Cost Of Living in Georgetown, DE

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B+

12%

Overall NAT. AVG.

7%

Groceries NAT. AVG.

21%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Georgetown	Delaware	National
Cost of living	112	107	100
Groceries	107	99	100
Health care	109	100	100
Housing	121	123	100
Transportation	110	99	100
Utilities	106	102	100
Lifestyle & Entertainment	111	102	100
Household Items	104	100	100
Education & Childcare	108	99	100

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Homes For Sale In Georgetown, DE

35732 E River Dr

Millsboro, DE

24815 Zoar Rd

Georgetown, DE

19438 Parsons Rd

Georgetown, DE

Bennum Switch Rd

, DE

Cost Of Living Quick Facts

The cost of living in Georgetown is 5% higher than the Delaware average
The cost of living in Georgetown is 12% higher than the national average
Georgetown housing is 21% higher than the national average
Delaware general sales tax is 100% lower than the national average
Delaware state income tax is 15% lower than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$94,303	$7,859	$2,200	$2,829
Renters	$57,384	$4,782	$1,339	$1,722

The affordability of the housing market in Georgetown, DE as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Georgetown homeowners, the median income is $94,303. This indicates that a monthly maximum of $2,200 should be spent by homeowners on all housing related costs. Renters have a median income of $57,384. This indicates that renters would have a maximum of $1,339 for their rent related monthly costs.

Delaware Sales Tax

State	General Sales Tax	With Max Surtax
Delaware	0%	0%

Delaware Income Tax

State	Income Tax (Low)	Income Tax (High)
Delaware	2.2%	6.6%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Long Neck, DE	2,953	90	9.5%
Farmington, DE	190	89	11.1%
Laurel, DE	4,430	100	0.1%
Blades, DE	1,161	101	1.3%
Ellendale, DE	774	96	3.9%
Georgetown, DE	7,641	112	11.7%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Ancient Oaks, PA	7,641	121	21.3%
Highland Heights, KY	7,638	89	11.0%
Tuttle, OK	7,636	96	4.3%
Old Town, ME	7,646	96	4.3%
Tappan, NY	7,646	161	61.2%
Georgetown, DE	7,641	112	11.7%