Escambia County Homes for Sale

Northwest Florida · county seat Pensacola · 323,275 residents

Escambia County is Pensacola — Florida's westernmost county, a Navy town with sugar-white Gulf Islands National Seashore beaches, a fast-growing Navy Federal Credit Union campus, and some of the most affordable coastal living in the state.

1,770 homes for saleMedian $280KBalanced MarketNorthwest Florida
Live Market Pulse
61/100
Momentum
Balanced Market
Buyer 7/10 · Seller 5/10 · Investor 7/10. Among the most affordable beach-adjacent markets in Florida, with a stable military-and-Navy-Federal job base underpinning demand.
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Built fromZillow & Realtor.com datarealMLS listingsCensus & IRSUpdated monthly
LiveMarket PulseApril 2026
$280K
Median Value
+0.7%
1-Yr Price
62days
Avg DOM
20.0%
Price Cuts
Balanced
Seller Leverage
$199/sf
Median $/Sqft
1,770
For Sale
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Escambia County is Pensacola — Florida's westernmost county, a Navy town with sugar-white Gulf Islands National Seashore beaches, a fast-growing Navy Federal Credit Union campus, and some of the most affordable coastal living in the state. For buyers that means real negotiating room; for sellers, sharp pricing and a willingness to offer a concession. The county median is a starting point — the number that matters is the one for a specific home in a specific Escambia County neighborhood, which is what we price against live comps."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Escambia County snapshot (April 2026): typical home value $280K ($199/sqft), median rent $1,662, about 1,770 active listings, a median 62 days on market, and 20.0% of listings cutting price — a balanced market. Values are +0.7% over the past year and +5.1% over five years.

Escambia's economy centers on the U.S. Navy — Naval Air Station Pensacola, the 'Cradle of Naval Aviation' and home of the Blue Angels — and on Navy Federal Credit Union, whose Greater Pensacola operations employ over 9,000 and are still growing past 10,000. Healthcare (Baptist Health Care and Ascension Sacred Heart), aerospace (ST Engineering, GE Aerospace), and Gulf tourism round out the base.

Entry
under $196K

Condos, townhomes, and starter homes — the lowest-cost way into Escambia County and its school zones.

Core
$196K–$365K

The heart of the market: established single-family homes and newer planned-community product.

Top
$365K+

Luxury, waterfront, acreage, and custom homes — the county's strongest-resale tier.

Rolled-up counts and medians from Realtor.com, April 2026. Price bands are typical ranges for orientation, not an appraisal.

Escambia County Market Scorecard

Balanced Market

Escambia County is a balanced market: about 1,770 active listings, a median list price of $338,000, 20.0% of them cutting price, and homes going under contract in about 62 days.

$280K
Typical value
652
New / mo
$199
$/sqft
62
Days on mkt
20.0%
Cut price
$1,662
Median rent
Typical home value · last 13 months $280K

Go deeper: county scorecard · all 67 counties · true cost calculator · affordability calculator.

Typical value & rent: Zillow Research. Listings & days on market: Realtor.com, April 2026. Market metrics describe homes for sale and recent sales, not residents.

Should You Buy, Sell, or Invest Here?

7/10
Buyer

Among the most affordable beach-adjacent markets in Florida, with a stable military-and-Navy-Federal job base underpinning demand.

5/10
Seller

Steady military and healthcare demand, though buyers weigh coastal insurance carefully.

7/10
Investor

Affordable entry plus a large military-and-Navy-Federal renter base make Pensacola a solid cash-flow market.

Cash offer
~$252K
  • Close in as little as 7–14 days
  • No repairs, cleaning, or showings
  • No financing fall-through
  • Pick your move-out date
List with Momentum
~$280Ktypical value
  • Often nets more, even after commission
  • Sells 1.25% above MLS average, 8 days faster
  • Full marketing & negotiation
  • We front the prep with our concierge

Figures are illustrative ranges, not an offer. Your actual cash offer and net-to-seller depend on the home's condition, location, and current Escambia County demand. Compare both at our Escambia County cash-offer page.

Schools in Escambia County

Escambia County Public Schools includes several strong magnet and IB options, and many schools carry the Purple Star designation for military-family support; quality varies, with the strongest demand on the Gulf-side and northern suburban zones.

  • West Florida High School of Advanced Technology (magnet)
  • Pensacola High School (IB)
  • Booker T. Washington High School
  • Tate High School

Confirm the zoned assignment and magnet/IB eligibility; note that nearby Gulf Breeze and Pace (in Santa Rosa County) draw many military families for schools. See school-zone guides →

Taxes, Insurance & Cost to Own

A median-priced Escambia County home costs about $2,146/month all-in (mortgage, tax, and insurance, 10% down) against median household income of $65,715. Florida's homestead exemption removes up to $50,000 of assessed value, and Save Our Homes caps annual assessed-value increases at 3% while you keep the homestead.

