In Macclenny, a typical home is worth $261,800 and typical rent is $1,384 a month. Compared with all of Baker County, typical household income is 7% lower, typical rent is 6% higher, and the share of households that own their home is 9 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $253,402 to $305,308.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Macclenny is in Baker County. The FHA loan limit ($580,750 for a one-unit home), the fair market rents and the help on this page are those of all of Baker County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Starke, the typical rent is $840: 39% less than in Macclenny ($1,384).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Macclenny rose 2.9%; in Florida, it fell 0.9%.
3
Nearby, in Starke, the typical home value is $214,300: 18% less than in Macclenny ($261,800).
4
76% of households in Macclenny own their home, against 85% in Baker County.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Macclenny
What homes there are in Macclenny, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Macclenny
Baker County
Florida
United States
Kind of home: Macclenny and its comparisons
Measure
Macclenny
Baker County
Florida
United States
Detached house
80%
63%
55%
61%
Attached house
Unreliable estimate
Unreliable estimate
7%
6%
Building of 2 to 4
Unreliable estimate
Unreliable estimate
6%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
25%
19%
Mobile home
Unreliable estimate
31%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 80% of homes here, against 63% in Baker County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Macclenny
Baker County
Florida
United States
Year built: Macclenny and its comparisons
Measure
Macclenny
Baker County
Florida
United States
Before 1960
Unreliable estimate
6%
10%
26%
1960–1979
29%
22%
24%
24%
1980–1999
17%
27%
34%
25%
2000–2009
40%
28%
18%
14%
2010 or later
Unreliable estimate
16%
14%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K53%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Macclenny and its comparisons
Measure
Macclenny
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
53%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Macclenny and its comparisons
Measure
Macclenny
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,540 a month
Baker County: $1,528 a month
Without a mortgage
$347 a month
Baker County: $461 a month
Owners with a mortgage
65%
Baker County: 57%
Owning costs about the same in Macclenny as in Baker County: with a mortgage, $1,540 a month; without one, $347.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Macclenny+86%
Baker County+85%
Florida+67%
United States+53%
Typical rent
Macclenny+62%
Baker County+67%
Florida+42%
United States+33%
Typical household income
MacclennyNo clear change
Baker County+26%
Florida+34%
United States+29%
Change since 2015–2019: Macclenny and its comparisons
Measure
Macclenny
Baker County
Florida
United States
Typical home value
+86%
+85%
+67%
+53%
Typical rent
+62%
+67%
+42%
+33%
Typical household income
No clear change
+26%
+34%
+29%
From 2015–2019 to 2020–2024, home values in Macclenny rose at about the same pace as in Baker County: 86% against 85%.
Rents in Macclenny rose more slowly than in Baker County: 62% since 2015–2019, against 67%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Macclenny and its comparisons
Measure
Macclenny
Baker County
Florida
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
7.6%
5.5%
Homeowner vacancy
0.8%
Unreliable estimate
1.4%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
3.3%
3.4%
People per household
2.86
2.82
2.51
2.53
Drive alone
60%
77%
70%
69%
Carpool
20%
10%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
9%
16%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
A household in Macclenny has 2.86 people on average, about the same as in Baker County (2.82).
Carpooling is common in Macclenny: 20% of workers get to work that way, against 10% in Baker County.
Do the math
What would you pay each month for a home in Macclenny?
A typical home is tight for the typical income
We start with a typical home in Macclenny, worth $261,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Macclenny, which is $73,942 a year. For that payment to be 28% of income, a household would need to earn about $89,786 a year.
The calculator's FHA and conventional loan limits are those of all of Baker County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Macclenny. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $9,163 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,095
at 7.18% · 30 years
Loan amount
$257,058
Total interest
$369,846
Paid off in
November 2056
Includes $4,421 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,725 a month
Tight
$1,725 to $2,218 a month
Your payment · 34%
Hard
more than $2,218 a month
Compared with the typical household income in Macclenny ($73,942 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,741
Property tax
$129
Home insurance
$109
FHA mortgage insurance (MIP)
$116
You need at least $9,163 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,095; principal and interest $1,741.
The city and its county
Macclenny and Baker County
Macclenny is in Baker County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Macclenny
Map of Baker County, Florida, with Macclenny marked. Around it, the neighboring counties.
Macclenny
Baker County
Other cities with a page
Macclenny's own numbers
Typical home value
$261,800
Typical monthly rent
$1,384
Typical yearly household income
$73,942
Households that own their home
76%
Effective property tax rate
0.59%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Baker County
FHA limit, one-unit home
$580,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,110
Price change over 5 years (FHFA)
+69%
Homes in a high flood-risk zone
4.6%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Baker County.
A typical home in Macclenny is worth $261,800: about the same as the county and 27% below Florida. With the typical household income in Macclenny ($73,942 a year), a typical home costs 3.5 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Macclenny3.5 years
Baker3.2 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Baker County
According to FHFA’s house price index, home prices in Baker County rose 125% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Baker County.
