In Baldwin, a typical home is worth $593,800 and typical rent is $1,890 a month. Compared with all of Nassau County, typical rent is 16% lower and the typical home value is 13% lower.
Typical home value from Zillow, September 2021 to September 2026: from $561,215 to $729,240.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Baldwin is in Nassau County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Nassau County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Roosevelt, the typical home value is $477,400: 20% less than in Baldwin ($593,800).
2
The typical rent in Baldwin is $1,890 a month, 16% less than in Nassau County as a whole ($2,252).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Baldwin
What homes there are in Baldwin, 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
Baldwin
Nassau County
New York
United States
Kind of home: Baldwin and its comparisons
Measure
Baldwin
Nassau County
New York
United States
Detached house
86%
76%
41%
61%
Attached house
2%
3%
6%
6%
Building of 2 to 4
4%
8%
17%
8%
Apartments (5 or more)
8%
13%
35%
19%
Mobile home
Unreliable estimate
0%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Baldwin, 9 in 10 homes are single-family detached houses; in Nassau County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Baldwin
Nassau County
New York
United States
Year built: Baldwin and its comparisons
Measure
Baldwin
Nassau County
New York
United States
Before 1960
75%
66%
52%
26%
1960–1979
18%
19%
22%
24%
1980–1999
6%
7%
14%
25%
2000–2009
Unreliable estimate
3%
6%
14%
2010 or later
Unreliable estimate
4%
6%
11%
In Baldwin, half of the homes were built before 1949; in Nassau County, before 1955.
There is more room for a big family here: 79% of homes have 3 bedrooms or more, against 75% in Nassau County.
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–$300K2%
$300K–$500K22%
$500K–$750K59%
$750K–$1M10%
$1M or more3%
Value of owner-occupied homes: Baldwin and its comparisons
Measure
Baldwin
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
2%
$300K–$500K
22%
$500K–$750K
59%
$750K–$1M
10%
$1M or more
3%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99931%
$2,000–$2,49924%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Baldwin and its comparisons
Measure
Baldwin
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
31%
$2,000–$2,499
24%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$3,683 a month
Nassau County: $3,795 a month
Owners with a mortgage
73%
Nassau County: 62%
The typical cost for an owner with a mortgage in Baldwin is $3,683 a month, near the figure in Nassau County ($3,795).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
BaldwinBoundaries changed
Nassau County+39%
New York+35%
United States+53%
Typical rent
BaldwinBoundaries changed
Nassau County+27%
New York+27%
United States+33%
Typical household income
BaldwinBoundaries changed
Nassau County+26%
New York+26%
United States+29%
Change since 2015–2019: Baldwin and its comparisons
Measure
Baldwin
Nassau County
New York
United States
Typical home value
Boundaries changed
+39%
+35%
+53%
Typical rent
Boundaries changed
+27%
+27%
+33%
Typical household income
Boundaries changed
+26%
+26%
+29%
Baldwin does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Nassau County the typical home value rose 39%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Baldwin and its comparisons
Measure
Baldwin
Nassau County
New York
United States
Rental vacancy
Unreliable estimate
4.5%
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
1.1%
0.9%
More than one person per room
3.2%
3.4%
5.3%
3.4%
People per household
3.21
2.99
2.49
2.53
Drive alone
66%
61%
49%
69%
Carpool
7%
7%
6%
9%
Public transit
13%
13%
22%
3%
Walk or bike
Unreliable estimate
2%
6%
3%
Work from home
11%
16%
15%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
30 to 39 minutes
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
In Baldwin, 3.2% of households live with more than one person per room, about the same as in Nassau County.
More people live in each home here: 3.21 on average, against 2.99 in Nassau County.
The car rules in Baldwin: 66% of workers drive to work alone, and the typical trip takes 30 to 39 minutes.
Do the math
What would you pay each month for a home in Baldwin?
A typical home costs more than the typical income allows
We start with a typical home in Baldwin, worth $593,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Baldwin, which is $145,472 a year. For that payment to be 28% of income, a household would need to earn about $226,762 a year.
The calculator's FHA and conventional loan limits are those of all of Nassau 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 Baldwin. 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 $20,783 (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
$5,291
at 7.18% · 30 years
Loan amount
$583,045
Total interest
$838,865
Paid off in
November 2056
Includes $10,028 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,394 a month
Tight
$3,394 to $4,364 a month
Hard
more than $4,364 a month
Your payment · 44%
Compared with the typical household income in Baldwin ($145,472 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,950
Property tax
$831
Home insurance
$247
FHA mortgage insurance (MIP)
$263
You need at least $20,783 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 $5,291; principal and interest $3,950.
The city and its county
Baldwin and Nassau County
Baldwin is in Nassau County, New York. 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).
Baldwin
Map of Nassau County, New York, with Baldwin marked. Around it, the neighboring counties.
