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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Delaware residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Delaware, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Hockessin, Delaware
- Payment to income ratio: 28.9%
- Median sale price: $650,806
- Median household income: $172,695
- Income needed to buy: $166,192
- Median monthly mortgage payment: $4,155
- See homes for sale in Hockessin on

#2. New Castle, Delaware
- Payment to income ratio: 29.5%
- Median sale price: $356,872
- Median household income: $92,565
- Income needed to buy: $91,132
- Median monthly mortgage payment: $2,278
- See homes for sale in New Castle on

#3. North Star, Delaware
- Payment to income ratio: 29.7%
- Median sale price: $648,971
- Median household income: $167,664
- Income needed to buy: $165,723
- Median monthly mortgage payment: $4,143
- See homes for sale in North Star on

#4. Glasgow, Delaware
- Payment to income ratio: 32.6%
- Median sale price: $466,824
- Median household income: $109,803
- Income needed to buy: $119,210
- Median monthly mortgage payment: $2,980
- See homes for sale in Glasgow on

#5. Wilmington Manor, Delaware
- Payment to income ratio: 33.5%
- Median sale price: $316,129
- Median household income: $72,346
- Income needed to buy: $80,728
- Median monthly mortgage payment: $2,018
- See homes for sale in Wilmington Manor on

#6. Bear, Delaware
- Payment to income ratio: 33.7%
- Median sale price: $391,002
- Median household income: $88,985
- Income needed to buy: $99,847
- Median monthly mortgage payment: $2,496
- See homes for sale in Bear on

#7. Pike Creek, Delaware
- Payment to income ratio: 33.9%
- Median sale price: $600,996
- Median household income: $135,703
- Income needed to buy: $153,472
- Median monthly mortgage payment: $3,837
- See homes for sale in Pike Creek on

#8. Claymont, Delaware
- Payment to income ratio: 34.4%
- Median sale price: $340,414
- Median household income: $75,808
- Income needed to buy: $86,929
- Median monthly mortgage payment: $2,173
- See homes for sale in Claymont on

#9. Middletown, Delaware
- Payment to income ratio: 36.4%
- Median sale price: $547,492
- Median household income: $115,252
- Income needed to buy: $139,809
- Median monthly mortgage payment: $3,495
- See homes for sale in Middletown on

#10. Pike Creek Valley, Delaware
- Payment to income ratio: 40.5%
- Median sale price: $496,620
- Median household income: $93,896
- Income needed to buy: $126,818
- Median monthly mortgage payment: $3,170
- See homes for sale in Pike Creek Valley on