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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

Baker, LA Housing Affordability Index

Baker, Louisiana has an MBR Housing Affordability Index score of 144.1 (Highly Affordable) as of October 30, 2026, ranking 188th most affordable of 331 scored Louisiana cities, compared with 125.1 statewide and 97.4 nationally. On a median-priced $157,900 home with 20% down, the Louisiana average 30-year fixed rate of 7.19% means a monthly principal and interest payment of about $857, or 19% of the city’s $54,750 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Baker is updated every night from live Louisiana 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.

Baker MBR-HAI 144.1 Highly Affordable
Rank in Louisiana 188 of 331 1 = most affordable
Louisiana 125.1 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.19% Louisiana lenders
Median home value $157,900 U.S. Census Bureau

Baker is 18.9 points above the Louisiana score. Scores as of October 30, 2026. See the Louisiana index

View Baker Mortgage Rates

What It Takes to Buy in Baker

$857/mo
Principal & Interest
Median home, 20% down, 7.19%
$36,700
Income Needed
To keep the payment at 28% of income
$54,750
Median Household Income
Louisiana: $60,756
2.9x
Price-to-Income Ratio
Louisiana: 3.6x
$1,098/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$773/yr
Median Property Tax
0.49% of median value
32.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
42.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Baker Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Baker, Louisiana score: 144.1 (Highly Affordable), ranked 188 of 331 Louisiana cities. monitorbankrates.com/housing-affordability-index/louisiana/baker”