Baker
Housing Market
Median sale price $309,000, up 8.1% year over year, with homes going under contract in about 79 days, 8 homes on the market.
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Housing Market Analyst
Inventory sits at 10.7 months of supply — heavy by the 3-to-6-month balanced benchmark, and 47% of listed homes are already under contract. Prices are up 8.1% versus the prior year and sellers are still collecting 96.7% of asking. Taken together, the data points to a broadly balanced market where preparation decides who wins.
Who has leverage right now
Leverage scores are derived from the Momentum Score (supply, demand, speed, pricing power, and trend). Right now the data favors neither side decisively.
- Prices — heavy supply keeps the pressure on sellers; softening is the path of least resistance.
- Inventory — tightening over the tracked window; watch whether that holds through the season.
- Negotiating power — buyers gain ground as 47% of inventory sits under contract.
- Mortgage sensitivity — at 4.5× income, this market is moderately sensitive to rate moves; rate relief tends to show up in demand here quickly.
Derived from current Baker data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
One inventory number hides four different markets
Months of supply = active listings ÷ monthly sales pace, bucketing communities by their recent median. 3–6 months is the balanced band.
The read on Baker
The median sale price across Baker currently stands at $309,000, up 8.1% from a year ago. The typical home goes under contract in about 79 days. Sellers are capturing 96.7% of their original asking price on average.
There are 8 active listings on the market, with 6 more already under contract. At the current sales pace that works out to 10.7 months of supply — a buyer-leaning market by the standard six-month benchmark. 46 homes closed here over the trailing 12 months.
Baker prices sit below the Okaloosa County median by roughly 15%. Zillow's home value index for Okaloosa County stands at $356,683. About 25% of listings county-wide have taken a price cut — a useful gauge of seller flexibility.
Weighing supply, demand, speed, pricing power, and trend together, the Momentum Score for Baker is 53 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of September 15, 2026.
Baker since 2019 — and where it’s heading
A median home here sold for $347,119 in 2019 and $317,408 over the last recorded year — -9% appreciation across 7 years of recorded sales.
Median sale price · 2019–2026 (219 recorded sales)
Days on market by year
Home value trend · Okaloosa County (Zillow ZHVI)
For-sale inventory · county (Zillow)
Daily active vs pending · Okaloosa County (MLS)
Median price · daily recalculation
What’s driving Baker
Top inbound states: TX, CA, AL, NC. Movers arriving report ~$72,311 average income. Source: IRS SOI county-to-county migration, 2022-2023
1,101 Citizens policies in force in Okaloosa County — the state-backed insurer of last resort. Budget insurance into any Okaloosa purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026
987 single-family · 70 multi-family · 4.9 per 1,000 residents. Future supply pressure starts here. Source: U.S. Census Bureau, Building Permits Survey, 2025
The calls we’re making from today’s data
The sharpest 1-yr median swing among tracked communities. Thin samples can exaggerate swings — verify with a comp analysis before treating it as trend.
Both sides have a case: buyers should negotiate on days-on-market, sellers should lean on the under-contract rate. Preparation, not the market, decides who wins a balanced tape.
Generated from today’s data by Momentum’s analysis engine and reviewed on a rolling basis by our broker team.
How it stacks up across Okaloosa County
| Market | Median | Active | Score | |
|---|---|---|---|---|
| Baker ← this page | $309K | 8 | 53 | |
| Destin | $730K | 321 | 27 | Open → |
| Crestview | $322K | 187 | 59 | Open → |
| Fort Walton Beach | $365K | 94 | 65 | Open → |
| Niceville | $536K | 59 | 65 | Open → |
| Mary Esther | $320K | 55 | 55 | Open → |
Neighborhoods on the move
| Charlie Day EstatesBaker | $309K | ▲ -5% |
| Charlie Day EstatesBaker | $309K | ▼ 5% |
| Gator's LandingBaker | $295K | 6 |
| SOUTHERN DAY CHATEAUBaker | $313K | 61 days |
| Charlie Day EstatesBaker | $309K | 87 days |
Baker ZIP codes
Most active communities
More on Baker
Put this data to work
The questions people actually ask
Should I buy a house in Baker right now?
