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Market MapPensacola, FL
Metropolitan Area

Pensacola, FL

Florida02 counties
56
/100
Hold
#604 of 894 metros
Top 67% nationally for investing

Market Snapshot

$301,555
Median Home Price
23% above national median
$1,715/mo
Median Rent
24% above national median
6.82%
Rent-to-Price Ratio
Top 31% nationally
-$466
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$301,555
Down Payment (20%)$60,311
Loan Amount$241,244
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,715
Monthly P&I-$1,581
Est. Expenses (35%)-$600
Net Cash Flow-$466/mo
4.4%
Cap Rate (all cash)
-8.1%
Cash-on-Cash Return
6.82%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 4.4% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
56/100
56
Cash Flow(30%)
68/100

Based on 6.82% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
40/100

Based on -2.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
65/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Above-average rent-to-price ratio (6.82%)
  • +Low unemployment (0.0%)
  • +Multiple counties (2) for portfolio diversification

Challenges

  • -Declining home values (-2.0% YoY)
  • -Negative cash flow at typical financing (-$466/mo)
  • -Negative leverage (cap rate 4.4% < mortgage rate 6.9%)

Counties in Pensacola, FL

Best Overall
Santa Rosa
FL - Score: 58
Best Cash Flow
Escambia
FL - Score: 57
Verdict
Santa RosaFL
188,99458$342,427$1,9686.90%HoldView
EscambiaFL
321,29657$271,898$1,5977.05%HoldView

Click any county to see detailed investment analysis

Compare to Similar Metros

Metro AreaVerdict
Saginaw, MI
Saginaw, MI
76$164,025$1,0597.74%Strong BuyView
Abilene, TX
Abilene, TX
76$198,352$1,6439.94%Strong BuyView
Charleston, IL
Charleston, IL
76$140,001$8447.23%Strong BuyView
Jackson, MS
Jackson, MS
76$204,769$1,5348.99%Strong BuyView
London, KY
London, KY
76$156,780Est.Strong BuyView
Current
Pensacola, FL
56$301,555$1,7156.82%Hold

The Bottom Line

HoldPensacola, FL is a neutral market. Consider house hacking or targeting below-market deals in specific counties.

The Pensacola, FL metro area scores 56/100, ranking #604 of 894 US metros (top 67%). The 6.82% rent-to-price ratio indicates moderate cash flow potential. Among 2 counties, Santa Rosa shows the strongest investment potential (score: 58). Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-466/mo
Cap Rate
4.4%
Cash-on-Cash
-9.3%

Ready to Invest in Pensacola, FL?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

Single Family1-4 unit rentalsHouse HackOwner-occupiedMultifamily5+ unit propertiesBest CountySanta Rosa
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