Pensacola, FL vs Miami, FL
Moving from Pensacola to Miami? Here's what changes — from your equivalent salary to housing ($310,470 → $475,622 median home) and taxes.
Pensacola vs Miami 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 Pensacola, FL, you'd need about $116,942 in Miami, FL (+$16,942).
Livability — Pensacola, FL: 70 · Miami, FL: 57 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,980 sqft in Pensacola vs 1,945 sqft in Miami ($168 vs $257 per sqft).
Annual cost breakdown (at $100,000)
| Category | Pensacola, FL | Miami, FL | Difference |
|---|---|---|---|
| Housing | $21,180 | $32,316 | +$11,136 |
| Groceries | $4,813 | $5,091 | +$278 |
| Transportation | $4,800 | $4,800 | +$0 |
| Utilities | $1,656 | $1,656 | +$0 |
| Insurance | $4,200 | $4,200 | +$0 |
| Taxes | $3,897 | $5,772 | +$1,875 |
| Total | $40,546 | $53,835 | +$13,289 |
Side by side
| Metric | Pensacola, FL | Miami, FL |
|---|---|---|
| Cost-of-living index | 95.8 | 112.1 |
| Unemployment rate | 5.65% | 5.24% |
| Population growth (5-yr) | 7.0% | 1.7% |
| Air quality (median AQI) | 46 | 51 |
| Big Mac price (est.) | $5.45 | $6.38 |
| Median home price | $310,470 | $475,622 |
| Home price ÷ income | 4.5× | 6.9× |
| 1-yr home appreciation | 0.7% | -2.9% |
| Price per square foot | $168 | $257 |
| Median rent | $1,765 | $2,693 |
| Total tax burden (% income) | 9.1% | 9.1% |
| Combined sales tax | 7.02% | 7.02% |
| Capital gains tax | None | None |
| Property tax rate | 0.62% | 0.90% |
| Healthcare (annual) | $7,500 | $7,500 |
| Childcare (annual, infant) | $10,000 | $10,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 26 | 30 |
| 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 |