Baker County loan limits
Baker County has a higher FHA limit than most Florida counties because local home prices run higher. On a single-family home that's $580,750, enough for a price up to about $601,000 with 3.5% down.
| Home | FHA limit | Conforming limit |
|---|---|---|
| Single-family | $580,750 | $832,750 |
| Duplex | $743,450 | $1,066,250 |
| Triplex | $898,700 | $1,288,800 |
| Fourplex | $1,116,850 | $1,601,750 |
These are the limits for the 2026 limit year from HUD and the Federal Housing Finance Agency. They update on this page on their own when the agencies post new ones. VA has no loan limit for a veteran with full entitlement. Look up any county.
What Baker County buyers can reach by income
Housing programs measure income against the area's median. The rows below start at 60% of Baker County's median household income of $79,836 and run to 150%, each with a $400 car payment, a 650 credit score and $10,000 saved, at a 5.75% rate on a 30-year fixed loan, with property taxes at 0.74% of the price a year and $283 a month for homeowners insurance.
| Share of median | Income before taxes | Top price | With |
|---|---|---|---|
| 60% | $3,992 a month $47,904 a year | $235,000 | FHA |
| 80% | $5,322 a month $63,864 a year | $325,000 | FHA 100% financing |
| 100% | $6,653 a month $79,836 a year | $417,000 | FHA 100% financing |
| 120% | $7,984 a month $95,808 a year | $509,000 | FHA 100% financing |
| 150% | $9,980 a month $119,760 a year | $601,000 | FHA 100% financing |
Even the $9,980-a-month household stays about $1,000 under what Baker County's FHA limit allows with 3.5% down, so income sets the price here long before the loan limit does. Where a row switches to FHA 100% financing, $10,000 no longer covers 3.5% down at that price, and the assistance second picks up the down payment.
Baker County by the Census numbers
The Census Bureau puts Baker County's median household income at $79,836 a year, the median owner-occupied home at $256,700 and the median rent at $1,302 a month. About 85.1% of homes in the county are owner-occupied. Here is what the QualRate calculator does with those numbers.
- A household at the median income, with a $400 car payment, a 650 score and $10,000 saved, reaches about $417,000 with FHA 100% financing.
- Buying at the median home value with FHA and 3.5% down takes about $4,320 a month in gross income with $400 in other debts, and about $8,985 in cash before any seller credit.
- The median rent of $1,302 a month would cover the full house payment on a home of about $150,000.
Three Baker County buyers, run through the calculator
- With nothing saved, a household at Baker County's median income ($6,653 a month) with $150 in card payments and a 650 score reaches about $417,000 with FHA 100% financing.
- A buyer earning $4,000 a month, 60% of the county median, reaches about $234,000 alone. With a parent on $1,500 a month of Social Security co-signing, that rises to about $353,000, because FHA grosses up the parent's non-taxable income by 15% before it counts.
- A veteran at the county median income with a $350 car payment and $0 saved reaches about $525,000 with VA.
The calculator above is set to Baker County. Answer its six questions to see where your own numbers land.
Buying a duplex to fourplex in Baker County
FHA finances 2 to 4 unit homes with the same 3.5% down when you live in one unit. In Baker County the FHA limit is $743,450 for a duplex and $1,116,850 for a fourplex, and 75% of the rent from the other units counts as income. The house hacking calculator adds that rent for you.
Down payment help in Baker County
FHA 100% financing is available across Baker County from a 580 credit score on a single-family home. It pairs a 96.5% FHA first mortgage with a down payment assistance second for the 3.5%. How FHA 100% financing works.
Most Florida counties fund local purchase assistance through the State Housing Initiatives Partnership (SHIP), and Florida Housing's Hometown Heroes program serves eligible Florida workers when it's funded. AAA Capital Funding can check what's open in Baker County for your purchase.
Buying across Baker County
Macclenny is the county seat. The calculator works the same in Glen St. Mary as anywhere else in Baker County. With 28,259 people counted in the 2020 Census, Baker County is Florida's 51st most populous county of 67.
Baker County has no coastline, though homes near rivers and lakes can still sit in a flood zone. When you need flood insurance.
When you have a Baker County home in mind, call AAA Capital Funding at 888-601-8344 and we'll run it on every program the same day.