C-

Baker, FL

Source:

Affordability Score: 53/100

Population: 5,296 · 1 ZIP codes

The affordability dashboard for Baker, FL aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 5,296 residents, then layers in county-level federal data to produce an overall grade of C- (53/100). The headline inputs are median household income of $84,992, median home value of $321,000, median rent of $866 per month, and 27.0% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,785 per month (studio $1,362, 1BR $1,581, 3BR $2,448, 4BR $2,979). Department of Labor data lists infant center-based childcare at $11,700 per year, consuming 14% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Pressure points are commute. Unemployment currently reads 2.8% and poverty 4.6% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income B
$84,992
Median household income
Education D
27.0%
Bachelor's degree or higher
Housing D
3.8x
Home value $321,000 vs income
Commute F
39 min
Average commute time
Rent C+
$1,785/mo
2BR fair market rent (25% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare C
$11,700/yr
Center-based infant care (14% of income)

Income & Employment

Median Income
$84,992
▲ 37% vs national
Per Capita Income
$43,310
Unemployment Rate
2.8%
Poverty Rate
4.6%

Housing

Median Home Value
$321,000
▲ 17% vs national
Median Rent
$866/mo
Owner Occupied
82.0%
2BR Fair Market Rent
$1,785/mo
▲ 49% vs national

Fair Market Rents by Bedroom

Studio
$1,362
1BR
$1,581
2BR
$1,785
3BR
$2,448
4BR
$2,979

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
27.0%
▼ 3 ppt vs national
High School+
63.1%
Median Age
41.7
Avg. Commute
39 min
▲ 13 min vs national

Childcare Costs

Infant (Center)
$11,700/yr
14% of income
Toddler (Center)
$9,620/yr
Preschool (Center)
$8,580/yr
School-Age (Center)
$7,020/yr

What This Means

Baker, FL receives an overall affordability grade of C- (53/100), aggregated from 1 ZIP codes with a total population of 5,296. Challenges include commute. Data was unavailable for safety — these dimensions were excluded from the overall score.

Nearby City Dashboards

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What are common questions about this dashboard?

Is Baker, FL affordable?
Baker, FL receives an overall affordability grade of C- (53/100) based on Census, HUD, FBI, and DOL data. Median household income is $84,992. Median home value is $321,000.
What is the cost of living in Baker?
Key cost metrics: Median rent $866/mo. 2BR fair market rent $1,785/mo. Infant childcare $11,700/yr. Median home value $321,000.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →