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City · 5,281 residents · Escambia County, Florida

Pensacola Station , Florida

In Pensacola Station, typical rent is $1,797 a month. Compared with all of Escambia County, typical rent is 36% higher and typical household income is 6% higher.

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  • Typical rent

    $1,797a month

    36% above the county

    8% above Florida

    • Pensacola Station
    • Escambia
    • Florida

  • Typical household income

    $71,607a year

    6% above the county

    4% below Florida

    • Pensacola Station
    • Escambia
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Pensacola Station is in Escambia County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Escambia County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pensacola Station apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in West Pensacola, the typical rent is $1,138: 37% less than in Pensacola Station ($1,797).

  2. The typical rent in Pensacola Station is $1,797 a month, 36% more than in Escambia County as a whole ($1,321).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Pensacola Station

What homes there are in Pensacola Station, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Homes here are varied: attached houses (townhouses) are 39% of them, more than in Escambia County (3%), and no kind reaches half.

Year built

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Monthly rent with utilities

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The boundaries of Pensacola Station changed since 2015–2019, so the Census does not compare its figures from then and now. In Escambia County, the typical home value rose 76%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasurePensacola StationEscambia CountyFloridaUnited States
Rental vacancy Unreliable estimate5.6%7.6%5.5%
More than one person per room Unreliable estimate2.1%3.3%3.4%
People per household 2.672.382.512.53
Drive alone 26%70%70%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike 61%5%2%3%
Work from home 8%14%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.67 on average, against 2.38 in Escambia County.

In Pensacola Station, 61% of workers walk or bike to work; in Escambia County, 5%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Pensacola Station?

The Census Bureau publishes no typical home value or typical household income for Pensacola Station, so we don't measure how heavy the payment is. Enter your own numbers in the calculator. The Census Bureau publishes no typical home value for Pensacola Station, so the calculator starts with the one for Escambia County: $257,200. The rate is Freddie Mac’s weekly average (7.18%, November 5, 2026); yours may be different. The FHA and conventional loan limits are those of all of Escambia County. Change the price, the down payment or the loan type and see how your payment changes.

The calculator's FHA and conventional loan limits are those of all of Escambia County.

Your numbers

Local data
$

Starts at the typical home value in Pensacola Station. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $9,002 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,056

at 7.18% · 30 years

Loan amount
$252,541
Total interest
$363,348
Paid off in
November 2056

Includes $4,343 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,671 a month

  • Tight

    $1,671 to $2,148 a month

    Your payment · 34%

  • Hard

    more than $2,148 a month

Compared with the typical household income in Pensacola Station ($71,607 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,056
Principal & interest$1,711
Property tax$124
Home insurance$107
FHA mortgage insurance (MIP)$114

You need at least $9,002 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Pensacola Station and Escambia County

Pensacola Station is in Escambia County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Pensacola Station's own numbers

Typical monthly rent
$1,797
Typical yearly household income
$71,607

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Escambia County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,548
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
6.5%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Escambia County.

Everything about Escambia County

Buying

Buying a home in Pensacola Station

The Census Bureau publishes no typical home value for Pensacola Station. Below are the numbers for Escambia County.

How prices have changed in Escambia County

According to FHFA’s house price index, home prices in Escambia County rose 119% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Escambia County.

Period County Florida U.S.
Last year (2025) −0.4% −0.5% +2.9%
5 years (2020–2025) +53% +60% +47%
10 years (2015–2025) +119% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Pensacola Station next to Escambia County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical monthly rent
  • Pensacola Station $1,797
  • Escambia $1,321
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Pensacola Station $71,607
  • Escambia $67,500
  • Florida $74,568
  • United States $80,734
See the full table
Pensacola Station next to Escambia County and Florida
Measure Pensacola Station Escambia County Florida U.S.
Typical monthly rent $1,797 $1,321 $1,669 $1,413
Typical yearly household income $71,607 $67,500 $74,568 $80,734
Renters with high rent for their income 50% 56% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Escambia County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Pensacola Station

The Census Bureau publishes no typical home value for Pensacola Station, so we don't build this table. You can enter the price you're looking for in the calculator above.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Pensacola Station and for Escambia County.

Flood risk in Escambia County

FEMA does not publish these numbers by city: they are for all of Escambia County.

Homes in the high-risk zone
6.5%
7,909
Of those, with NFIP insurance
62%
County Florida U.S.
Homes in the high-risk zone 6.5% 13% 3.5%
Of those, with NFIP insurance 62% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pensacola Station

Typical rent in Pensacola Station is $1,797 a month: 36% above the county. In Pensacola Station, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Escambia County, by unit size. To pay the 2-bedroom one ($1,548 a month) without spending more than 30% of your income, you would need to earn $29.77 an hour working full time.

HUD fair market rent for all of Escambia County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,154 $22.19 $46,160
1 bedroom $1,359 $26.13 $54,360
2 bedrooms $1,548 $29.77 $61,920
3 bedrooms $2,034 $39.12 $81,360
4 bedrooms $2,435 $46.83 $97,400

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Pensacola Station

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pensacola Station has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,530 in 32507 to $2,120 in 32508.

1 of the 2 is above the fair market rent for Escambia County ($1,548).

  • 32507 $1,530$2,010
  • 32508 $2,120$2,790

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Pensacola Station when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Pensacola Station

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 2 HUD-approved agencies with an office in Escambia County; none says it serves in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Pensacola Station

No down payment, repair or rent-help program on our list is for Pensacola Station or Escambia County. The ones below are statewide in Florida: they work in Pensacola Station the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Pensacola Station

The HUD-approved agencies closest to the center of Pensacola Station, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Enterprise Investments, Incorporated

    302 North Barcelona St, Pensacola · 7 miles away

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 10 more
    850-595-6234-206

  • Pensacola Habitat for Humanity

    300 W Leonard St, Pensacola · 8 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (850) 434-5456

  • City of Panama City Community Development Corporation

    501 Harrison Ave, Panama City · 100 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (850) 872-7231

Every agency in Escambia County All counseling agencies in Florida

Help in Spanish near Pensacola Station

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Pensacola Station

In HUD’s record, no housing authority with an office in Escambia County is named for Pensacola Station or Escambia County.

2 other authorities have an office in Escambia County: see the list Source: HUD

Cities

Other cities in Escambia County

These cities are also in Escambia County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Escambia County Housing in Florida

Nearby cities

The cities closest to Pensacola Station, with the typical home value.

Neighboring counties

If Escambia County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Pensacola Station.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Pensacola Station

Short answers with the numbers for Pensacola Station and all of Escambia County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does it cost to rent in Pensacola Station?

Typical rent in Pensacola Station is $1,797 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Escambia County is $1,548.

What is the FHA loan limit in Pensacola Station?

Pensacola Station uses the FHA limit for all of Escambia County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

Where can I find free help to buy or rent in Pensacola Station?

There are 2 HUD-approved counseling agencies with an office in Escambia County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).