Baker County, Florida has a 2026 one-unit conforming loan limit of $832,750, which is 3.2 times the county's median home value of $256,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $79,836 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $256,700 |
| Florida median home value | $359,000 |
| Limit ÷ median home value | 3.24× |
| Median household income | $79,836 |
| Median home value ÷ income | 3.2× |
| Population | 28,430 |
| Median property tax paid (owners) | $1,631 |
| Effective property tax rate (approx.) | 0.64% |
| Owner-occupied homes | 85.1% |
| Home value rank in Florida | 39 of 67 counties |
| Neighbor: Bradford County, FL | limit $832,750; median home $212,500 |
| Neighbor: Clay County, FL | limit $832,750; median home $312,500 |
| Neighbor: Columbia County, FL | limit $832,750; median home $194,900 |
| Neighbor: Duval County, FL | limit $832,750; median home $303,500 |
| Neighbor: Nassau County, FL | limit $832,750; median home $382,800 |
| Neighbor: Union County, FL | limit $832,750; median home $169,500 |
| Neighbor: Charlton County, GA | limit $832,750; median home $142,800 |
| Neighbor: Clinch County, GA | limit $832,750; median home $84,400 |
Across Florida's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $990,150, with 1 high-cost county. Baker County's median home value is 28% below the state median of $359,000 (rank 39 of 67). Among its 8 neighboring counties, Nassau County has the highest median home value ($382,800) and Clinch County the lowest ($84,400); all share the same loan limit. Owners pay a median $1,631 a year in property tax, an effective rate of about 0.64% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
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- 2026 conforming loan limit: Baker County, GA
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- 2026 conforming loan limit: Baldwin County, GA
- 2026 conforming loan limit: Ballard County, KY
Last updated 2026-10-16. Data only, not financial or tax advice.