19946 — Kent County, Delaware Market Snapshot
Housing market data for zip code 19946 in Kent County, Delaware. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$275,000
Days to Sell
63
Homes Sold
23
Inventory
29
Sale-to-List
99.0%
New Listings
41
Price/SqFt
$171
Pending Sales
28
Conforming Loan Available
Most homebuyers in 19946 can comfortably use conventional financing. The median home price of $275,000 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
With homes sitting for 63 days on average, 19946 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 19946 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 19946 can comfortably use conventional financing. The median home price of $275,000 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 19946 are set at the county level.
2026 Loan Limits — Kent County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 19946
To purchase the median home at $275,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,257.
Monthly Payment
$2,257
Income Required
$96,727
Principal & Interest
$1,694/mo
Down Payment (5%)
$13,750
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 19946.
Estimated Monthly Payment
$1,852
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 19946. Tell us what you're looking for.