Yearly change in FHFA’s price index in Baker County, 2016 to 2025
2016: +6.0% +6.0% 2016
2017: +6.5% +6.5% 2017
2018: +7.8% +7.8% 2018
2019: +5.6% +5.6% 2019
2020: +3.7% +3.7% 2020
2021: +13.7% +13.7% 2021
2022: +25.1% +25.1% 2022
2023: +7.6% +7.6% 2023
2024: −0.8% −0.8% 2024
2025: +11.1% +11.1% 2025
Change in FHFA’s price index in Baker County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
+11.1%
−0.5%
+2.9%
5 years (2020–2025)
+69%
+60%
+47%
10 years (2015–2025)
+125%
+127%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Macclenny next to Baker County, Florida and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Macclenny$261,800
Baker$256,700
Florida$359,000
United States$332,700
Typical monthly rent
Macclenny$1,384
Baker$1,302
Florida$1,669
United States$1,413
Typical yearly household income
Macclenny$73,942
Baker$79,836
Florida$74,568
United States$80,734
See the full table
Macclenny next to Baker County and Florida
Measure
Macclenny
Baker County
Florida
U.S.
Typical home value
$261,800
$256,700
$359,000
$332,700
Typical monthly rent
$1,384 ▲6% above the county
$1,302
$1,669
$1,413
Typical yearly household income
$73,942 ▼7% below the county
$79,836
$74,568
$80,734
Households that own their home
76% ▼9 points below the county
85%
68%
65%
Typical yearly property tax
$1,536 ▼6% below the county
$1,631
$2,730
$3,119
Effective property tax rate
0.59% ▼0.05 points below the county
0.64%
0.76%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Baker County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Macclenny
For a typical $261,800 home in Macclenny, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Macclenny's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,095a month
Least cash to close
Down payment
$9,163
Cash to close
$17,017
Rate
7.18%
Mortgage insurance
FHA MIP · $116
Conventional, 5% down$2,047a month
Down payment
$13,090
Cash to close
$20,944
Rate
7.18%
Mortgage insurance
PMI · $124
Conventional, 20% down, no PMI$1,657a month
Down payment
$52,360
Cash to close
$60,214
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,899a month
Down payment
$39,270
Cash to close
$47,124
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Macclenny
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,095
$9,163
$257,058
7.18%
FHA MIP · $116
$17,017
580
Conventional, 5% down
$2,047
$13,090
$248,710
7.18%
PMI · $124
$20,944
620*
Conventional, 20% down, no PMI
$1,657
$52,360
$209,440
7.18%
None
$60,214
620*
ITIN, 15% down (example)
$1,899
$39,270
$222,530
8.18%
None
$47,124
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Macclenny is $1,384 a month: 6% above the county.
HUD publishes a fair market rent for all of Baker County, by unit size. To pay the 2-bedroom one ($1,110 a month) without spending more than 30% of your income, you would need to earn $21.35 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Baker County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$921
$17.71
$36,840
1 bedroom
$933
$17.94
$37,320
2 bedrooms
$1,110
$21.35
$44,400
3 bedrooms
$1,537
$29.56
$61,480
4 bedrooms
$1,702
$32.73
$68,080
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Macclenny
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Macclenny is in ZIP code 32063.
For 2 bedrooms it is $1,290: $180 more than the fair market rent for Baker County ($1,110).
Fair market rent by ZIP code and size in Macclenny, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
32063
$1,070
$1,080
$1,290
$1,790
$1,980
ZIP code2 bd3 bd
32063 $1,290$1,790
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Macclenny when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 3 buildings with rents for lower incomes in Macclenny. These are the largest.
Macclenny Ha404 E Stansell Ave, Macclenny 3206380 low-income homes · Run by Macclenny Housing Authority · Average payment: $478 a month · Average wait: 54 months(904) 259-6881
Northwood Apartments307 E Ohio Ave, Macclenny 3206352 low-income homes · For older adults(904) 259-6239
Baker Manor680 S 6th St, Macclenny 3206350 low-income homes · For families(904) 259-6008
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Baker County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Macclenny or Baker County. The ones below are statewide in Florida: they work in Macclenny the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
No legal help resource on our list is for Macclenny or Baker County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Macclenny and all of Baker County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Macclenny?
The typical home value in Macclenny is $261,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Baker County it is $256,700.
How much does it cost to rent in Macclenny?
Typical rent in Macclenny is $1,384 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Baker County is $1,110.
What is the FHA loan limit in Macclenny?
Macclenny uses the FHA limit for all of Baker County (2026): $580,750 for a one-unit home and $1,116,850 for a four-unit home.
How much property tax do owners pay in Macclenny?
The typical homeowner in Macclenny pays $1,536 a year, according to the U.S. Census Bureau. That is 0.59% of the home’s value; in Baker County, the rate is 0.64%.
Where can I find free help to buy or rent in Macclenny?
We found no HUD-approved counseling agencies with an office in Baker County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