Baldwin
Nassau County
Other cities with a page
Baldwin's own numbers
Typical home value
$593,800
Typical monthly rent
$1,890
Typical yearly household income
$145,472
Households that own their home
87%
Effective property tax rate
1.68%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Nassau County
FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,689
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
9.6%
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 Nassau County.
A typical home in Baldwin is worth $593,800: 13% below the county and 40% above New York. With the typical household income in Baldwin ($145,472 a year), a typical home costs 4.1 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.
Baldwin4.1 years
Nassau4.7 years
New York4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Nassau County
According to FHFA’s house price index, home prices in Nassau County rose 82% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Nassau County.
Yearly change in FHFA’s price index in Nassau County, 2016 to 2025
2016: +4.1% +4.1% 2016
2017: +6.0% +6.0% 2017
2018: +6.6% +6.6% 2018
2019: +3.8% +3.8% 2019
2020: +2.8% +2.8% 2020
2021: +7.0% +7.0% 2021
2022: +11.3% +11.3% 2022
2023: +5.7% +5.7% 2023
2024: +7.4% +7.4% 2024
2025: +7.0% +7.0% 2025
Change in FHFA’s price index in Nassau County, New York and the United States
Period
County
New York
U.S.
Last year (2025)
+7.0%
+6.0%
+2.9%
5 years (2020–2025)
+45%
+52%
+47%
10 years (2015–2025)
+82%
+86%
+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
Baldwin next to Nassau County, New York and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Baldwin$593,800
Nassau$684,700
New York$423,800
United States$332,700
Typical monthly rent
Baldwin$1,890
Nassau$2,252
New York$1,621
United States$1,413
Typical yearly household income
Baldwin$145,472
Nassau$146,202
New York$85,974
United States$80,734
See the full table
Baldwin next to Nassau County and New York
Measure
Baldwin
Nassau County
New York
U.S.
Typical home value
$593,800 ▼13% below the county
$684,700
$423,800
$332,700
Typical monthly rent
$1,890 ▼16% below the county
$2,252
$1,621
$1,413
Typical yearly household income
$145,472
$146,202
$85,974
$80,734
Households that own their home
87% ▲5 points above the county
82%
54%
65%
Typical yearly property tax
$10,001
$10,001
$6,582
$3,119
Effective property tax rate
1.68% ▲0.22 points above the county
1.46%
1.55%
0.94%
Renters with high rent for their income
54% ▼1 points below the county
55%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Nassau 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 Baldwin
For a typical $593,800 home in Baldwin, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Baldwin's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,291a month
Least cash to close
Down payment
$20,783
Cash to close
$38,597
Rate
7.18%
Mortgage insurance
FHA MIP · $263
Conventional, 5% down$5,182a month
Down payment
$29,690
Cash to close
$47,504
Rate
7.18%
Mortgage insurance
PMI · $282
Conventional, 20% down, no PMI$4,297a month
Down payment
$118,760
Cash to close
$136,574
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,846a month
Down payment
$89,070
Cash to close
$106,884
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Baldwin
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$5,291
$20,783
$583,045
7.18%
FHA MIP · $263
$38,597
580
Conventional, 5% down
$5,182
$29,690
$564,110
7.18%
PMI · $282
$47,504
620*
Conventional, 20% down, no PMI
$4,297
$118,760
$475,040
7.18%
None
$136,574
620*
ITIN, 15% down (example)
$4,846
$89,070
$504,730
8.18%
None
$106,884
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 Baldwin is $1,890 a month: 16% below the county. In Baldwin, 54% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Nassau County, by unit size. To pay the 2-bedroom one ($2,689 a month) without spending more than 30% of your income, you would need to earn $51.71 an hour working full time.
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.
There are 3 HUD-approved agencies with an office in Nassau County; 2 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Baldwin or Nassau County. The ones below are statewide in New York: they work in Baldwin the same as in the rest of the state.
SONYMA second loan with no interest, forgiven after ten years, for the down payment with a SONYMA mortgage in New York.Offered by State of New York Mortgage Agency (SONYMA).
SONYMA mortgage at a very low fixed rate for low-income first-time buyers in New York, with a minimal down payment.Offered by State of New York Mortgage Agency (SONYMA).
No legal help resource on our list is for Baldwin or Nassau 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 Baldwin and all of Nassau 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 Baldwin?
The typical home value in Baldwin is $593,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Nassau County it is $684,700.
How much does it cost to rent in Baldwin?
Typical rent in Baldwin is $1,890 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Nassau County is $2,689.
What is the FHA loan limit in Baldwin?
Baldwin uses the FHA limit for all of Nassau County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.
How much property tax do owners pay in Baldwin?
The typical homeowner in Baldwin pays $10,001 a year, according to the U.S. Census Bureau. That is 1.68% of the home’s value; in Nassau County, the rate is 1.46%.
Where can I find free help to buy or rent in Baldwin?
There are 3 HUD-approved counseling agencies with an office in Nassau County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
