Price History
Median Home Price
Median Rent
Stored observations from 2016-07-31 to 2026-06-29. Source: Zillow ZHVI/ZORI. Missing rents are shown as gaps.
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Purchase
Monthly Cash Flow
* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.
Score Breakdown
Based on 6.82% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.
Based on 1.0% YoY price growth. Moderate growth (3-8%) scores highest.
Based on 0.0% population growth. Growing areas indicate economic stability.
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%)
Challenges
- -Negative cash flow at typical financing (-$481/mo)
- -Negative leverage (cap rate 4.4% < mortgage rate 6.9%)
Counties in Pensacola, FL
Section 8 in Pensacola, FL: payment standards by ZIP, PHA waitlist status, and voucher counts are on VoucherMatch, the same HUD dataset with the tenant demand side attached.
Compare to Similar Metros
| Metro Area | Verdict | ||||||
|---|---|---|---|---|---|---|---|
Decatur, IL Decatur, IL | 80 | $126,931 | $928 | 8.77% | Strong Buy | View | |
Corning, NY Corning, NY | 80 | $171,646 | $1,293 | 9.04% | Strong Buy | View | |
Guymon, OK Guymon, OK | 80 | $168,571 | Est. | Strong Buy | View | ||
Union City, TN Union City, TN | 80 | $166,036 | Est. | Strong Buy | View | ||
Orangeburg, SC Orangeburg, SC | 80 | $163,772 | $1,320 | 9.67% | Strong Buy | View | |
Current Pensacola, FL | 60 | $310,470 | $1,765 | 6.82% | Buy |
The Bottom Line
The Pensacola, FL metro area scores 60/100, ranking #519 of 894 US metros (top 58%). The 6.82% rent-to-price ratio falls below the 1% monthly rent rule (12% annually). Check operating costs and financing before making an offer. Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.