Moving to Baker, Florida: The 2026 Data Guide

As of 2026-09-13, the median home sold in Baker, Florida over the last 12 months went for $309,000 (59 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 87 days, and with 15 active listings against that sales pace the city is carrying roughly 3.1 months of supply. Sellers have been getting about 97% of their original asking price. That median is 23% below the median across Momentum’s Florida and Georgia coverage.

$309,000

Median sale (12 mo)

$2,104

Est. monthly cost to own

87 days

Days listed (median)

3.1

Months of supply

What your budget buys in Baker

Three price points from 50 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 (24 sales).
Around $309,000: the typical sale in this band was a 4-bed, 2-bath home of about None sq ft, built around 2025 (28 sales).
Around $356,300: the typical sale in this band was a 5-bed, 3-bath home of about None sq ft, built around 2025 (8 sales).

The real monthly cost of owning in Baker

Take the median $309,000 home with 20% down at today’s 6.76% 30-year rate: principal and interest run about $1,605/month. Okaloosa County’s typical total millage is 12.89 mills, so after the $50,000 homestead exemption the property tax is roughly $3,340/year ($278/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. All in, budget on the order of $2,104/month to own the median Baker home.

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	19	$309,000	87
Southern Day Chateau	15	$312,950	61
North Supergroup (221000.00)	6	$282,450	98
Gator's Landing	5	$294,900	55

Baker by ZIP code

Sales and medians by ZIP over the same 12 months: 32531 (46 sales, median $316,980).

What’s for sale: property types, new construction, and age of homes

Of the last 12 months of sales, 96% were single-family homes. The housing stock skews newer: 86% of homes sold were built in 2015 or later and 2% before 1980.

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 23% below the statewide median in our coverage
no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead

What to plan for

only about 3.1 months of supply, so choice is limited in the most popular price bands
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?

The median sale over the last 12 months was $309,000 (59 closings), about None per square foot. Among recent closings in our record a quarter sold under $289,900 and a quarter over $356,300.

What does it cost per month to own a home in Baker?

For the median $309,000 home with 20% down at 6.76%, roughly $2,104 per month including principal, interest, Okaloosa County property tax after the homestead exemption, insurance.

What are property taxes like in Baker?

Okaloosa County's typical total millage is 12.89 mills. On the median home that is about $3,340 a year for a new owner after the $50,000 homestead exemption; the assessment resets at purchase, so the seller's bill is not a guide.

Is Baker a buyer's or seller's market right now?

With about 3.1 months of supply and a median 87 days on market for current listings, conditions favor sellers.

Is there a lot of new construction in Baker?

New construction is a small share of Baker sales; most of the market is resale.

Does Florida have a state income tax?

No. Florida has no state income tax, including on retirement income, and the Save Our Homes cap limits how fast a homesteaded assessment can rise.

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.