Typical property-tax millage17.538 mills (~1.75% before exemptions)
Avg. homeowners insurance$2,364/yr (Citizens county avg)
Homestead exemptionUp to $50,000 + 3% Save Our Homes cap
Est. all-in monthly (PITI)$2,146/mo on a $280K home
Income to buy median home$85,835/yr (est.)

At about $2,364 a year, Escambia sits on the higher end for Florida, so build insurance into your offer math from day one. Wind-mitigation features earn insurance credits; flood insurance is priced separately by address. Run your own numbers with the true cost calculator.

New Construction in Escambia County

Builders pulled 1,398 residential permits last year (-4.4% YoY) — 1,366 single-family and 32 multifamily, about 4.3 per 1,000 residents. Active master-planned communities include Nature Trail; Beulah-area new construction; Marcus Pointe; Ashbury Hills. Builders compete on rate buydowns and closing-cost credits; buyer representation matters even on a new build. See active builders →

Population & Migration

Escambia County has about 323,275 residents. On a net domestic basis it gained roughly 975 people and a net +$54.97M in adjusted gross income in the latest IRS filing year (county-to-county moves within the U.S.; this does not count international migration or births). Domestic arrivals are led by AL, CA, VA, TX. Migration is the demand engine behind prices: when more income flows in than out, it supports both rents and values.

12-Month Forecast

Expect Escambia to stay steady-to-firm over the next 12 months: the military and the growing Navy Federal campus underpin demand, affordability keeps it attractive, and the main brake is coastal insurance near the beaches.

PensacolaCounty seat; historic downtown, the bayfront, NAS, and Navy Federal.
Pensacola BeachSugar-white barrier-island beach on Santa Rosa Island.
Perdido KeyQuieter beach community on the Alabama line.
Cantonment / MolinoAffordable northern suburbs and rural areas.
CenturySmall town at the county's far north.

Economy & Major Employers

Escambia's economy centers on the U.S. Navy — Naval Air Station Pensacola, the 'Cradle of Naval Aviation' and home of the Blue Angels — and on Navy Federal Credit Union, whose Greater Pensacola operations employ over 9,000 and are still growing past 10,000. Healthcare (Baptist Health Care and Ascension Sacred Heart), aerospace (ST Engineering, GE Aerospace), and Gulf tourism round out the base.

  • Navy Federal Credit Union (Pensacola operations — 9,000+)
  • Naval Air Station Pensacola (U.S. Navy)
  • Baptist Health Care
  • Ascension Sacred Heart
  • Escambia County School District
  • University of West Florida
  • ST Engineering / GE Aerospace

Navy Federal Credit Union's Pensacola campus employs over 9,000 and is growing past 10,000; NAS Pensacola is the 'Cradle of Naval Aviation' and home of the Blue Angels.

A deep, diversified employer base is what underpins housing demand through national cycles. Talk to a local Escambia County agent →

Master-plannedNature Trail, Beulah-area new construction, Marcus Pointe, Ashbury Hills
GolfA.C. Read (NAS), Marcus Pointe Golf Club, Scenic Hills
WaterfrontPensacola Beach, Perdido Key, Bayfront / Scenic Highway, Perdido Bay
LuxuryScenic Highway bluffs, Pensacola Beach / Perdido Key Gulf-front, downtown historic district
55+ / active adultNature Trail, Marcus Pointe, select active-adult sections

Lifestyle in Escambia County

Escambia is Gulf-coast and history all at once: the sugar-white sand of Pensacola Beach and the Gulf Islands National Seashore, the Blue Angels practicing over NAS, the National Naval Aviation Museum, a charming historic downtown and Palafox Street scene, and Perdido Key's quieter shores. It delivers a genuine beach lifestyle at prices well below peninsular Florida.

Risks to Weigh

Escambia's risks are hurricane and storm surge on the barrier islands and bayfront — the western Panhandle has taken major storms (Ivan, Sally) — plus rising coastal insurance. Inland and north-county areas carry lower risk and the lowest prices. Some older urban pockets have softer income profiles.