The data says conditions currently favor neither side decisively in Baker — the Momentum Score reads 53/100 with 10.7 months of supply. For buyers that means preparation over hesitation: well-priced homes still move fast, but there is more room to negotiate than a year ago. The right timing always depends on your rate, your equity, and how long you plan to stay — not just the market.
Is Baker becoming more affordable?
No — the median sale price in Baker is $309,000, up 8.1% versus the prior year, while sellers still capture 96.7% of asking price. Rising prices mean waiting has a cost; affordability hinges mostly on your rate.
Where are prices falling fastest in Baker?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are Charlie Day Estates (-5%). Note that community-level medians move on small sale counts — a few high- or low-end closings can swing them — so treat these as leads for a comp analysis, not verdicts.
Which Baker neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are SOUTHERN DAY CHATEAU (61 days); Charlie Day Estates (87 days) — homes there go under contract well ahead of the market-wide pace of 79 days.
How does Baker compare to the rest of Okaloosa County?
Baker's median of $309,000 runs 15% below the county-wide median of $365,000, and homes here take 79 days to go under contract versus 67 county-wide.
Baker housing market FAQ
How is the housing market in Baker right now?
As of September 15, 2026, the Baker housing market is roughly balanced: the median sale price is $309,000 (up 8.1% year over year), 8 homes are for sale against 46 sales in the last 12 months, which is 10.7 months of supply, and the typical home goes under contract in about 79 days.
How much is a house in Baker?
The median home sold for $309,000 in Baker over the last 12 months; asking prices on the 8 current listings run from well below to well above that, and the community pages linked below show what each neighborhood actually sells for.
Is it a good time to sell a house in Baker?
By the numbers, sellers in Baker are getting 96.7% of asking price and going under contract in about 79 days with 10.7 months of supply. Under four months of supply generally favors sellers; over six favors buyers. Whether it is a good time for you depends on what you paid and where you are going next, which is a conversation with an agent, not a chart.
What is the Baker housing market forecast?
Momentum Realty publishes the recorded trend, not a prediction: Baker median sale prices are up 8.1% year over year, inventory stands at 10.7 months of supply, and 47% of listings are under contract. The charts on this page update with every MLS refresh, so the direction shows up here before any forecast catches it.
What is the median home price in Baker?
The median sale price in Baker is currently $309,000, up 8.1% from a year ago, based on MLS sales data updated September 15, 2026.
Is Baker a buyer's or seller's market right now?
The data currently is roughly balanced. Baker scores 53 of 100 on the Momentum Score, with 10.7 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in Baker?
The typical home in Baker goes under contract in about 79 days, per current MLS data.
How many homes are for sale in Baker?
There are approximately 8 active listings in Baker as of September 15, 2026.
Are home prices in Baker rising or falling?
Median sale prices are up 8.1% year over year based on a rolling comparison of MLS sales.
Momentum agents use this intelligence every day to price listings and write winning offers across Baker. Talk through what the numbers mean for your move.
Every number on this page is computed directly from licensed Florida MLS feeds, recorded public sales, Zillow Research, and U.S. Census data — nothing is manually adjusted or estimated by hand. Medians use recorded closed sales; supply figures use live listing counts refreshed twice daily; the Momentum Score methodology is summarized .
Analyst oversight: Jon Brooks — Co-Founder, Momentum Realty · CEO, Momentum Research · Housing Market Analyst · methodology reviewed quarterly · Last data refresh: September 15, 2026 at 7:33 PM ET
Statistics on this page are computed automatically from licensed MLS feeds and public data sources (Zillow Research, U.S. Census Bureau) and summarized without manual review. Figures are estimates based on recent recorded activity, are deemed reliable but not guaranteed, and should be verified with a licensed agent before making decisions. This page does not constitute an appraisal or an automated valuation of any specific property. Momentum Realty is licensed in Florida and Georgia. Equal Housing Opportunity.