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Pensacola city, FL

ZIP 32503 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32503

Median Home Value
$270,500
Median Rent
$1,024
Affordability Snapshot
$74,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,738/mo PITI).

18%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

22.0 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 32503 in Pensacola city, 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
67.5%+3% vs US avg
x
Vacancy Rate
9.4%-8% vs US avg
x
Broadband Access
90.1%+4% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
4.8%-63% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
24.6%-50% vs US avg
x
Mortgage-Free
48.0%+26% vs US avg
x
$270,500
Home Value
$1,024
Rent
1968
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached74.1%
  • 1-unit attached2.3%
  • 2-9 units13.8%
  • 10+ units7.6%
  • Mobile home & other2.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$270,500
Median rent$1,024
Owner-occupied67.5%
Vacant9.4%
Price-to-income4.0x
Est. income to buy$74,000