The median home in Pensacola, Florida is valued at $258,054, down 1.3% year over year. Typical monthly rent is $1,603, producing a price-to-rent ratio of 13.4x — below the national average of 18x. Pensacola is part of the Pensacola-Ferry Pass-Brent, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Pensacola-Ferry Pass-Brent, FL stress score, crash risk, and 12-month forecast →

Home Value$258,054

-1.3%

Rent$1,603/mo

AFFORDABILITY

Enter your income for Pensacola.

Income (annual)

Down Payment

$51,611 on $258,054

Stretch — 29.4% of income

Above 28% but manageable with cuts.

PITI$1,840

P/I29.4%

Afford$245K

Gap-$13K

P&I $1,305Tax $185Ins $350

Renting $237/mo cheaper ($1,603 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Florida

Compare Pensacola with other housing markets across Florida.

Jupiter Island$9494K Golden Beach$7499K Fisher Island$6393K Lake Buena Vista$6088K Jupiter Inlet Colony$3619K Manalapan$3569K Golf$2871K Boca Grande$2635K

Full Pensacola-Ferry Pass-Brent, FL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Pensacola-Ferry Pass-Brent, FL metro.

View Pensacola-Ferry Pass-Brent, FL metro →

PENSACOLA, FL