In Baker City, a typical home is worth $271,400 and typical rent is $896 a month. Home values, rent and income are very close to those of all of Baker County.
Typical home value from Zillow, September 2021 to September 2026: from $207,475 to $260,512.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Baker City is in Baker County. The FHA loan limit ($541,287 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
Baker City has the 3rd lowest typical rent of the 102 cities in Oregon with more than 5,000 people ($896).
2
Baker City has the 8th lowest typical home value of the 105 cities in Oregon with more than 5,000 people ($271,400).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Baker City
What homes there are in Baker City, 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
Baker City
Baker County
Oregon
United States
Kind of home: Baker City and its comparisons
Measure
Baker City
Baker County
Oregon
United States
Detached house
73%
75%
63%
61%
Attached house
Unreliable estimate
Unreliable estimate
5%
6%
Building of 2 to 4
8%
5%
7%
8%
Apartments (5 or more)
Unreliable estimate
6%
18%
19%
Mobile home
8%
12%
7%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Baker City: 73% of homes, near the figure in Baker County (75%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Baker City
Baker County
Oregon
United States
Year built: Baker City and its comparisons
Measure
Baker City
Baker County
Oregon
United States
Before 1960
51%
44%
23%
26%
1960–1979
19%
21%
26%
24%
1980–1999
16%
21%
25%
25%
2000–2009
9%
8%
14%
14%
2010 or later
5%
5%
12%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K22%
$200K–$300K31%
$300K–$500K33%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Baker City and its comparisons
Measure
Baker City
Under $100K
Unreliable estimate
$100K–$200K
22%
$200K–$300K
31%
$300K–$500K
33%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99950%
$1,000–$1,49935%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Baker City and its comparisons
Measure
Baker City
Under $500
Unreliable estimate
$500–$999
50%
$1,000–$1,499
35%
$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
$1,441 a month
Baker County: $1,431 a month
Without a mortgage
$548 a month
Baker County: $532 a month
Owners with a mortgage
57%
Baker County: 49%
The typical cost for an owner with a mortgage in Baker City is $1,441 a month, near the figure in Baker County ($1,431).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Baker City+85%
Baker County+65%
Oregon+53%
United States+53%
Typical rent
Baker City+36%
Baker County+28%
Oregon+37%
United States+33%
Typical household income
Baker City+38%
Baker County+33%
Oregon+32%
United States+29%
Change since 2015–2019: Baker City and its comparisons
Measure
Baker City
Baker County
Oregon
United States
Typical home value
+85%
+65%
+53%
+53%
Typical rent
+36%
+28%
+37%
+33%
Typical household income
+38%
+33%
+32%
+29%
From 2015–2019 to 2020–2024, the typical home value in Baker City rose 85%; in Baker County, it rose 65%.
Since 2015–2019, the typical rent in Baker City rose 36%, more than in Baker County (28%).
To compare: typical income in Baker City rose 38%; the home, +85%; the rent, +36%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Baker City and its comparisons
Measure
Baker City
Baker County
Oregon
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.7%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
3.2%
3.4%
People per household
2.15
2.21
2.42
2.53
Drive alone
76%
72%
65%
69%
Carpool
Unreliable estimate
10%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
2%
3%
Walk or bike
9%
8%
5%
3%
Work from home
10%
10%
19%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
under 10 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Much as in Baker County, a household in Baker City has 2.15 people on average.
In Baker City, 76% of workers drive alone to work; in Baker County, 72%.
Do the math
What would you pay each month for a home in Baker City?
A typical home costs more than the typical income allows
We start with a typical home in Baker City, worth $271,400, 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 Baker City, which is $61,580 a year. For that payment to be 28% of income, a household would need to earn about $96,277 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 Baker City. 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 $9,499 (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
$2,246
at 7.18% · 30 years
Loan amount
$266,484
Total interest
$383,408
Paid off in
November 2056
Includes $4,583 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,437 a month
Tight
$1,437 to $1,847 a month
Hard
more than $1,847 a month
Your payment · 44%
Compared with the typical household income in Baker City ($61,580 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,805
Property tax
$208
Home insurance
$113
FHA mortgage insurance (MIP)
$120
You need at least $9,499 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 $2,246; principal and interest $1,805.
The city and its county
Baker City and Baker County
Baker City is in Baker County, Oregon. 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).
Baker City
Map of Baker County, Oregon, with Baker City marked. Around it, the neighboring counties.
Baker City
Baker County
Baker City's own numbers
Typical home value
$271,400
Typical monthly rent
$896
Typical yearly household income
$61,580
Households that own their home
70%
Effective property tax rate
0.92%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Baker County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+78%
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 Baker City is worth $271,400: 5% below the county and 43% below Oregon. With the typical household income in Baker City ($61,580 a year), a typical home costs 4.4 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.
