10.0% | 13.4% | 10.1% |
| Population | 8,485 | 1,021,191 | 334,922,499 |
What a typical home costs per month in Seaford
At this week's average 30-year rate of 7.11%, buying the median Seaford home of $224,300 with 20% down costs about $1,396 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,770, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $59,824 for the 20%-down payment. That payment is 31% of the median Seaford household income of $54,016; at that income and 20% down, the 28% guideline points to a home of about $203,000.
The median rent here is $1,176 a month, so owning the median home costs about $220 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $44,860 |
|---|---|
| Loan amount | $179,440 |
| Principal and interest | $1,207 |
| Property taxes (0.51% a year) | $95 |
| Homeowners insurance (our estimate, 0.5% a year) | $93 |
| PMI | $0 |
| Total per month | $1,396 |
Change the numbers in the calculator
| Down payment | $7,850 |
|---|---|
| Loan amount | $220,237 |
| Principal and interest | $1,482 |
| Property taxes (0.51% a year) | $95 |
| Homeowners insurance (our estimate, 0.5% a year) | $93 |
| FHA mortgage insurance | $99 |
| Total per month | $1,770 |
Change the numbers in the calculator
Questions about home buying in Seaford
What is the median home value in Seaford?
About $224,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Seaford?
Homeowners pay a median $1,151 a year, which is about 0.51% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Seaford?
For the median home with 20% down at 7.11%, the payment is about $1,396 a month. Keeping that under 28% of gross income takes about $59,824 a year.
More about Seaford
- Mortgage Refinance in Seaford
- Debt Relief in Seaford
- Home Equity Loans in Seaford
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data