HomeFloridaEscambia CountyPensacola city
Pensacola city, Florida: commercial real estate data.
Pensacola city is a Census city of 54,036 people across 22.77 square miles of land, in Escambia County. Median household income is $74,212, 64.2 percent of occupied homes are owned, and the SBA record carries 233 7(a) approvals to borrowers here worth $185.6 m.
83 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Pensacola
What Pensacola is
- Census place typecity
- Land area22.77 sq mi
- Water area18.35 sq mi
- Population per square mile of land2,373
- County holding the largest share of its areaEscambia County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pensacola
How many people live in Pensacola
- Population54,036
- Median age41.3
- Population under 1810,085
- Share under 1818.7 percent
- Population 65 and over11,507
- Share 65 and over21.3 percent
- Households25,109
- Family households12,958
- Share of households that are families51.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pensacola
Income and work in Pensacola
- Median household income$74,212
- Per capita income$48,536
- Civilian labor force27,495
- Employed25,758
- Unemployed1,737 plus or minus 390
- Unemployment rate6.3 percent plus or minus 1.4
- Adults 25 and over40,007
- Adults 25 and over with a high school diploma or higher92.9 percent
- Adults 25 and over with a bachelor degree or higher43.0 percent
- Adults 25 and over with a graduate degree18.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pensacola
Housing in Pensacola
- Housing units28,298
- Occupied units25,109
- Vacant units3,189
- Vacancy rate11.3 percent
- Owner occupied16,118
- Renter occupied8,991
- Ownership rate64.2 percent
- Median owner-occupied home value$314,400
- Median gross rent, monthly$1,322
- Annual rent as a share of median income21.4 percent
- Single family units20,581
- Share single family72.7 percent
- Units in buildings of two or more7,631
- Share in buildings of two or more27.0 percent
- Mobile homes72 plus or minus 81
- Median year structure built1972
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pensacola
How Pensacola gets to work
- Workers 16 and over who commute21,642
- Commuting under 15 minutes7,311
- Share commuting under 15 minutes33.8 percent
- Commuting 30 minutes or more5,190
- Share commuting 30 minutes or more24.0 percent
- Drove alone72.9 percent
- Carpooled6.2 percent plus or minus 1.3
- Public transport0.7 percent plus or minus 0.5
- Walked1.2 percent plus or minus 0.8
- Worked from home16.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Pensacola
SBA loans in Pensacola (7(a))
- Approvals233
- Gross approval$185,597,800
- Average approval$796,557
- Median approval$350,000
- Ninetieth percentile approval$2,546,000
- Largest approval$5,000,000
- Jobs supported2,922
- Jobs per approval12.5
- Loans with a final outcome35
- Paid in full32
- Charged off3
- Charge-off rate over resolved loans8.6 percent
- Median term120 months
- Share on real estate terms of 20 years or more18.9 percent
- Share to franchises23.2 percent
- Distinct lenders65
- Distinct industries by NAICS118
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Pensacola
SBA loans in Pensacola (504)
- Approvals122
- Gross approval$84,291,000
- Average approval$690,910
- Median approval$425,000
- Largest approval$4,993,000
- Jobs supported1,196
- Loans with a final outcome38
- Charged off1
- Charge-off rate over resolved loans2.6 percent
- Median term240 months
- Distinct CDCs6
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Pensacola
Flood risk in Pensacola
- Listed NFIP communities1
- Of those, participating1
- Best Community Rating System classClass 7
- NFIP community number120082
- Currently effective map date08/19/25
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Escambia County, not Pensacola
Escambia County context, not Pensacola figures
These are Escambia County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Pensacola measurements.
- Establishments in Escambia County7,650
- Employment at those establishments, Escambia County120,709
- Covered employment, Escambia County145,972
- Average annual pay, Escambia County$60,268
- Average weekly wage, Escambia County$1,159
- Housing units permitted, Escambia County1,462
- Of those, single family, Escambia County1,446
- County product, 2024, Escambia County$24,362,738,000
- County product change over the prior year, Escambia County7.6 percent
- Average income of an arriving household, Escambia County$75,568
Every figure in this section is published for Escambia County as a whole and is not a measurement of Pensacola. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Pensacola questions, answered from the record.
How many people live in Pensacola, Florida?
54,036, in 25,109 households. Pensacola city covers 22.77 square miles of land, which is 2,373 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Pensacola in?
Escambia County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Pensacola?
$74,212. The median owner-occupied home is valued at $314,400. Median gross rent is $1,322 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Pensacola businesses?
233 7(a) approvals totalling $185.6 m, across 65 lenders, median approval $350,000, plus 122 504 approvals worth $84.3 m. These count approvals to borrowers whose address is in Pensacola, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Pensacola borrowers get paid back?
Of the 35 loans that have reached a final outcome, 32 were paid in full and 3 charged off, a charge off rate of 8.6 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Pensacola in the National Flood Insurance Program?
Yes. Pensacola appears in the FEMA Community Status Book as community 120082, carrying Community Rating System class 7, which is a premium discount for exceeding the programme minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Pensacola figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Escambia County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Pensacola.
Is zoning published for Pensacola?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.