Cost of Living in Pensacola, FL - Updated Prices & Insights

Solo nomad: Estimated monthly costs are $978 (excluding rent), and $2,559 including rent.

Family of 3: Estimated monthly costs are $2,375 (excluding rent), and $4,658 including rent.

Meal at Budget Restaurant

$18.60 $18.60

$9.96 $9.96

$24.91 $24.91

Three-Course Dinner for Two, Mid-Range

$54.6 $54.6

$41.28 $41.28

$99.2 $99.2

Fast Food Meal (McDonalds, etc)

$12.02 $12.02

$11.61 $11.61

$13.52 $13.52

Cappuccino

$4.94 $4.94

$1.83 $1.83

$7.12 $7.12

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.75 $2.75

$1.95 $1.95

$3.60 $3.60

Water (0.33 liter bottle)

$2.06 $2.06

$1.22 $1.22

$2.94 $2.94

Local Beer (0.5 liter draught)

$5.07 $5.07

$3.04 $3.04

$8.12 $8.12

Imported Beer (0.33 liter bottle)

$6.85 $6.85

$5.58 $5.58

$10.15 $10.15

Milk (1 liter)

$0.94 $0.94

$0.72 $0.72

$1.28 $1.28

White Bread (500g)

$3.26 $3.26

$1.56 $1.56

$5.44 $5.44

Rice (white) (1kg)

$2.52 $2.52

$1.94 $1.94

$6.53 $6.53

Eggs

$3.19 $3.19

$1.86 $1.86

$4.91 $4.91

Local Cheese (1kg)

$10.96 $10.96

$8.41 $8.41

$23.77 $23.77

Chicken Fillets (1kg)

$11.77 $11.77

$6.00 $6.00

$26.96 $26.96

Beef Round Steak (1kg)

$15.20 $15.20

$8.05 $8.05

$22.35 $22.35

Apples (1kg)

$3.46 $3.46

$2.53 $2.53

$6.41 $6.41

Banana (1kg)

$1.54 $1.54

$1.27 $1.27

$2.67 $2.67

Oranges (1kg)

$2.84 $2.84

$1.90 $1.90

$10.78 $10.78

Tomato (1kg)

$4.09 $4.09

$1.91 $1.91

$6.73 $6.73

Potato (1kg)

$3.10 $3.10

$1.63 $1.63

$6.53 $6.53

Onion (1kg)

$2.82 $2.82

$2.19 $2.19

$4.18 $4.18

Lettuce (1 head)

$2.10 $2.10

$1.52 $1.52

$3.04 $3.04

Water (1.5 liter bottle)

$2.18 $2.18

$1.69 $1.69

$3.33 $3.33

Cigarettes 20 Pack (Marlboro, Camel)

$8.27 $8.27

$7.66 $7.66

$19.95 $19.95

Wine (Bottle)

$14.96 $14.96

$7.61 $7.61

$29.96 $29.96

Local Beer (0.5 liter bottle)

$1.85 $1.85

$1.31 $1.31

$2.91 $2.91

Imported Beer (0.33 liter bottle)

$3.03 $3.03

$1.88 $1.88

$6.41 $6.41

One-way Ticket (Public Transport)

$1.79 $1.79

$2.05 $2.05

Public Transport Monthly Pass (Regular Price)

$42.97 $42.97

$38.97 $38.97

$46.96 $46.96

Taxi Start (Normal Tariff)

$2.52 $2.52

$5.04 $5.04

Taxi (Normal Tariff) (1km)

$1.66 $1.66

Taxi 1hour Waiting (Normal Tariff)

$25.88 $25.88

$29.86 $29.86

Gasoline (1 liter)

$0.81 $0.81

$0.72 $0.72

$0.91 $0.91

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$35.6K $35.6K

$23.5K $23.5K

$36.2K $36.2K

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$25.8K $25.8K

$25.1K $25.1K

$25.8K $25.8K

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$264 $264

$159 $159

$398 $398

SIM Card Monthly Plan (Calls and 10GB+ Data)

