What income do you need to buy a house in Baldwin, FL?

It takes about $61,000/yr to afford the typical Baldwin, FL home ($208K, +1.3% past year) at today's rates. Starter homes run around $132K. See if you can afford a house in Baldwin (2026 data) — free, no signup.

Market snapshot (2026-07)

• Income needed to buy the typical home: about $61,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, FL property tax and insurance)
• Typical home value: $208K (Zillow ZHVI, 2026-07)
• 1-year change: +1.3%
• Bottom 35% of homes: $132K
• Top 35% of homes start around: $298K
• Median household income: $48K
• Price-to-income ratio: 4.4
• Estimated payment on the typical home: $1,079/mo principal & interest (20% down, 6.76% 30-yr fixed)

Nearby housing markets

• Macclenny, FL — typical home $310K
• Middleburg, FL — typical home $328K
• Orange Park, FL — typical home $314K
• Jacksonville, FL — typical home $287K
• Asbury Lake, FL — typical home $491K
• Fleming Island, FL — typical home $445K

The most affordable cities to buy a house in Florida

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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