Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$314,146+3.4% YoY · prices are rising fast
Market right nowBalanced, leaning buyersMore homes for sale than last year, 28% have cut their price
Income needed to buy, per year$68,100About 0.9× the local median income ($78,227): affordable for a typical household
Days on market80 daysSlower than a year ago: buyers have time to negotiate
Next 12 months−0.5%Zillow expects prices to stay about flat
The typical home in Baker County, FL is worth $314,146, up 3.4% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $297,917, so the area is 5.4% overvalued. It is a balanced market, leaning toward buyers: homes take about 80 days to sell, listings are up 9% from a year ago, 28% of listings have had a price cut. Zillow expects prices to fall about 0.5% over the next year. A household needs about $68,100 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $78,227. Typical rent is $1,850 a month, or $2,285 for a house. In the latest IRS figures, 401 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$314,146
Change in 1 year
+3.4%
Overvalued %
+5.4%
Show 7 more
Fair home value
$297,917
Change in 5 years
+19.5%
Zillow forecast, next 12 months
−0.5%
Home value to income
4.0×
Monthly mortgage payment (20% down)
$1,703
Income needed to afford it
$68,100
Property tax rate
0.64%
Rent and investing
Typical rent
$1,850
Typical rent for houses
$2,285
Price-to-rent ratio
14.2×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,110
Gross rental yield
7.07%
Cap rate (estimate)
4.59%
Market activity
Listings vs a year ago
+9.0%
Days on market
80
Listings with a price cut
27.5%
Show 3 more
Homes for sale
73
Pending sales per 100 listings
26
Asking price per sq ft
$198
People and jobs
Median household income
$78,227
Population change (1 year)
+0.8%
Unemployment rate
4.5%
Show 4 more
Population
29,737
Income adjusted for cost of living
$78,620
Net moves in (IRS)
+401
Cost of living (US = 100)
99.5
Schools, risk and environment
School rating (1 to 10)
6.7
FEMA hazard risk score (0 to 100)
13.3
Unhealthy air days a year
2
Show 4 more
Flood risk score
22.7
Wildfire risk score
76.2
Walkability (1 to 20)
5.2
Road, rail and air noise
50 dB
Questions people ask
Is Baker County, FL overvalued?
Home prices in Baker County, FL are slightly above what local incomes have historically supported: fair value is about $297,917, so the area is 5.4% overvalued.
Is Baker County, FL a buyer's or seller's market?
Baker County, FL is a balanced market, leaning toward buyers: homes take about 80 days to sell, listings are up 9% from a year ago, 28% of listings have had a price cut.
Are home prices going down in Baker County, FL?
Home values in Baker County, FL are up 3.4% over the last year. Zillow's forecast for the next 12 months is −0.5%.
How much do you need to earn to buy a home in Baker County, FL?
A household needs about $68,100 a year to afford the typical home in Baker County, FL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $78,227.