Mortgage Rates in Highland Acres, Delaware — March 2026
Updated March 2026 | Based on Highland Acres market data and regional lending conditions
Highland Acres is a smaller Delaware community of 24,494 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.64% (0.01% below the national average). At a median home price of $275,000, the estimated $1,514/month payment (with 20% down) is affordable on the local median income of $78,000.
Current Mortgage Rates in Highland Acres, DE
Below are the current average mortgage rates available in the Highland Acres area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.64% | 6.65% | -0.01% |
| 15-Year Fixed | 5.9% | 5.89% | +0.01% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.45% | 6.25% | +0.2% |
| VA | 6.2% | 6.05% | +0.15% |
| Jumbo | 6.89% | 6.85% | +0.04% |
Highland Acres Housing Market Overview
At $275,000, Highland Acres offers more affordable housing than most U.S. metros. The local cost of living index is 98.9 (100 = national average), and the median household income of $78,000 provides comfortable purchasing power in this market.
Monthly Payment Breakdown for Highland Acres
Based on the median home price of $275,000 with 20% down ($55,000), here is what you can expect to pay monthly in Highland Acres:
15-Year vs. 30-Year Mortgage in Highland Acres
Choosing a 15-year mortgage in Highland Acres at 5.9% instead of a 30-year at 6.64% would save you $175,860 in total interest over the life of the loan. However, your monthly payment would be $1,845 instead of $1,411 — an increase of $434 per month.
Calculate Your Highland Acres Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Highland Acres
What are the current mortgage rates in Highland Acres, DE?
As of March 2026, the average 30-year fixed mortgage rate in Highland Acres, Delaware is 6.64%, while the 15-year fixed rate is 5.9%. FHA loans average 6.45% and VA loans 6.2%. These rates are 0.01% below the national average of 6.65%.
How much is a monthly mortgage payment in Highland Acres?
Based on the median home price of $275,000 with 20% down, the estimated monthly mortgage payment in Highland Acres is $1,411 for principal and interest. Including property taxes of $103/month, the total monthly housing cost is approximately $1,514.
What income do I need to buy a home in Highland Acres?
Using the 28% rule, you would need an annual income of approximately $64,886 to afford the median-priced home in Highland Acres at $275,000. The median household income in Highland Acres is $78,000. The median income is currently sufficient to meet this threshold.
Is Highland Acres a good place to buy a home in 2026?
Highland Acres offers a below-average cost of living with a cost of living index of 98.9 (national average = 100). The property tax rate in Delaware is 0.45%, which is below the national average. Highland Acres has a population of 24,494 and offers a balanced lifestyle.
Mortgage Rates in Other Delaware Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Highland Acres, Delaware area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.