Pensacola, FL — Rental Investment Analysis

🟡MODERATE— average returns

Cap Rate

4.7%

Below average

Monthly Cash Flow

-$397

After all expenses

Price-to-Rent

12.9

Investor-friendly

DSCR

0.73

Fails

📊 Key Metrics

Median Home Price: $269,446
Average Rent (3BR): $1,710/mo
Price-to-Rent Ratio: 12.9(good)
1% Rule: 0.65%(fails — need 1%+)
Cash-on-Cash Return: -7.5%
Vacancy Rate: 8.0%

📈 Market Strength

Unemployment Rate: 4.8%(+0.5% vs national)
Rent Growth (YoY): +2.9%(national avg)
Population Growth: +5.6% YoY

Assumptions Used

20% down, 7.000000000000001% rate, 30yr, 8% vacancy, 10% maintenance

Customize these numbers →

Property Tax Rate

0.86%

of assessed value (FL avg)

Median Income

$63,062

household (FL avg)

Rent-to-Income

32.5%

Moderate

Section 8 Max Rent

$1,710/mo

3BR voucher payment

🏛️ FL Investor Climate

Landlord Friendly

8/10

State Income Tax

✅ None

Property Tax

0.86% effective

Population Trend

+5.6% (3yr)

🏘️ Best Zip Codes in Pensacola for Investors

32505

Cap Rate: 8.6%Cash Flow: +$277/mo$148,764

32534

Cap Rate: 5.7%Cash Flow: -$148/mo$239,692

32514

Cap Rate: 5.3%Cash Flow: -$227/mo$259,973

All Zip Codes in Pensacola

Zip	Cap Rate	Cash Flow	Home Price	Rent (3BR)	DSCR
32505	8.6%	+$277	$148,764	$1,560/mo	1.35
32534	5.7%	-$148	$239,692	$1,790/mo	0.88
32514	5.3%	-$227	$259,973	$1,860/mo	0.84
32506	5.3%	-$219	$244,154	$1,740/mo	0.83
32504	4.7%	-$386	$270,196	$1,750/mo	0.73
32526	4.7%	-$408	$282,037	$1,820/mo	0.73
32503	3.9%	-$607	$294,447	$1,680/mo	0.61
32501	3.7%	-$605	$268,697	$1,470/mo	0.58
32502	3.2%	-$884	$335,581	$1,680/mo	0.51
32507	2.8%	-$1,106	$367,304	$1,670/mo	0.43