Baker City4.4 years
Baker4.7 years
Oregon5.8 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 155% 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: +9.9% +9.9% 2016
2017: +1.4% +1.4% 2017
2018: +11.9% +11.9% 2018
2019: +7.1% +7.1% 2019
2020: +7.3% +7.3% 2020
2021: +17.3% +17.3% 2021
2022: +24.2% +24.2% 2022
2023: +0.6% +0.6% 2023
2024: +12.1% +12.1% 2024
2025: +8.5% +8.5% 2025
Change in FHFA’s price index in Baker County, Oregon and the United States
Period
County
Oregon
U.S.
Last year (2025)
+8.5%
+0.9%
+2.9%
5 years (2020–2025)
+78%
+35%
+47%
10 years (2015–2025)
+155%
+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
Baker City next to Baker County, Oregon and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Baker City$271,400
Baker$285,600
Oregon$477,600
United States$332,700
Typical monthly rent
Baker City$896
Baker$865
Oregon$1,525
United States$1,413
Typical yearly household income
Baker City$61,580
Baker$60,936
Oregon$83,011
United States$80,734
See the full table
Baker City next to Baker County and Oregon
Measure
Baker City
Baker County
Oregon
U.S.
Typical home value
$271,400 ▼5% below the county
$285,600
$477,600
$332,700
Typical monthly rent
$896 ▲4% above the county
$865
$1,525
$1,413
Typical yearly household income
$61,580
$60,936
$83,011
$80,734
Households that own their home
70% ▼2 points below the county
71%
63%
65%
Typical yearly property tax
$2,493 ▲11% above the county
$2,239
$3,876
$3,119
Effective property tax rate
0.92% ▲0.14 points above the county
0.78%
0.81%
0.94%
Renters with high rent for their income
44% ▲2 points above the county
42%
52%
51%
“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 Baker City
For a typical $271,400 home in Baker City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Baker City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,246a month
Least cash to close
Down payment
$9,499
Cash to close
$17,641
Rate
7.18%
Mortgage insurance
FHA MIP · $120
Conventional, 5% down$2,197a month
Down payment
$13,570
Cash to close
$21,712
Rate
7.18%
Mortgage insurance
PMI · $129
Conventional, 20% down, no PMI$1,792a month
Down payment
$54,280
Cash to close
$62,422
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,043a month
Down payment
$40,710
Cash to close
$48,852
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Baker City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,246
$9,499
$266,484
7.18%
FHA MIP · $120
$17,641
580
Conventional, 5% down
$2,197
$13,570
$257,830
7.18%
PMI · $129
$21,712
620*
Conventional, 20% down, no PMI
$1,792
$54,280
$217,120
7.18%
None
$62,422
620*
ITIN, 15% down (example)
$2,043
$40,710
$230,690
8.18%
None
$48,852
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 Baker City is $896 a month: 4% above the county. In Baker City, 44% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Baker County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 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
$719
$13.83
$28,760
1 bedroom
$897
$17.25
$35,880
2 bedrooms
$1,014
$19.50
$40,560
3 bedrooms
$1,404
$27.00
$56,160
4 bedrooms
$1,695
$32.60
$67,800
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 Baker City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Baker City is in ZIP code 97814.
For 2 bedrooms it is $1,100: $86 more than the fair market rent for Baker County ($1,014).
Fair market rent by ZIP code and size in Baker City, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
97814
$760
$900
$1,100
$1,530
$1,850
ZIP code2 bd3 bd
97814 $1,100$1,530
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Baker City 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)
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 Baker City or Baker County. The ones below are statewide in Oregon: they work in Baker City the same as in the rest of the state.
Oregon state funds for the down payment and closing costs, delivered by local organizations: up to $60,000 or 20% of the price, sometimes as a grant or as a forgivable second mortgage, for first-time or first-generation buyers with income up to 100% of the area median.Offered by Oregon Housing and Community Services (OHCS).
Oregon Housing and Community Services mortgage for low- and moderate-income first-time buyers, with down payment assistance of 4% or 5% of the loan as a second mortgage.Offered by Oregon Housing and Community Services (OHCS).
Oregon Housing and Community Services mortgage for any buyer, including people who have owned a home before, with down payment assistance of 4% or 5% of the loan as a second mortgage that can be forgivable or repayable.Offered by Oregon Housing and Community Services (OHCS).
No legal help resource on our list is for Baker City 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 Baker City 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 Baker City?
The typical home value in Baker City is $271,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Baker County it is $285,600.
How much does it cost to rent in Baker City?
Typical rent in Baker City is $896 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Baker County is $1,014.
What is the FHA loan limit in Baker City?
Baker City uses the FHA limit for all of Baker County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Baker City?
The typical homeowner in Baker City pays $2,493 a year, according to the U.S. Census Bureau. That is 0.92% of the home’s value; in Baker County, the rate is 0.78%.
Where can I find free help to buy or rent in Baker City?
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.
