The typical owner-occupied home in Delaware County is worth about $445,500, 2.1 times the Ohio median of $214,800 and 34% above the national median of $332,700. Owners pay a median $7,132 a year in property taxes, about 1.60% of their home's value, higher than the Ohio rate of 1.31%. The median household earns $133,540 a year, so the median home costs 3.3 times the median income (3.0 times for Ohio). 79% of occupied homes here are lived in by their owners, and 71% of those owners still have a mortgage.
Delaware County at a glance
| Delaware County | Ohio | U.S. | |
|---|---|---|---|
| Median home value | $445,500 | $214,800 | $332,700 |
| Median property tax paid per year | $7,132 | $2,822 | $3,119 |
| Property tax as a share of value | 1.60% | 1.31% | 0.94% |
| Median household income | $133,540 | $71,389 | $80,734 |
| Homes lived in by their owners | 79% | 67% | 65% |
| Owner homes with a mortgage | 71% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $2,493 | $1,517 | $1,963 |
| Those costs as a share of the owners' income | 18.5% | 18.6% | 21.0% |
| Median rent | $1,492 | $1,034 | $1,413 |
| Rent as a share of renters' income | 26.0% | 28.3% | 30.6% |
| Median year homes were built | 2000 | 1970 | 1980 |
| Vacant homes | 4.6% | 8.1% | 10.1% |
| Population | 226,834 | 11,810,293 | 334,922,499 |
What a typical home costs per month in Delaware County
At this week's average 30-year rate of 7.11%, buying the median Delaware County home of $445,500 with 20% down costs about $3,177 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,919, 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 $136,164 for the 20%-down payment. That payment is 29% of the median Delaware County household income of $133,540; at that income and 20% down, the 28% guideline points to a home of about $437,000.
The median rent here is $1,492 a month, so owning the median home costs about $1,685 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $89,100 |
|---|---|
| Loan amount | $356,400 |
| Principal and interest | $2,398 |
| Property taxes (1.60% a year) | $594 |
| Homeowners insurance (our estimate, 0.5% a year) | $186 |
| PMI | $0 |
| Total per month | $3,177 |
Change the numbers in the calculator
| Down payment | $15,592 |
|---|---|
| Loan amount | $437,431 |
| Principal and interest | $2,943 |
| Property taxes (1.60% a year) | $594 |
| Homeowners insurance (our estimate, 0.5% a year) | $186 |
| FHA mortgage insurance | $197 |
| Total per month | $3,919 |
Change the numbers in the calculator
Questions about home buying in Delaware County
What is the median home value in Delaware County?
About $445,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Delaware County?
Homeowners pay a median $7,132 a year, which is about 1.60% 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 Delaware County?
For the median home with 20% down at 7.11%, the payment is about $3,177 a month. Keeping that under 28% of gross income takes about $136,164 a year.
More about Delaware County
- Mortgage Refinance in Delaware County
- Debt Relief in Delaware County
- Home Equity Loans in Delaware County
- 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