Miami, FL vs Pensacola, FL
Moving from Miami to Pensacola? Here's what changes — from your equivalent salary to housing ($475,622 → $310,470 median home) and taxes.
Miami vs Pensacola at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Miami, FL, you'd need about $85,512 in Pensacola, FL (−$14,488).
Livability — Miami, FL: 57 · Pensacola, FL: 70 (0–100).
What your home budget buys
A $500,000 home budget gets you about 1,945 sqft in Miami vs 2,980 sqft in Pensacola ($257 vs $168 per sqft).
Annual cost breakdown (at $100,000)
| Category | Miami, FL | Pensacola, FL | Difference |
|---|---|---|---|
| Housing | $32,316 | $21,180 | −$11,136 |
| Groceries | $5,091 | $4,813 | −$278 |
| Transportation | $4,800 | $4,800 | +$0 |
| Utilities | $1,656 | $1,656 | +$0 |
| Insurance | $4,200 | $4,200 | +$0 |
| Taxes | $5,772 | $3,897 | −$1,875 |
| Total | $53,835 | $40,546 | −$13,289 |
Side by side
| Metric | Miami, FL | Pensacola, FL |
|---|---|---|
| Cost-of-living index | 112.1 | 95.8 |
| Unemployment rate | 5.24% | 5.65% |
| Population growth (5-yr) | 1.7% | 7.0% |
| Air quality (median AQI) | 51 | 46 |
| Big Mac price (est.) | $6.38 | $5.45 |
| Median home price | $475,622 | $310,470 |
| Home price ÷ income | 6.9× | 4.5× |
| 1-yr home appreciation | -2.9% | 0.7% |
| Price per square foot | $257 | $168 |
| Median rent | $2,693 | $1,765 |
| Total tax burden (% income) | 9.1% | 9.1% |
| Combined sales tax | 7.02% | 7.02% |
| Capital gains tax | None | None |
| Property tax rate | 0.90% | 0.62% |
| Healthcare (annual) | $7,500 | $7,500 |
| Childcare (annual, infant) | $10,000 | $10,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 30 | 26 |
| Home insurance / yr | $4,200 | $4,200 |
| Auto insurance / yr | $2,900 | $2,900 |
| Flood insurance / yr | $1,400 | $1,400 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 15.4 | 15.4 |
| Gas $/gal | 3.35 | 3.35 |
| Violent crime /100k | 380 | 380 |
| Avg summer high °F | 91 | 91 |
| Avg winter low °F | 52 | 52 |
| Permit difficulty (1–5) | 3 | 3 |