Cost Research · Baymont Farms · Middletown

Four Seasons at Baymont Farms — True Cost 2026

New Castle County has Delaware’s highest property tax rate at approximately 0.75% — meaningfully higher than Kent County (0.47%) or Sussex coastal (0.43–0.56%). Here is what that means in dollars for Baymont Farms buyers, and how the total carrying cost compares across all three Delaware counties.

The New Castle County Tax Reality

Delaware’s three counties have materially different property tax rates. This is the most important cost fact for buyers comparing communities across the state, and it is almost never disclosed clearly by listing sites.

CountyApprox. Tax RateTax on $550K HomeMonthly Tax
New Castle County (Baymont Farms)~0.75%~$4,125/yr~$344/mo
Sussex County (coastal communities)~0.43–0.56%~$2,365–$3,080/yr~$197–$257/mo
Kent County (Noble’s Pond, Hatteras Hills)~0.47%~$2,585/yr~$215/mo
New Castle County buyers pay approximately $130–$150/month more in property tax than Sussex or Kent County buyers at the same purchase priceOn a $550K home, New Castle County property tax runs ~$344/month vs ~$215/month in Kent County — a $129/month difference, $1,548/year. This is the honest cost of the I-95 location premium. Delaware’s income tax advantages (Social Security exempt, $12,500/person pension exclusion, zero sales tax) apply equally in all three counties and do not offset this property tax difference.

Monthly Cost Scenarios

Entry — $500K

HOA fee (verify)~$250–$300/mo est.
Property tax (0.75%)~$313/mo
Insurance~$140–$185/mo
Utilities~$175–$240/mo
Total (ex-mortgage)~$878–$1,038/mo

Mid — $565K

HOA fee (verify)~$250–$300/mo est.
Property tax (0.75%)~$353/mo
Insurance~$160–$210/mo
Utilities~$185–$255/mo
Total (ex-mortgage)~$948–$1,118/mo

Upper — $650K

HOA fee (verify)~$250–$300/mo est.
Property tax (0.75%)~$406/mo
Insurance~$180–$240/mo
Utilities~$195–$270/mo
Total (ex-mortgage)~$1,031–$1,216/mo
Delaware’s income tax advantages still apply — and they are substantialA couple moving from Chester County, PA (income tax ~3.07% flat) to New Castle County Delaware saves approximately $3,000–$5,000/year in state income taxes on a $100K–$150K retirement income. Add Social Security exemption (~$2,000–$4,000/year), pension exclusion ($12,500/person), and zero sales tax (~$2,000–$4,000/year). Total annual income tax savings: $7,000–$13,000/year. The higher New Castle County property tax (~$1,500/year premium vs Kent County) does not offset this advantage.
Verify current HOA fee with K. Hovnanian Four Seasons at Baymont Farms directlyActive new construction community with evolving HOA structure. Confirm the current fee for your specific homesite before budgeting.

Related Pages

New Castle County vs Kent County vs Sussex

The three-county comparison is the most important calculation for Delaware buyers. We can help you run the numbers for your specific situation.

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