Escambia County, Florida home prices
Typical home $280,027 · +1.4% in a year · property tax 0.58%
The typical home in Escambia County is worth $280,027, 25% less than the Florida typical home ($375,361). Values changed +1.4% in the past year and +18.0% over five years. Homeowners here pay a median 0.58% of their home's value in property tax each year ($1,628 on the typical home), versus 0.8% statewide.
Mortgage on the typical Escambia County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $56,005 | $224,022 | $1,507 | $0 | $276 | $1,783 | $76,400 |
| 10% down | $28,003 | $252,025 | $1,695 | $105 | $276 | $2,076 | $89,000 |
| 5% down | $14,001 | $266,026 | $1,790 | $111 | $276 | $2,176 | $93,300 |
| 3.5% down (FHA) | $9,801 | $274,955 | $1,850 | $124 | $276 | $2,249 | $96,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.58% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Florida · part of the Pensacola metro area.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Wakulla County | $285,880 | +0.9% | 0.64% |
| Levy County | $287,334 | -0.7% | 0.63% |
| Okeechobee County | $289,216 | +0.8% | 0.74% |
| Hendry County | $270,219 | -4.1% | 0.8% |
| Citrus County | $268,688 | -0.8% | 0.58% |
| Leon County | $291,390 | +1.5% | 0.79% |
| Marion County | $267,911 | -2.2% | 0.74% |
| Columbia County | $267,659 | -0.0% | 0.74% |
| Suwannee County | $266,652 | +2.5% | 0.71% |
| Duval County | $294,079 | -0.3% | 0.75% |
Frequently asked questions
What is the average home price in Escambia County, FL?
The typical home value in Escambia County is $280,027 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Escambia County?
About $76,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Escambia County?
The median effective rate is 0.58% of home value a year (Census ACS 2024 5-year estimates).