$48.92 $48.92

$24.74 $24.74

$79.2 $79.2

Internet (50+ Mbps, Unlimited Data)

$66.2 $66.2

$51.4 $51.4

$79.1 $79.1

Gym Membership (Monthly)

$25.86 $25.86

$19.61 $19.61

$39.23 $39.23

Tennis Court (1 Hour on Weekend)

$18.68 $18.68

Cinema Ticket

$13.18 $13.18

$12.16 $12.16

$15.19 $15.19

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$519 $519

$395 $395

$642 $642

International Primary School, 1 Child (Yearly)

$8,152 $8,152

$27.8K $27.8K

Jeans (Levis 501 Or Similar)

$39.06 $39.06

$29.86 $29.86

$49.76 $49.76

Summer Dress (H&M, Zara, etc)

$42.72 $42.72

$29.81 $29.81

$79.5 $79.5

Sport Shoes (Adidas, Nike)

$76.4 $76.4

$44.68 $44.68

$99.3 $99.3

Men's Leather Business Shoes

$75.2 $75.2

$55.2 $55.2

$150 $150

1-bedroom Apartment, City Center (Monthly)

$1,701 $1,701

$1,489 $1,489

$2,240 $2,240

1-bedroom Apartment, Outside City Center (Monthly)

$1,334 $1,334

$1,198 $1,198

$1,598 $1,598

3-bedroom Apartment, City Center (Monthly)

$2,611 $2,611

$2,158 $2,158

$3,434 $3,434

3-bedroom Apartment, Outside City Center (Monthly)

$2,029 $2,029

$1,769 $1,769

$2,457 $2,457

Buy Apartment in City Center (m2)

$3,701 $3,701

$2,202 $2,202

$4,449 $4,449

Buy Apartment Outside City Center (m2)

$2,161 $2,161

$2,131 $2,131

$2,217 $2,217

Average Monthly Net Salary (After Tax)

$3,849 $3,849

20-Year Fixed Mortgage Interest Rate (Annual %)

6.43

6.8

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update: January 12, 2026

Pensacola, FL Median Internet Speeds (Updated December 2025)

Mobile

135

Mbps

Fixed Broadband

384

Mbps

124

Mbps

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

City tags:

🌎 North america

Cost of Living in Pensacola, FL - Frequently Asked Questions

Pensacola tends to offer solid value for travelers, expats, and digital nomads compared with larger coastal hubs. The Cost of Living in Pensacola, FL, United States is favorable for those prioritizing affordable housing, reasonable grocery prices, and a wide range of dining options without the sky-high rents you’ll see in bigger cities. Neighborhoods near the core deliver convenience, while inland areas often trim housing costs further. Internet access and short commuter routes support remote work and flexible schedules. Seasonal tourism affects crowds more than prices, so you can target quieter periods for longer stays. Tip: scout neighborhood vibes by visiting at different times of day.

Daily life in Pensacola blends coastal access with practical budgeting. For housing, look at a mix of downtown apartments, midtown rentals, and quiet inland homes, checking lease terms, parking, and neighborhood safety. Food options range from fresh seafood markets to regular grocery stores and farmers markets, with seasonal produce helping meals stretch. Transportation leans toward car use, but walking, biking, and a manageable bus network support shorter trips; coworking spaces offer flexible workdays. For errands, local pharmacies and hardware stores cluster in walkable pockets. Understanding the Pensacola living cost helps you plan groceries, dining, and utilities. Tip: scout neighborhoods at different times to gauge noise and crowd levels.

Pensacola offers a relaxed pace with warm weather, water access, and a community feel that translates into a budget-friendly lifestyle for many. To optimize quality of life, map neighborhoods by daily needs – walkable cores for dining, quieter inland pockets for rest, and easy access to beaches for weekend getaways. A simple budgeting framework, like 50/30/20, helps you balance housing, needs, and savings while leaving room for outings. Watch for seasonality: peak visitor periods can affect traffic and availability, while hurricane season brings insurance considerations and evacuation planning. Tip: join local meetups or coworking groups to build a supportive network.