Cost of living in Pensacola, FL Livability score 70 · cost-of-living index 95.8 (US = 100)
How Pensacola compares Where Pensacola falls within the range of all 200 metros (marker = this city).
Cost-of-living index (US=100) 85 118 Cost-of-living index (US=100): 96 — range 85 to 118 across all metros 96 Median home price $149k $1610k Median home price: $310k — range $149k to $1610k across all metros $310k Price per sqft (more house = lower) $88 $1074 Price per sqft (more house = lower): $168 — range $88 to $1074 across all metros $168 Combined sales tax 0.0% 11.5% Combined sales tax: 7.0% — range 0.0% to 11.5% across all metros 7.0% Property tax rate 0.28% 2.76% Property tax rate: 0.62% — range 0.28% to 2.76% across all metros 0.62% Violent crime (per 100k) 110 1,000 Violent crime (per 100k): 380 — range 110 to 1,000 across all metros 380 Electricity (¢/kWh) 12.3 46.6 Electricity (¢/kWh): 15.4 — range 12.3 to 46.6 across all metros 15.4 Avg summer high (°F) 65° 104° Avg summer high (°F): 91° — range 65° to 104° across all metros 91° Avg winter low (°F) -2° 72° Avg winter low (°F): 52° — range -2° to 72° across all metros 52° Map of Pensacola Grocery stores, parks, golf courses and more — real listings. Toggle categories in the legend.
Map data © OpenStreetMap contributors · business listings via Google Maps
Cost of living Metric Value US rank Cost-of-living index (US=100) 95.8 #103 of 200 Grocery index (US=100) 96.3 #76 of 200 Big Mac price (est.) $5.45 #100 of 200 Median household income $69,374 #109 of 200 Median wage (all occupations) $36,757 #151 of 200
Economy Metric Value US rank Unemployment rate 5.65% #136 of 200 Population growth (5-yr) +7.0% #54 of 200
Housing — what your money buys Metric Value US rank Median home price $310,470 #81 of 200 Home price ÷ income (affordability) 4.5× #81 of 200 1-yr home appreciation +0.7% #119 of 200 Price per square foot $168 #78 of 200 Typical home size (implied) 1,850 sqft Median rent (monthly) $1,765 #129 of 200 Homes for sale (inventory) 3,339 Median days on market 30 #151 of 200
Taxes Metric Value US rank Total tax burden (est. % of income) 9.1% #38 of 200 Combined sales tax 7.02% #69 of 200 State income tax (top rate) None Capital gains tax None #1 of 200 High earners No special surtax Effective property tax rate 0.62% #36 of 200 Median property tax paid $1,440 #33 of 200
Healthcare & childcare Metric Value US rank Healthcare (annual, single adult) $7,500 #163 of 200 Childcare (annual, infant, center) $10,000 #58 of 200
Vehicles & commute Metric Value US rank Annual registration $225 #153 of 200 Vehicle property tax (annual) None #1 of 200 Emissions testing Not required Emissions detail No vehicle emissions testing DMV & license offices 4 Avg commute to work 26 min #138 of 200
Utilities & fuel Metric Value US rank Electricity 15.4¢/kWh #45 of 200 Avg monthly electric bill $138 #41 of 200 Gasoline $3.35/gal #111 of 200
Insurance Metric Value US rank Home insurance (annual) $4,200 #183 of 200 Auto insurance (annual) $2,900 #181 of 200
Disaster risk & supplemental insurance Metric Value US rank Main natural hazards Notable hazards: hurricanes, flooding — separate flood/quake/windstorm policies may be needed. Flood insurance (annual, NFIP) $1,400 #185 of 200 Earthquake insurance (annual) $100 #1 of 200
Climate & air quality Metric Value US rank Air quality (median AQI, lower=cleaner) 46 #100 of 200 Cooling degree-days (AC load) 3,600 #180 of 200 Heating degree-days (heat load) 500 #4 of 200 Avg summer high 91°F #136 of 200 Avg winter low 52°F #4 of 200 Plant hardiness zone 10a Frost window 01-15 → 01-15
Safety Metric Value US rank Violent crime (per 100k) 380 #75 of 200 Property crime (per 100k) 1,950 #67 of 200
Local amenities & recreation Metric Value US rank Grocery stores 18 #180 of 200 Parks 25 Hiking areas 15 Golf courses 14 Shooting ranges 3 Lakes 5
Permits Metric Value US rank Building permit difficulty (1–5) 3 #87 of 200 Permit detail Moderate
US rank = this metro's position among all 200 metros (1 = best: cheapest / safest / highest income, etc.). Childcare is a family cost, not included in the salary-equivalence total.
Affiliate disclosure: some links on this site are affiliate links —
we may earn a commission when you use them, at no extra cost to you.
Estimates for guidance only — not financial or legal advice. Live/official data:
cost-of-living & grocery (BEA RPP); home price, rent, inventory, days-on-market (Zillow);
income & property tax (US Census ACS); electricity (US EIA); plant-hardiness (USDA);
crime (FBI UCR); local grocery, park, hiking, golf, shooting-range, lake & DMV
counts (Google Maps listings) via our own scraper.
Taxes (Tax Foundation) and insurance, emissions, permits, climate, wages and fuel use
sourced state/metro figures.