Moving from Pennsylvania
Crossing the state line? Here’s the honest math.
Delaware is cheaper for a lot of people, but not for everyone. Here’s what actually changes.
One agent, both sides of the line.
I’m licensed in Delaware and Pennsylvania, so I can sell your Pennsylvania home and help you buy here, on one timeline.
Side by side
| Pennsylvania | Delaware | |
|---|---|---|
| Sales tax | 6% (8% in Philadelphia) | None |
| Property tax | About 1.5% of value per year | About 0.5–0.6% per year |
| Income tax | 3.07% flat, plus local earned income tax | Graduated, up to 6.6% |
| Transfer tax | 1% state, plus local (usually about 2% total) | Up to 4% (2.5% state, up to 1.5% local) |
| Inheritance tax | Yes | None |
Green: where Delaware usually comes out ahead. Statewide figures; rates vary by town.
Who tends to come out ahead
Homeowners, especially at higher prices
Annual property taxes are often a fraction of a comparable Pennsylvania home’s, and the gap grows with the price.
Philadelphia residents
Leaving the city wage tax and the 8% sales tax changes the picture more than any state-level number.
Run the numbers carefully if…
You’re a high earner, since Delaware’s income tax is higher, or retired, since Pennsylvania doesn’t tax most retirement income.
Still close to Philly
By train
SEPTA regional rail and Amtrak from Wilmington; SEPTA also stops in Claymont and Newark.
By car
I-95 and Route 202 connect North Wilmington to Delaware County and Chester County.
Coming from Delaware County or Chester County? Brandywine Hundred, Claymont and Greenville keep you minutes from the line.
General information, not tax advice. Tax rates change; talk to a tax professional about your situation. New Castle County recently reassessed all properties, so check a specific home’s current tax bill.
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