Delaware County PA First-Time Home Buyer Guide (2026)

Buying your first home in Delaware County, Pennsylvania is one of the smartest moves you can make if you want easy access to Center City Philadelphia, public schools districts, and a wide range of price points. This 2026 guide walks first-time buyers through the entire process.

Welcoming Delaware County Towns for First-Time Buyers

Springfield, Drexel Hill, Havertown, Ridley Park, and Media Borough offer excellent value for first-time buyers. Each combines reasonable home prices, solid school districts, walkable downtowns, and easy commutes to Philadelphia.

Loan Programs for Delaware County First-Time Buyers

FHA loans (3.5% down), conventional loans (3% down), and PA Housing Finance Agency (PHFA) programs offer down payment assistance for qualified Delaware County buyers. Newtown Township and Marple offer public schools districts at more accessible price points than Radnor.

Property Taxes to Budget For

Delaware County has one of the higher effective property tax rates in the region — averaging 1.6% to 2.1%. Budget carefully and ask your agent for the exact tax bill on any home you're considering.

What to Expect at Closing

Closing costs in Pennsylvania typically run 2-5% of the purchase price. Budget for transfer taxes (1% in most PA municipalities, split between buyer and seller), title insurance, and lender fees. Your agent and settlement company will walk you through every document.