Florida · 2026 Federal Benchmarks

Cost of Living in Escambia County, FL

The median household in Escambia County, FL earns $67,500 a year ($5,625/month) according to U.S. Census Bureau ACS data. Benchmark 2-bedroom rent is $1,471/month under HUD Fair Market Rents, requiring an annual income of at least $58,840 under the federal 30% housing rule, with overall consumer prices sitting 2.3% below the national baseline.

Key Economic Benchmarks

Median Household Income

$67,500$5,625 per month · U.S. Census Bureau ACS 5-Year
2-Bedroom Rent$1,471HUD FY2026 Fair Market Rent
Price Parity (RPP)97.7-2.3% vs national baseline
Electricity Rate15.1¢per kWh · EIA Residential FL
Census Population325,923Official resident count

Fair market rent & 30% rule in Escambia County, FL

Official HUD Fair Market Rents evaluated against local household income benchmarks.

Affordable (< 30% of income)
HUD Fair Market Rent$1,471Monthly market rent
Share of gross income26.2%Recommended max: 30%
Annual income needed$58,840To meet the 30% standard
Max affordable rent$1,688At 30% of $67,500
0%30% (Affordability standard)100%
Compare against:

2026 HUD Fair Market Rent Schedule: Escambia County, FL

Official FY2026 HUD Fair Market Rents for Pensacola-Ferry Pass-Brent, FL MSA. Under the federal 30% housing affordability standard, housing costs are sustainable when they consume 30% or less of gross household income.

HUD FY2026 Fair Market Rent Schedule for Escambia County, FL
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$1,112$13,344$44,48019.8%
1-Bedroom Apartment$1,257$15,084$50,28022.3%
2-Bedroom ApartmentBenchmark$1,471$17,652$58,84026.2%
3-Bedroom Home$1,952$23,424$78,08034.7%
4-Bedroom Home$2,380$28,560$95,20042.3%

See dedicated rental breakdown for Escambia County, FL →

50/30/20 Living Budget in Escambia County, FL

Based on the local median household income of $67,500/year ($5,625/month), here is how a balanced budget allocates expenses:

Needs (50%)$2,813/moRent ($1,471 2-BR), utilities (~$136/mo), groceries, transit
Wants (30%)$1,688/moDiscretionary spending: dining, leisure, recreation at 97.7 RPP price level
Savings & Debt (20%)$1,125/moEmergency fund, 401(k), IRA retirement, student loan and debt reduction

Take-Home Pay & Tax Explorer in Florida

Explore net income after federal income tax, FICA, and Florida state income tax based on the local median baseline.

$67,500
$25,000$135,000
Filing status:
Gross salary breakdown$67,500
Net 83%
Fed 9%
FICA 8%
Annual take-home$56,316After all taxes
Monthly deposit$4,693Estimated per month
Biweekly paycheck$2,166Every 2 weeks (26/yr)
Effective tax rate16.6%Total tax burden
Federal income tax$6,020 / yr
Florida state income taxNo state wage tax$0
FICA (Social Security & Medicare)$5,164 / yr

Compare earnings and living costs across Florida with official federal datasets:

Frequently Asked Questions About Living in Escambia County, FL

What is the median household income in Escambia County, FL?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Escambia County, FL is $67,500 per year (approximately $5,625 per month).

What is the average rent in Escambia County, FL?

According to HUD Fair Market Rent (FMR) benchmarks for 2026, standard monthly rents in Escambia County, FL are $1,112 for a studio, $1,257 for 1 bedroom, $1,471 for 2 bedrooms, $1,952 for 3 bedrooms, and $2,380 for 4 bedrooms.

How does the cost of living in Escambia County, FL compare to the national average?

Based on the Bureau of Economic Analysis (BEA) Regional Price Parity index, the general price level in Escambia County, FL is 97.7 (2.3% lower than the U.S. national baseline of 100.0).

How much do you need to earn to comfortably afford rent in Escambia County, FL?

Under the standard 30% housing affordability standard, renting a median 2-bedroom home ($1,471/month) in Escambia County, FL requires a minimum gross household income of $58,840 per year ($4,903 per month).

What is a balanced 50/30/20 monthly budget in Escambia County, FL?

For a typical household earning the median income of $67,500/year ($5,625/month) in Escambia County, FL, a balanced 50/30/20 budget allocates $2,813/month to essential needs (rent, utilities, groceries), $1,688/month to discretionary spending, and $1,125/month to savings and debt repayment.

What are typical electricity and utility costs in Escambia County, FL?

Residential electricity rates in Florida average 15.1¢ per kWh according to the U.S. Energy Information Administration (EIA). For an average home using 900 kWh per month, the estimated electric bill is approximately $136 per month.