City profile
Pensacola, FL
A Gulf Coast gem with white-sand beaches, affordable living, and no state income tax.
Climate
Climate type
Warm & sunny
Winter avg
54°F
Summer avg
82°F
Sunny days / yr
225
Home prices & cost of living
Median home price
$280,000
Typical monthly housing
$1,550
Cost of living (100 = U.S.)
92
Taxes
- Property tax
- 0.86%
- State income tax (top)
- None
- Social Security
- Not taxed
- Pensions
- Not taxed
- Sales tax (state + avg. local)
- 7.00%
FEMA natural hazard risk
Relatively High · county score 95/100
Top hazards: Lightning, Hurricane, Heat wave
Nearest major airport
4 mi to Pensacola International Airport (PNS)
Political lean (2024 county vote)
Leans Republican · 37% Democratic / 62% Republican
Demographics (Census ACS)
Population (2024)
54,036
Growth since 2019
+2.6%
Median age
41.3
Residents 65+
20.8%
Median household income
$74,212
Income growth since 2019
+47.0%
Black household income
$34,978
Home ownership
64.2%
Poverty rate
12.6%
Poverty rate, 65+
12.9%
Race & ethnicity: Black 20.7% · White 64.9% · Hispanic 5.0% · Asian 2.7% · Other 6.7%
Crime (per 100,000 residents, 2025)
Violent crime
78 · 76% below the national average
Property crime
383 · 75% below the national average
Source: FBI Crime Data Explorer, Pensacola Police Department. State average: violent 248, property 1,074.
2025–2026 trends
2026 market trends
- ▸Home insurance is very expensive or hard to get here — get quotes before you buy
- ▸Home prices are softening in 2026 — more room to negotiate
- ▸Part of the New Great Migration — a growing Black community in the South
- ▸Climate/cost risks to check: hurricanes, flooding
Highlights
- Stunning white-sand beaches
- No state income tax
- Affordable coastal living
- Military-friendly
Trade-offs
- Hurricane risk
- Limited public transit
- Smaller metro
- Limited cultural institutions
Figures are estimates from public sources (see How we match). Verify before making decisions.