Baker County, Georgia home prices
Typical home $118,258 · +2.3% in a year · property tax 0.86%
The typical home in Baker County is worth $118,258, 64% less than the Georgia typical home ($329,115). Values changed +2.3% in the past year and — over five years. Homeowners here pay a median 0.86% of their home's value in property tax each year ($1,012 on the typical home), versus 0.77% 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 | $23,652 | $94,607 | $636 | $0 | $143 | $780 | $33,400 |
| 10% down | $11,826 | $106,433 | $716 | $44 | $143 | $904 | $38,700 |
| 5% down | $5,913 | $112,346 | $756 | $47 | $143 | $946 | $40,500 |
| 3.5% down (FHA) | $4,139 | $116,117 | $781 | $52 | $143 | $977 | $41,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.86% 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 Georgia.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Terrell County | $120,540 | +5.2% | 1.04% |
| Ben Hill County | $121,152 | -2.0% | 1.07% |
| Jefferson County | $114,572 | -3.6% | 0.96% |
| Quitman County | $122,648 | +10.1% | 0.77% |
| Warren County | $112,060 | +7.6% | 1.09% |
| Clinch County | $124,928 | +11.7% | 1.3% |
| Telfair County | $111,567 | +1.8% | 1.12% |
| Early County | $124,962 | +8.3% | 0.82% |
| Treutlen County | $125,938 | +2.2% | 0.71% |
| Dougherty County | $126,402 | +2.5% | 1.33% |
Frequently asked questions
What is the average home price in Baker County, GA?
The typical home value in Baker County is $118,258 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Baker County?
About $33,400 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 0.86% of home value a year (Census ACS 2024 5-year estimates).