Escambia County Real Estate FAQ

What is the median home price in Escambia County?
The typical Escambia County home is worth about $280K as of April 2026 (Zillow ZHVI), +0.7% over the past year. The median list price is similar; individual neighborhoods range widely around that figure.
Is Escambia County a buyer's or seller's market?
As of April 2026, Escambia County is a balanced market. Homes are taking a median of 62 days to sell, and inventory has rebuilt from its lows, giving buyers more room to negotiate than in recent years.
Is Escambia County expensive?
Escambia County's price-to-income ratio is about 4.3×, which is below the typical Florida county. The bigger cost surprises for newcomers are property insurance and, in newer communities, CDD fees — not the sticker price.
What is the average rent in Escambia County?
The median rent is about $1,662 a month (Zillow ZORI). Against the typical home value, that is a gross rental yield near 7.1%.
Are property taxes high in Escambia County?
The typical millage is about 17.538 mills, or roughly 1.75% of taxable value before exemptions. Florida's $50,000 homestead exemption and the Save Our Homes 3% assessment cap meaningfully lower the bill for owner-occupants.
How much is homeowners insurance in Escambia County?
The Citizens county-average premium is about $2,364 a year, but your actual cost depends heavily on the home's age, roof, construction, and flood zone. Wind-mitigation credits can lower it; flood insurance is priced separately by address.
Is Escambia County a good place to invest in real estate?
Affordable entry plus a large military-and-Navy-Federal renter base make Pensacola a solid cash-flow market.
Is Escambia County growing?
Escambia County has about 323,275 residents and is still drawing net in-migration of people and income. Migration and jobs are the forces most likely to support prices through the rate cycle.
How long do homes take to sell in Escambia County?
A median of about 62 days on market as of April 2026, longer than the 2021-2022 frenzy and a sign of today's more balanced conditions.
What are the best areas to live in Escambia County?
The county seat, Pensacola, anchors the market, and the right area depends on whether you prioritize schools, commute, the water, or new construction. Our neighborhood guides map each on price, schools, and lifestyle.
What is the price per square foot in Escambia County?
Listings in Escambia County are priced around the area's median per-square-foot rate as of April 2026; smaller, older, and inland homes run below it, while new construction and waterfront run above. Per-square-foot is most useful within a single neighborhood, not across the whole county.
How much income do I need to buy a home in Escambia County?
As a rough rule, a buyer needs household income roughly in line with the county's price-to-income ratio of 4.3× the home price, keeping total housing costs near 30% of income. Median household income here is $65,715. A lender pre-approval gives you the exact figure for your situation.
Is now a good time to buy in Escambia County?
It depends on your horizon. For buyers planning to stay several years, today's balanced market conditions — more inventory and routine price cuts — offer better terms than the 2021-2022 peak. For short-term flips, flat appreciation makes the math tight. The right answer is specific to the home and your timeline.
Do I need flood insurance in Escambia County?
It depends on the address. Homes in FEMA high-risk flood zones (A or V) typically require flood insurance with a federally backed mortgage, and even outside those zones it can be worth carrying in low-lying or coastal parts of Escambia County. Flood premiums are priced separately by address under FEMA Risk Rating 2.0, so always check the flood zone before you buy.
Is Escambia County a good place to retire?
Florida's lack of a state income tax and the homestead/Save Our Homes protections make Escambia County attractive for retirees on a fixed income, especially in its 55+ and lower-maintenance communities. Weigh that against insurance costs and proximity to healthcare when you choose a specific area.
How fast are home prices rising in Escambia County?
Over the past year, the typical Escambia County home value moved +0.7%. Over five years it is +5.1% and over ten years +7.2% — so the long-run trend is up even though near-term growth has cooled.
What is the cost of living in Escambia County?
Housing, insurance, and property tax are the main local cost drivers; Florida charges no state income tax. A median-priced home runs about $2,146 a month all-in (mortgage, tax, and insurance), against median household income of $65,715 a year. Utilities, transportation, and healthcare track close to state averages.
What are the risks of buying in Escambia County?
The main ones are hurricane and flood exposure (which drive insurance costs), rising premiums statewide, and — in fast-growing submarkets — overbuilding that can soften resale and rents. On older condos, ask about reserves and special assessments. None are dealbreakers, but all belong in your budget before you offer.
Is Escambia County good for real estate investors?
Escambia County's estimated cap rate is about 7.1% with a gross yield near 7.1%, so it leans cash-flow-friendly. Net migration and the local job base are the demand signals that matter most for landlords here.
What counties are near Escambia County?
See the 'Explore more' section on this page for direct links to the neighboring county market reports, plus the full set of scorecards for all 67 Florida counties.
Has inventory in Escambia County gone up?
Yes — active listings are -11.7% versus a year ago. That rebuild from pandemic-era lows is the single biggest reason buyers have more leverage now than they did in 2021-2022.
Is Pensacola a good place to buy on a military or Navy Federal income?
Yes — Escambia is built around NAS Pensacola and the large Navy Federal campus, with affordable housing, Purple Star military-friendly schools, and beach access. Many military families also look just across the line to Gulf Breeze and Pace in Santa Rosa County for public schools; weigh commute to base against school zone when choosing.

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Hiring an agent? How to find the best real estate agent in Escambia County — by community, with questions to ask and local market data.