🌴 Living in Pensacola, Florida: Pros and Cons in 2025 (What to Know Before You Move)

If you're thinking about moving to Pensacola, whether it’s for a military relocation, retirement, or a lifestyle change, this guide will give you a real feel for what life is like here on the Gulf Coast in 2025.

Pensacola is a unique mix of beach town charm, military tradition, and small-town vibes. It has a lot to offer, but like anywhere, there are a few things to consider before packing up.

✅ What People Love About Living in Pensacola

1. Access to Beautiful Beaches

Pensacola Beach and Perdido Key are known for their soft white sand and crystal-clear water. Whether you love to swim, paddleboard, fish, or just relax, beach days are part of life here. Even if you’re living in Milton or Pace, you’re still within 30 to 40 minutes of the coast.

2. Affordable Living

Pensacola is one of Florida’s more budget-friendly beach towns. The cost of living is about 4% below the national average, and housing is especially affordable.
As of June 2025:

• Pensacola: $320,000

• Milton: $330,000

• Pace: $353,000

These prices are great for first-time buyers and VA buyers.

3. Strong Military Community

The area is home to four major military bases:

• NAS Pensacola (home of the Blue Angels)

• NAS Whiting Field in Milton

• Hurlburt Field (Special Operations)

• Eglin AFB

That means built-in community support, on-base activities, spouse employment programs, and lots of VA loan-experienced professionals.

4. Historic Charm and a Great Downtown Scene

Pensacola’s downtown is full of personality historic streets, cute shops, great restaurants, and live music. Places like Palafox Street, the Naval Aviation Museum, and Fort Pickens are great for locals and visitors.

5. Outdoor Living & Family-Friendly Neighborhoods

You’ll find hiking, kayaking, and festivals throughout the year. Families love areas like East Hill, North Hill, Beulah, Milton, and Pace for their schools and community feel. There’s always something to do, from base 5Ks to local events.

Official Tourism Website of Pensacola, Florida | Visit Pensacola

⚠️ A Few Things to Keep in Mind

1. Aircraft Noise

If you’re close to NAS Pensacola or Whiting Field, expect jet and helicopter noise. Blue Angels practice days can rattle windows, and choppers fly over Milton and Pace often. Most people get used to it, but it’s worth noting. I personally love the blue angels.

2. Hurricanes & Insurance

Living on the Gulf comes with storm season. You’ll want to have wind protection and be prepared for higher home insurance costs, especially in flood-zone areas.

3. Traffic

If you’re commuting between bases or just across town plan ahead. Summer and shift changes can back up highways like I-10 and Hwy 98.

4. You’ll Likely Need a Car

Public transportation is limited, especially in Milton, Pace, and Navarre. Most households here have two vehicles, even with base amenities nearby.

5. Competitive Housing Market

Homes near bases are selling fast and often over asking price. If you’re looking in Milton or Pace, be ready to move quickly. In 2025, Milton’s median sale price is up 11% and Pace is up nearly 10%.

Final Thoughts: Is Pensacola Right for You?

If you’re looking for affordable beach living, a welcoming military friendly community, and year-round outdoor fun, Pensacola might be exactly what you’re after. It’s perfect for families, retirees, and service members, but it’s not for everyone. Hurricanes, traffic, and the need for a car are part of the deal.

Thinking of Moving to Pensacola?

Whether you’re buying your first home, relocating with the military, or downsizing into something near the beach, I’d love to help. I specialize in helping military families and first-time homebuyers make a smooth transition into our local market.

📩 Let’s chat about your plans. I’ll make sure you have the info and confidence you need to move forward.