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.

Home Value$258,054

-1.3%

Rent$1,603/mo

Prices falling — better for buyers.

Affordability

Enter your income for Pensacola.

Income (annual)

Down Payment

$51,611 on $258,054

Example: $75,000 household income. Change it above to see your own.

Stretch29.4% 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$9.49M Golden Beach$7.5M Fisher Island$6.39M Lake Buena Vista$6.09M Jupiter Inlet Colony$3.62M Manalapan$3.57M Golf$2.87M Boca Grande$2.63M

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

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Pensacola, FL