Escambia County real estate, your questions answered.
Short answer: as of 2026-08-01, Escambia County scores 70/100 (strong buyer value) on our buyer-value scale, the typical home is worth $283,690, the market looks about 12% undervalued, and average insurance runs about $2,364 a year.
Answers update from live data (2026-08-01). For the full numbers, see the Escambia County housing scorecard.
| Momentum Market Score | 70/100 (strong buyer value) |
|---|---|
| Typical home value | $283,690 |
| 1-year price change | 1.2% |
| Overvaluation vs local income | about 12% undervalued |
| Cap rate (rent yield) | 7.02% |
| Avg insurance / year | $2,364 |
Is now a good time to buy a house in Escambia County?
As of 2026-08-01, our Momentum Market Score for Escambia County is 70 out of 100, which reads strong buyer value, meaning the market is priced low against incomes with real negotiating room. Prices are rising (1.2% over the past year) and the area looks about 12% undervalued versus local incomes. A higher score means more buyer value and negotiating leverage; see the full Escambia County scorecard for the breakdown.
Is Escambia County a buyer's or seller's market?
Escambia County currently reads strong buyer value on our 0 to 100 score (70/100), so it is priced low against incomes with real negotiating room. The score blends home value versus local incomes, price cuts, inventory trend, affordability and rent yield.
Are home prices going up or down in Escambia County?
The typical home in Escambia County is worth $283,690 (Zillow, 2026-08-01). Prices are rising over the last year (1.2%) and have moved about 4.3% a year over five years.
Is Escambia County housing overvalued?
On price versus the area's own long-run relationship with local income, Escambia County looks about 12% undervalued, with a price-to-income ratio of 4.32x. This compares the current typical value to its historical norm, not to other markets.
How much does a house cost in Escambia County?
The typical Escambia County home is worth about $283,690 as of 2026-08-01, against a county median household income near $65,715.
How much is homeowners insurance in Escambia County?
The average Citizens Property Insurance premium in Escambia County is about $2,364 a year. Citizens is Florida's insurer of last resort, so that is a realistic floor; private quotes vary by roof age, elevation and flood zone. In Florida, insurance is now one of the largest line items in a housing budget.
Is Escambia County a good place to invest in rental property?
The gross rent yield (cap-rate proxy) in Escambia County is about 7.02%, with typical rent near $1,660 a month on a $283,690 home. Run the full numbers, including taxes and insurance, in our Florida investment property calculator.
Are people moving to or from Escambia County?
In the latest IRS migration data, Escambia County is net gaining about 812 households a year, drawing the most out-of-state arrivals from AL and CA.
Sources: Zillow, Realtor.com, U.S. Census, Freddie Mac/FRED, IRS migration, Citizens Property Insurance. Scores by Momentum Realty. Informational only, not investment, legal or insurance advice. Escambia County scorecard · all county Q&A · all scorecards.