Investor market data · Florida

Pensacola, FL Rental Market for Investors

An estimated 65% of Pensacola's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of October 2026.

See what pencils →Run a DSCR

$340,000Median list price1,251 active listings

$41,036Median 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 October 2026.

$184,500DSCR 1.44
2 bed · 2 bath · 1,290 sqft
House in 32504 · built 1984
STR revenue
$27,565/yr
Est. interest-only payment
$1,274/mo
On the market 142 days · Listed by Berkshire Hathaway Home Services PenFed Realty
Scout this home & market: 2-bed house in Pensacola
$199,000DSCR 2.02
2 bed · 3 bath · 1,376 sqft
House in 32507 · built 1923
STR revenue
$37,376/yr
Est. interest-only payment
$1,231/mo
On the market 143 days · Listed by Realty Pro Group LLC
Scout this home & market: 2-bed house in Pensacola
$248,000DSCR 1.29
3 bed · 2 bath · 1,425 sqft
House in 32505 · built 2023
STR revenue
$32,381/yr
Est. interest-only payment
$1,672/mo
On the market 948 days · Listed by TEAM SANDY BLANTON REALTY
Scout this home & market: 3-bed house in Pensacola
$260,000DSCR 1.43
3 bed · 2 bath · 1,534 sqft
House in 32534 · built 2005
STR revenue
$38,238/yr
Est. interest-only payment
$1,779/mo
On the market 68 days · Listed by Century 21 BE3
Scout this home & market: 3-bed house in Pensacola

Ask about Pensacola deals →Run any address yourself

As of October 2026, we analyzed 1,251 active for-sale homes in Pensacola, Florida. The typical listing is priced at $340,000 and is projected to generate about $41,036 a year as a short-term rental.

After setting aside an estimated 20% for operating costs, an estimated 65.4% of those homes could still cover an investor mortgage payment on short-term-rental income — well above the 53.1% median across the 200 major metros we track, ranking Pensacola #45 of 200 for cash-flow potential.

On market momentum: homes in Pensacola sit a median of 67 days on the market, and 25% 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: 492 of the 1,043 Pensacola homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $349,000.

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	—	83%1.50	98%1.72	97%1.86	—
$250k–$350k	10%1.16	32%1.16	64%1.36	83%1.46	—
$350k–$500k	0%1.13	10%0.88	9%0.98	23%1.13	91%1.54
$500k+	—	0%0.76	1%0.62	3%0.75	0%0.69

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	1,251
Median list price	$340,000
Median projected STR revenue (annual, gross)	$41,036
Median average daily rate (ADR)	$190
Median occupancy	59%
Median beds	3
Median size	1,665 sqft
Estimated cash-flow-positive share	65.4%
Median days on market	67 days
New listings (last 30 days)	25.2% of active