19806 — New Castle County, Delaware Market Snapshot
Housing market data for zip code 19806 in New Castle County, Delaware. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$224,450
Days to Sell
44
Homes Sold
12
Inventory
20
Sale-to-List
98.6%
New Listings
24
Price/SqFt
$216
Pending Sales
18
Conforming Loan Available
Most homebuyers in 19806 can comfortably use conventional financing. The median home price of $224,450 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
19806's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 19806 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 19806 can comfortably use conventional financing. The median home price of $224,450 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 19806 are set at the county level.
2026 Loan Limits — New Castle County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $630,200 |
| 2 Units | $1,066,250 | $806,750 |
| 3 Units | $1,288,800 | $975,200 |
| 4 Units | $1,601,750 | $1,211,950 |
Affordability Snapshot — Zip 19806
To purchase the median home at $224,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,870.
Monthly Payment
$1,870
Income Required
$80,128
Principal & Interest
$1,383/mo
Down Payment (5%)
$11,223
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 19806.
Estimated Monthly Payment
$1,539
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