What is the cost of living in Pensacola, FL?
According to the most recent data on the cost of living, Pensacola has an overall cost of living index of 107, which is 1.1x higher than the national index of 100.
Compared to Florida, Pensacola has a cost of living index that's 1.0x higher than Florida's index of 104.
The standard of living in Pensacola ranks as #179 most affordable out of the 462 places we measured in Florida. By definition, that implies Pensacola ranks as the #283 most expensive place in the Sunshine State.
For more reading on life in Pensacola, check out:
Pensacola Cost Of Living Vs. Florida
Six factors go into calculating the cost of living index in Pensacola. Here is how it fares on each of the criteria:
The Services index in Pensacola is 99.
The Groceries index in Pensacola is 105.
The Health index in Pensacola is 110.
The Housing index in Pensacola is 106.
The Transportation index in Pensacola is 112.
The Utilities index in Pensacola is 103.
| Living Expense | Pensacola | Florida | National Average |
|---|---|---|---|
| Overall | 107 | 104 | 100 |
| Services | 99 | 101 | 100 |
| Groceries | 105 | 105 | 100 |
| Health | 110 | 99 | 100 |
| Housing | 106 | 104 | 100 |
| Transportation | 112 | 109 | 100 |
| Utilities | 103 | 105 | 100 |
Pensacola Cost Of Living Compared To Florida Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Florida, check out:
Protect your home budget Compare home warranties in Pensacola Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Pensacola, FL Housing Cost Breakdown
Housing swings affordability the most between places in Florida, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Pensacola is $265,791.
The Median Rent in Pensacola is $1,322.
The Median Income in Pensacola is $74,212.
The Home Value To Income in Pensacola is 3.6x.
The Rent To Monthly Income in Pensacola is 0.21x.
Pensacola, FL Costs By Category
Detailed Pensacola Services costs vs. Florida
Detailed Pensacola Groceries costs vs. Florida
Detailed Pensacola Health costs vs. Florida
Detailed Pensacola Transportation costs vs. Florida
Pensacola SnackAbility
Cost Of Living In Cities Around Pensacola
The cost of living varies in the cities and towns around Pensacola. Here's a quick look at the cost of living in the most populous nearby places:
Navarre, FL has a cost of living index of 116, 1.1x Pensacola.
Ferry Pass, FL has a cost of living index of 101, 0.9x Pensacola.
Bellview, FL has a cost of living index of 96, 0.9x Pensacola.
| City | Population | Cost Of Living | Vs. Pensacola |
|---|---|---|---|
| Navarre, FL | 39,838 | 116 | 1.1x |
| Ferry Pass, FL | 30,053 | 101 | 0.9x |
| Bellview, FL | 26,488 | 96 | 0.9x |
| Pace, FL | 26,282 | 104 | 1.0x |
| Brent, FL | 23,813 | 91 | 0.9x |
| Ensley, FL | 23,760 | 96 | 0.9x |
| West Pensacola, FL | 20,665 | 88 | 0.8x |
| Warrington, FL | 15,918 | 92 | 0.9x |
| Myrtle Grove, FL | 15,595 | 95 | 0.9x |
| Gonzalez, FL | 14,458 | 100 | 0.9x |
