The Most Affordable Communities in Escambia County, FL
Where are the most affordable communities in Escambia County, FL? Ranked below by MLS median sale price — an objective measure from recorded closings, not an opinion — the 20 lowest-priced communities we track in Escambia County start at $75,000. Every ranking is a snapshot: medians move with what actually sold.
Escambia County affordability at a glance
The 20 most affordable communities, ranked
| # | Community | City | Median price | 1-yr change | Days on mkt |
|---|---|---|---|---|---|
| 1 | Carlton Palms | Pensacola | $75,000 | -8.0% | 197 d |
| 2 | King George Estates | Pensacola | $75,000 | – | 88 d |
| 3 | Jackson Heights | Pensacola | $99,000 | – | 49 d |
| 4 | The Hamptons | Pensacola | $107,000 | +16.0% | 268 d |
| 5 | Cloverland | Pensacola | $115,000 | – | – |
| 6 | Cantonment Heights | Cantonment | $116,000 | +21.0% | 60 d |
| 7 | Pensacola Scenic Arms | Pensacola | $116,000 | +5.0% | 127 d |
| 8 | Myrtle Grove Park | Pensacola | $120,000 | +35.0% | – |
| 9 | Plantation Place | Pensacola | $132,000 | -2.0% | 108 d |
| 10 | Mill Ridge | Pensacola | $133,000 | – | 95 d |
| 11 | Oakcrest | Pensacola | $144,000 | -13.0% | 152 d |
| 12 | Olive Manor | Pensacola | $146,000 | +8.0% | 105 d |
| 13 | Ensley | Pensacola | $147,000 | -20.0% | – |
| 14 | Forest Park | Pensacola | $152,000 | +4.0% | 67 d |
| 15 | Pen Haven | Pensacola | $154,000 | +13.0% | 126 d |
| 16 | Wildewood | Pensacola | $155,000 | -1.0% | 31 d |
| 17 | Bayou Grande Villa | Pensacola | $162,000 | -1.0% | 252 d |
| 18 | Ebonwood | Pensacola | $166,000 | – | – |
| 19 | Westernmark | Pensacola | $168,000 | – | – |
| 20 | Luzon Heights | Pensacola | $170,000 | +78.0% | 79 d |
Ranked by MLS median sale price across recent closings in each community. A low median can reflect smaller homes, older stock, condo product, or land-lease/HOA structures — always compare what the price buys. Deemed reliable but not guaranteed.
What a low median actually means
A community median is set by what sold, so the cheapest entries on this list usually share a profile: smaller square footage, older construction, condo or manufactured product, or communities where land lease or age restrictions apply. Before you offer, check four things: the HOA or lot-rent obligation, the insurance quote (older roofs drive Florida premiums), whether financing is restricted (some condo buildings and land-lease parks limit loan types), and the property-tax reset — your bill is based on your purchase price, not the seller’s. Our buyer closing costs calculator and property tax calculator turn a list price into the real monthly number.
What it costs to own here
At Escambia County’s typical combined millage of 17.54 mills, a purchase at $75,000 (the lowest community median on this list) generates roughly $1,315 a year in property tax before exemptions — about $110 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in Escambia County average about $2,364 a year ($197 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in Escambia County near $1,751 (principal and interest on the typical home, tax, and insurance).
Run your exact numbers: the property tax after purchase calculator uses Escambia County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.
Demand and supply in Escambia County right now
In the most recent IRS migration data (2022-2023), Escambia County gained a net 975 people to relocation, with the largest inbound flows from AL, CA, VA. Households moving IN reported average incomes of $62,404 versus $62,012 for those leaving — the income mix of demand, straight from tax filings. Population is up about 3.8% over the recent multi-year window. On the supply side, builders pulled 1,398 residential permits in Escambia County in 2025 (1,366 single-family), down 4.4% year over year — against 1,989 at the 2022 peak. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as undervalued by about 12.2% versus its income-and-rent fundamentals.
The Escambia County market, in context
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.
The economy behind the market: {'drivers': 'the military (NAS Pensacola), finance (Navy Federal), healthcare, tourism, and aerospace', 'summary': "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.", 'employers': ['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'], 'jobNote': "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."}
What could change it: 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.
Near-term outlook: 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.
Run the numbers in Escambia County
- Find the best agent in Escambia County
- Get a cash offer in Escambia County
- Escambia County housing scorecard
- What would selling net you
- Buyer closing costs calculator
Looking at the other end of the market? See the luxury communities in Escambia County.
Common questions
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Rankings are objective MLS median-sale-price aggregates as of 2026-06-16, change over time, and are deemed reliable but not guaranteed. They describe home prices only, not any characteristic of residents. Equal Housing Opportunity.