ZIP Code 32501 — Pensacola city, FL Demographics & Data

ZIP code 32501 covers Pensacola, FL in Escambia County with a population of about 10,721.

At a glance, the area shows median age of 38.7 (near the U.S. median).

It sits in telephone area codes 448, 850; U.S. House district FL-1; the MOBILE - PENSACOLA (FT WALT) media market.

Median household income in ZIP 32501 is about $39,127 — about 48% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 27.5%; unemployment rate near 13.5%; 30.3% of adults with a bachelor’s degree or higher (about 3.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Food services; about 12.3% of workers reporting work-from-home (about 2.9 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $277,500 — about 20% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $764 (about 34% below the U.S. median rent ($1,163)), and owner-occupancy near 50.1% (about 15.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32501 in Pensacola, FL, a household would need roughly $76,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,783. That is about 94% above the local median household income ($39,127), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Pensacola city, FL as Relatively High (composite score 95.1), which is among the highest nationally. The strongest component scores on US5 are hurricane (98.8) and flood (88.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Pensacola city, FL show little to no average snow and around 68.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 480 for ZIP 32501 (Pensacola city, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.