Baker County, GA housing market

What this means

• Prices. Home values are up 2.1% over the past year (U.S.: +1.2%), but still 8% below their 2022-23 peak.
• Supply. Listings are 73% below the 2017-19 norm: still a tight market.
• Negotiating. Buyer leverage is low (28/100; U.S.: 54): homes typically sell at or above asking (100.0% of list) (as of May 2026); 67% of listings had a price cut (U.S.: 26%).
• Affordability. A mortgage on the typical home takes 23% of the median household income (U.S.: 35%); it takes about $35k a year to keep the payment at 30% of gross pay. That includes about $1,583 a year for home insurance (U.S.: $1,790).
• Disaster risk. FEMA expects about $264 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding. Flood isn't covered by standard homeowners insurance.
• Outlook. Leaning up: likely −6% to +10% over the next 12 months (69% chance of a rise).

Next 12 months

Leaning up

Prices are more likely to rise than fall over the next year. Likely change: −6.5% to +9.9% (80% range; middle estimate +3.0%), chance of a rise 69%, of a 5%+ drop 13%.

HouseVane's model, refit every month on local market signals and national ones, trained only on data known at the time. How accurate it has been.

ZIP codes in Baker County, GA