Baker County, Florida home prices
Typical home $314,146 · +3.4% in a year · property tax 0.64%
The typical home in Baker County is worth $314,146, 16% less than the Florida typical home ($375,361). Values changed +3.4% in the past year and +19.5% over five years. Homeowners here pay a median 0.64% of their home's value in property tax each year ($1,996 on the typical home), versus 0.8% statewide.
Mortgage on the typical Baker County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $62,829 | $251,317 | $1,691 | $0 | $323 | $2,014 | $86,300 |
| 10% down | $31,415 | $282,731 | $1,902 | $118 | $323 | $2,343 | $100,400 |
| 5% down | $15,707 | $298,438 | $2,008 | $124 | $323 | $2,455 | $105,200 |
| 3.5% down (FHA) | $10,995 | $308,456 | $2,075 | $139 | $323 | $2,537 | $108,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.64% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Florida · part of the Jacksonville metro area.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Gilchrist County | $306,253 | +2.4% | 0.65% |
| Hernando County | $306,116 | -1.7% | 0.67% |
| Jefferson County | $305,552 | +4.4% | 0.62% |
| Volusia County | $324,665 | -0.3% | 0.77% |
| Pasco County | $328,125 | -1.9% | 0.73% |
| Alachua County | $298,912 | -1.3% | 0.96% |
| Charlotte County | $298,906 | -3.3% | 0.85% |
| Polk County | $295,509 | -2.2% | 0.73% |
| Duval County | $294,079 | -0.3% | 0.75% |
| Lee County | $334,485 | -3.5% | 0.79% |
Frequently asked questions
What is the average home price in Baker County, FL?
The typical home value in Baker County is $314,146 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Baker County?
About $86,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Baker County?
The median effective rate is 0.64% of home value a year (Census ACS 2024 5-year estimates).