The typical owner-occupied home in Baker County is worth about $119,500, 61% below the Georgia median of $303,300 and 64% below the national median of $332,700. Owners pay a median $1,023 a year in property taxes, about 0.86% of their home's value, higher than the Georgia rate of 0.77%. The median household earns $46,012 a year, so the median home costs 2.6 times the median income (3.9 times for Georgia). 77% of occupied homes here are lived in by their owners, and 24% of those owners still have a mortgage.
Baker County at a glance
| Baker County | Georgia | U.S. | |
|---|---|---|---|
| Median home value | $119,500 | $303,300 | $332,700 |
| Median property tax paid per year | $1,023 | $2,341 | $3,119 |
| Property tax as a share of value | 0.86% | 0.77% | 0.94% |
| Median household income | $46,012 | $77,353 | $80,734 |
| Homes lived in by their owners | 77% | 66% | 65% |
| Owner homes with a mortgage | 24% | 63% | 61% |
| Median monthly costs, owners with a mortgage | $1,096 | $1,783 | $1,963 |
| Those costs as a share of the owners' income | 22.9% | 20.0% | 21.0% |
| Median rent | $631 | $1,393 | $1,413 |
| Rent as a share of renters' income | 31.2% | 31.3% | 30.6% |
| Median year homes were built | 1978 | 1992 | 1980 |
| Vacant homes | 19.7% | 10.3% | 10.1% |
| Population | 2,790 | 10,940,407 | 334,922,499 |
What a typical home costs per month in Baker County
At this week's average 30-year rate of 7.11%, buying the median Baker County home of $119,500 with 20% down costs about $779 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $978, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $33,366 for the 20%-down payment. That payment is 20% of the median Baker County household income of $46,012; at that income and 20% down, the 28% guideline points to a home of about $165,000.
The median rent here is $631 a month, so owning the median home costs about $148 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $23,900 |
|---|---|
| Loan amount | $95,600 |
| Principal and interest | $643 |
| Property taxes (0.86% a year) | $86 |
| Homeowners insurance (our estimate, 0.5% a year) | $50 |
| PMI | $0 |
| Total per month | $779 |
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| Down payment | $4,182 |
|---|---|
| Loan amount | $117,336 |
| Principal and interest | $789 |
| Property taxes (0.86% a year) | $86 |
| Homeowners insurance (our estimate, 0.5% a year) | $50 |
| FHA mortgage insurance | $53 |
| Total per month | $978 |
Change the numbers in the calculator
Questions about home buying in Baker County
What is the median home value in Baker County?
About $119,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Baker County?
Homeowners pay a median $1,023 a year, which is about 0.86% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Baker County?
For the median home with 20% down at 7.11%, the payment is about $779 a month. Keeping that under 28% of gross income takes about $33,366 a year.
More about Baker County
- Mortgage Refinance in Baker County
- Debt Relief in Baker County
- Home Equity Loans in Baker County
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data