Baker, Florida.
Typical home $323,445 (+3.9% in a year). Crestview-Fort Walton Beach-Destin, FL metro.
to buy the typical home at today's mortgage rate — +$933 (+122%) since Jan 2020.
- 1 year
- Up $12,200 +4%
- $311,245$323,445 since Sep 2025
- 5 years
- Up $56,866 +21%
- $266,579$323,445 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Baker$1,698
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 18 years.
Typical home values in Baker, FL rose 3.9% over the past year — faster than the nation's +1.2%.
Living in Baker, Okaloosa County, Florida
The Census does not count Baker on its own, so the figures here are Okaloosa County's. Half the county's households earn more than $81,998 a year and half less; 9% of the county's people live below the poverty line. 68% of the county's homes are lived in by their owners and 32% are rented. Unemployment in Okaloosa County was 4.4% in August 2026, and the county had 0.2% fewer jobs in 2025 than the year before. The most people in Okaloosa County work in schools and health care, then professional services.
Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Baker is a small town in Okaloosa County in the Florida Panhandle. Across the county, most homes are lived in by their owners, and only a small share of residents live below the poverty line. Winters are cool and summers are hot, and the area gets a great deal of rain, much more than most of the country.
Work. Many residents work in schools, hospitals and social care, professional and business services, restaurants, hotels and entertainment, or retail shops. Jobs across Okaloosa County dipped slightly last year, and unemployment has edged up over the past year. Most adults do not hold a four-year degree, and few people work from home, so commuting is a regular part of daily life.
Things to do. The Baker Block Museum is a short drive away and is the closest place to visit. For time outdoors, Blackwater River State Park and the Yellow River are both a longer drive away, and they are good options for a day trip.
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- 85,411households
- 37.4median age
- 35%of adults have a degree
- 9%below the poverty line
- 26 mintypical commute
- 10%work from home
What people in Okaloosa County work in
Employed residents by industry, from the Census survey. Okaloosa County had 89,542 jobs in 2025, 0.2% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 63° and lows near 38°; warmest in July, with highs near 92° and lows near 71°. About 64 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Crestview Bob Sikes Airport weather station, 13 miles away (NOAA).
Largest employers in Okaloosa County
- Okaloosa County School District4,846
- HCA Florida Fort Walton-destin Hospital1,285
- Wal-mart Stores1,200
- Okaloosa County Board of County Commissioners1,109
- Publix Stores1,015
- Reliance Test & Technology770
- North Okaloosa Medical Center729
- Northwest Florida State College726
From Okaloosa County’s annual financial report for 2025, its schedule of principal employers (its source: “ONE OKALOOSA EDC”), as Florida’s Auditor General publishes it: the report. Employees as the report counts them.
Natural hazards
- LightningVery high
- HurricanesVery high
- TornadoesRelatively high
- Heat wavesRelatively moderate
- Inland floodingRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Okaloosa County, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Okaloosa County and the Crestview-Fort Walton Beach-Destin, FL metro.
Baker home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Baker$323,445
- Florida$375,361
- United States$366,157
Sellers are cutting prices on about 1 in 6 Baker listings — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Baker18.09%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Baker26
New listings per month
Sellers arriving at the market.
- Baker7
Zip codes with a Baker address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Baker — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.