Moving to Baker, Florida: The 2026 Data Guide
As of 2026-11-14, the median home sold in Baker, Florida over the last 12 months went for $298,000 (16 closings across 16 communities in Momentum’s MLS record), about None per square foot for a median None-sq-ft home built around 2025. Homes currently listed have been on the market a median of 98 days, and with 12 active listings against that sales pace the city is carrying roughly 9.0 months of supply. Sellers have been getting about 100% of their original asking price. That median is 26% below the median across Momentum’s Florida and Georgia coverage.
Baker right now — November 2026
Live pages for your move: 19 homes for sale in Baker · New construction · Homes by ZIP (1 ZIPs) · Property tax · Okaloosa County homes for sale.
MLS closed sales and live inventory, Momentum Research; refreshed nightly. Updated November 14, 2026.
What your budget buys in Baker
Three price points from 51 recent Baker closings in our record, each showing what actually closed within 10% of that price:
- Around $289,900: the typical sale in this band was a 4-bed, 2-bath home of about None sq ft, built around 2025 (26 sales).
- Around $298,000: the typical sale in this band was a 4-bed, 2-bath home of about None sq ft, built around 2025 (31 sales).
- Around $349,900: the typical sale in this band was a 5-bed, 3-bath home of about None sq ft, built around 2025 (15 sales).
The real monthly cost of owning in Baker
Take the median $298,000 home with 20% down at today’s 7.11% 30-year rate: principal and interest run about $1,604/month. Okaloosa County’s typical total millage is 12.89 mills, so after the $50,000 homestead exemption the property tax is roughly $3,198/year ($266/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Okaloosa County is about $2,644/year; private-market quotes vary with roof age and wind mitigation. 75% of current Baker listings carry an HOA, with a median of $50/month where one applies. All in, budget on the order of $2,141/month to own the median Baker home including a typical HOA.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Okaloosa County property tax guide and our home insurance by county map.
Where people are buying: Baker’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| Charlie Day Estates | 12 | $312,400 | — |
| Southern Day Chateau | 10 | $313,975 | — |
| Gator's Landing | 7 | $297,900 | 145 |
| North Supergroup (221000.00) | 6 | $282,450 | 98 |
Baker by ZIP code
Sales and medians by ZIP over the same 12 months: 32531 (49 sales, median $315,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 98% were single-family homes.
Getting around from Baker
Measured from the center of Baker’s recent sales: Pensacola is about 40 miles; Panama City is about 74 miles; Tallahassee is about 145 miles; Columbus, GA is about 154 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
School assignments change; check the Okaloosa County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Okaloosa County’s typical millage of 12.89; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Okaloosa County average of $2,644/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Baker: the case for and against
What works in Baker’s favor
- prices run 26% below the statewide median in our coverage
- about 9.0 months of supply gives buyers room to negotiate
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- listings sit a median of 98 days, which favors buyers on price but signals a slower market
- 75% of listings carry an HOA (median $50/month)
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Baker relocation toolkit
Common questions about moving to Baker
How much does a house cost in Baker, FL?
What does it cost per month to own a home in Baker?
What are property taxes like in Baker?
Is Baker a buyer's or seller's market right now?
Is there a lot of new construction in Baker?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Baker communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Okaloosa County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.