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Pensacola, Florida Retirement Guide
tax-friendly for retireesestablished retirement community
70
Retirement Score
Pensacola, Florida at a Glance
- Median Home Price
- $248,100
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 47.9°F
- Cost of Living Index
- 102.3 (US avg = 100)
- Best For
- tax-friendly for retirees, established retirement community
- RetireCityIQ Score
- 70 / 100
Retirement Data
Affordability
Cost of Living Index
102.3 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$248,100High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,150High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax Score
100 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
No state income tax; Social Security and pension income fully exempt.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
65.3 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
33.7 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
65.3 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
86.7°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
47.9°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
56.7"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
320 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
66 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
15.1 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
3.1 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
54,059High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
39.1High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
20.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$67,722High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
62.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
11.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
40.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
14.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
66.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
23.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
4.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
2.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Pensacola using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$538
Stress-case monthly carrying cost
$604
Median home price used: $248,100
Median rent reference: $1,150 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.