ZIP Code 32503 — Pensacola city, FL Demographics & Data

ZIP code 32503 covers Pensacola, FL in Escambia County with a population of about 32,975.

At a glance, the area shows median age of 34.3 versus a U.S. median of about 38.9.

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

Pensacola, FL sits in a university / college context (near pensacola state college (1.6 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 32503 is about $67,654 — about 10% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.1%; unemployment rate near 6.0%; 41.4% of adults with a bachelor’s degree or higher (about 7.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Food services; about 22.4% of workers reporting work-from-home (about 7.2 points above 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 $270,500 — about 22% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,024 (about 12% below the U.S. median rent ($1,163)), and owner-occupancy near 67.5% (about 2.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32503 in Pensacola, FL, a household would need roughly $74,000 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 $1,738. That is roughly in line with the local median household income ($67,654). 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 1,476 for ZIP 32503 (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.