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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Baldwin, FL Housing Affordability Index

Baldwin, Florida has an MBR Housing Affordability Index score of 118.1 (More Affordable Than Average) as of October 30, 2026, ranking 122nd most affordable of 479 scored Florida cities, compared with 92.5 statewide and 97.4 nationally. On a median-priced $180,700 home with 20% down, the Florida average 30-year fixed rate of 7.14% means a monthly principal and interest payment of about $975, or 25% of the city’s $47,500 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Baldwin is updated every night from live Florida mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Baldwin MBR-HAI 118.1 More Affordable Than Average
Rank in Florida 122 of 479 1 = most affordable
Florida 92.5 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.14% Florida lenders
Median home value $180,700 U.S. Census Bureau

Baldwin is 25.5 points above the Florida score. Scores as of October 30, 2026. See the Florida index

View Baldwin Mortgage Rates

What It Takes to Buy in Baldwin

$975/mo
Principal & Interest
Median home, 20% down, 7.14%
$41,800
Income Needed
To keep the payment at 28% of income
$47,500
Median Household Income
Florida: $74,568
3.8x
Price-to-Income Ratio
Florida: 4.8x
$835/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,432/yr
Median Property Tax
0.79% of median value
32.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
25.7%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Baldwin, Florida. The rate is the Florida average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Baldwin Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Baldwin, Florida score: 118.1 (More Affordable Than Average), ranked 122 of 479 Florida cities. monitorbankrates.com/housing-affordability-index/florida/baldwin”