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Dover city, DE

ZIP 19904 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 19904

Median Home Value
$281,000
Median Rent
$1,130
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,805/mo PITI).

20%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

20.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 19904 in Dover city, DE, a household would need roughly $77,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,805. That is about 15% above the local median household income ($66,885), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
62.0%-5% vs US avg
x
Vacancy Rate
7.9%-23% vs US avg
x
Broadband Access
91.9%+6% vs US avg
x
4+ Bedrooms
4.8%-68% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
27.2%-45% vs US avg
x
Mortgage-Free
29.4%-23% vs US avg
x
$281,000
Home Value
$1,130
Rent
1990
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached56.2%
  • 1-unit attached10.1%
  • 2-9 units10.7%
  • 10+ units15.5%
  • Mobile home & other7.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$281,000
Median rent$1,130
Owner-occupied62.0%
Vacant7.9%
Price-to-income4.2x
Est. income to buy$77,000