Pensacola, FL
Stress
31WATCH
Risk
25MODERATE
7d-3
Generating analysis...
BuyingProceed with caution
Pensacola shows some strain. Keep payments under 30% of income. You have negotiating power as the market cools.
SellingStable for sellers
Low correction risk. No urgency. Well-priced homes move at a normal pace.
OwningStay informed
Some indicators elevated but nothing alarming. Home likely holding value.
Score Breakdown
$312K+1.0% YoY
10.9%of listings reduced
42median
3,370-11.0% YoY
$2,166PITI on median
33.4%of income
0.02%
6.58%
4.7%state (BLS)
SouthBLS regional adjustment
Larger shape = more stress from more sources.
Market Signals
12-MONTH FORECAST
Statistical projection based on historical trends.
12-month price projectionTrend direction, confidence bands, and R-squared fit.
Try FreeAffordability
AFFORDABILITYRenting $421/mo cheaper ($1,745 rent)6.58% 30yr, 20% down, county tax + FL ins. 28% per HUD.
Enter your income for Pensacola.
$62,459 on $312,296.422
Stretch — 34.7% of income
Above 28% but manageable with cuts.
PITI$2,166
P/I34.7%
Afford$252K
Gap-$60K
P&I $1,592Tax $224Ins $350
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
RENT VS BUY
Rent$1,745/mo
Buy (PITI)$2,166/mo
Renting 24% cheaper20% down, 6.58%, 30yr fixed, full PITI
14.9xUndervalued
1 years
051015yr
Extra/mo$421
Equity/yr$19,215
Buying pays off quickly.
Trend
Score HistoryJul 28, 2026
Rising = worse for buyers.
Full 2-year history30 days free. Pro unlocks everything.
Try FreeReading
Preparation guides for watch territory.