Investor market data · Florida

Pensacola, FL Rental Market for Investors

An estimated 66% of Pensacola's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of August 2026.

See what pencils →Run a DSCR

$338,495Median list price1,320 active listings

$40,787Median STR revenue / yrprojected, gross

Homes in Pensacola that pencil right now

A sample of active Pensacola listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of August 2026.

$125,000DSCR 2.41
3 bed · 1 bath · 1,002 sqft
House in 32506 · built 1951
STR revenue
$31,164/yr
Est. interest-only payment
$862/mo
On the market 118 days · Listed by Scenic Realty Group, LLC
Scout this home & market: 3-bed house in Pensacola
$179,000DSCR 2.03
4 bed · 2 bath · 1,298 sqft
House in 32505 · built 1960
STR revenue
$35,134/yr
Est. interest-only payment
$1,151/mo
On the market 135 days · Listed by LPT REALTY LLC
Scout this home & market: 4-bed house in Pensacola
$199,900DSCR 1.86
2 bed · 2 bath · 1,035 sqft
House in 32501 · built 2008
STR revenue
$37,426/yr
Est. interest-only payment
$1,342/mo
On the market 10 days · Listed by Palm Island Realty Group, Llc
Scout this home & market: 2-bed house in Pensacola
$225,000DSCR 1.75
3 bed · 2 bath · 1,091 sqft
House in 32501 · built 1942
STR revenue
$36,526/yr
Est. interest-only payment
$1,395/mo
On the market 282 days · Listed by LEVIN RINKE REALTY
Scout this home & market: 3-bed house in Pensacola
$235,000DSCR 1.85
3 bed · 2 bath · 1,247 sqft
House in 32526 · built 2002
STR revenue
$39,098/yr
Est. interest-only payment
$1,411/mo
On the market 39 days · Listed by TEAM SANDY BLANTON REALTY
Scout this home & market: 3-bed house in Pensacola
$242,400DSCR 1.45
3 bed · 2 bath · 1,244 sqft
House in 32534 · built 2002
STR revenue
$35,057/yr
Est. interest-only payment
$1,613/mo
On the market 73 days · Listed by Coldwell Banker Realty
Scout this home & market: 3-bed house in Pensacola
$269,000DSCR 1.38
4 bed · 2 bath · 1,177 sqft
House in 32501 · built 1997
STR revenue
$32,920/yr
Est. interest-only payment
$1,591/mo
On the market 86 days · Listed by Conna O'Donovan Real Estate LLC
Scout this home & market: 4-bed house in Pensacola
$299,000DSCR 1.39
3 bed · 2 bath · 1,293 sqft
House in 32502 · built 2019
STR revenue
$41,267/yr
Est. interest-only payment
$1,976/mo
On the market 391 days · Listed by LEVIN RINKE REALTY
Scout this home & market: 3-bed house in Pensacola
$329,900DSCR 1.29
3 bed · 2.5 bath · 1,971 sqft
House in 32514 · built 1971
STR revenue
$38,757/yr
Est. interest-only payment
$2,005/mo
On the market 103 days · Listed by Connell & Company Realty, Inc.
Scout this home & market: 3-bed house in Pensacola

Ask about Pensacola deals →Run any address yourself

As of August 2026, we analyzed 1,320 active for-sale homes in Pensacola, Florida. The typical listing is priced at $338,495 and is projected to generate about $40,787 a year as a short-term rental.

After setting aside an estimated 20% for operating costs, an estimated 65.8% of those homes could still cover an investor mortgage payment on short-term-rental income — well above the 52.5% median across the 200 major metros we track, ranking Pensacola #43 of 200 for cash-flow potential.

On market momentum: homes in Pensacola sit a median of 69 days on the market, and 26% of active listings came on in just the last 30 days — a steadily paced market, which shapes how much room there is to negotiate.

For a DSCR loan — which qualifies on the property's rental income rather than your personal income — that's a relatively healthy setup: in Pensacola, a meaningful share of listings throw off enough short-term-rental income, after costs, to cover an estimated investor mortgage payment.

What actually works in Pensacola

Pensacola is a broad cash-flow market right now: 495 of the 1,098 Pensacola homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $330,000.

Share of those listings clearing an DSCR of 1.25, by price and bedroom count. The smaller figure is the median DSCR for that group.
Price	1 bed	2 bed	3 bed	4 bed	5 bed
$150k–$250k	—	82%1.50	98%1.78	100%2.03	—
$250k–$350k	10%1.04	27%1.17	60%1.35	79%1.40	—
$350k–$500k	13%1.15	5%0.90	7%0.97	9%1.09	73%1.39
$500k+	—	0%0.73	0%0.65	2%0.65	3%0.63

Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.

Pensacola in full

Active for-sale homes analyzed	1,320
Median list price	$338,495
Median projected STR revenue (annual, gross)	$40,787
Median average daily rate (ADR)	$187
Median occupancy	59%
Median beds	3
Median size	1,681 sqft
Estimated cash-flow-positive share	65.8%
Median days on market	69 days
New listings (last 30 days)	25.5% of active