Sebastian, FL vs Pensacola, FL: cost of living compared
Price levels from BEA (2024); rent and home values from Zillow (September 2026).
The short answer
- Overall, living costs in Pensacola, FL and Sebastian, FL are within 1% of each other (BEA, 2024).
- To keep the same standard of living, $75,000 in Sebastian works out to about $74,500 in Pensacola, before taxes.
- Housing is 2.8% lower in Pensacola, goods 0.0% higher and other services 0.0% higher, which roughly cancel out.
- Typical asking rent is $1,735 a month in Pensacola and $2,128 in Sebastian, $4,716 a year less in Pensacola (Zillow, September 2026).
- A typical home is valued at about $309,000 in Pensacola and $364,000 in Sebastian.
- The gap is about where it was in 2019 (0.3%).
derived Calculated from BEA Regional Price Parities (2024) and Zillow data. Based on an average household's spending; taxes not included. How we calculate.
Category by category
Both cities against the US average (100). The gap in each row is what matters for a move.
Overall prices are about the same in Sebastian and Pensacola
Price level by category, 2024. US average = 100.
- Sebastian, FL
- Pensacola, FL
All items Sebastian, FL: 98.3 Pensacola, FL: 97.7
Goods Sebastian, FL: 96.2 Pensacola, FL: 96.2
Housing (rents) Sebastian, FL: 101.6 Pensacola, FL: 98.8
Utilities Sebastian, FL: 87.3 Pensacola, FL: 88.5
Other services Sebastian, FL: 98.9 Pensacola, FL: 98.9
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| Sebastian, FL | Pensacola, FL | |
|---|---|---|
| All items | 98.3 | 97.7 |
| Goods | 96.2 | 96.2 |
| Housing (rents) | 101.6 | 98.8 |
| Utilities | 87.3 | 88.5 |
| Other services | 98.9 | 98.9 |
| Category | Sebastian | Pensacola | Pensacola vs Sebastian |
|---|---|---|---|
| All items | 98.3 | 97.7 | −0.6% |
| Goods | 96.2 | 96.2 | 0.0% |
| Housing (rents) | 101.6 | 98.8 | −2.8% |
| Utilities | 87.3 | 88.5 | +1.4% |
| Other services | 98.9 | 98.9 | 0.0% |
| Typical asking rent | $2,128 | $1,735 | −18.5% |
| Typical home value | $364,000 | $309,000 | −15.0% |
| Salary to match $75,000 in Sebastian | $75,000 | $74,500 | −0.6% |
Index values: BEA, 2024, US = 100. Rent and home values: Data Provided by Zillow Group, September 2026.
How the gap has changed since 2008
The price gap between Sebastian and Pensacola has narrowed since 2008: 2.9 points then, 0.6 now
Overall price level each year, 2008–2024. US average = 100.
- Sebastian, FL
- Pensacola, FL
US average = 100
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| Sebastian, FL | Pensacola, FL | |
|---|---|---|
| 2008 | 93.5 | 96.4 |
| 2009 | 90.4 | 95.3 |
| 2010 | 95.0 | 96.2 |
| 2011 | 92.1 | 98.7 |
| 2012 | 92.9 | 97.3 |
| 2013 | 95.0 | 96.3 |
| 2014 | 93.1 | 96.9 |
| 2015 | 91.8 | 97.2 |
| 2016 | 94.2 | 97.4 |
| 2017 | 91.9 | 96.6 |
| 2018 | 94.1 | 95.3 |
| 2019 | 94.3 | 93.9 |
| 2020 | 95.2 | 93.3 |
| 2021 | 98.1 | 95.7 |
| 2022 | 95.3 | 95.4 |
| 2023 | 97.3 | 95.8 |
| 2024 | 98.3 | 97.7 |
Goods
- Sebastian, FL
- Pensacola, FL
US = 100
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| Sebastian, FL | Pensacola, FL | |
|---|---|---|
| 2008 | 93.7 | 97.7 |
| 2009 | 90.7 | 95.7 |
| 2010 | 96.4 | 96.9 |
| 2011 | 93.7 | 97.0 |
| 2012 | 90.3 | 97.4 |
| 2013 | 93.0 | 97.2 |
| 2014 | 91.3 | 97.7 |
| 2015 | 90.5 | 97.0 |
| 2016 | 92.2 | 97.2 |
| 2017 | 91.5 | 97.4 |
| 2018 | 95.3 | 95.3 |
| 2019 | 95.3 | 95.3 |
| 2020 | 95.2 | 95.2 |
| 2021 | 95.7 | 95.7 |
| 2022 | 95.0 | 95.0 |
| 2023 | 96.3 | 96.3 |
| 2024 | 96.2 | 96.2 |
Housing (rents)
- Sebastian, FL
- Pensacola, FL
US = 100
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| Sebastian, FL | Pensacola, FL | |
|---|---|---|
| 2008 | 90.1 | 87.2 |
| 2009 | 85.9 | 86.8 |
| 2010 | 95.3 | 86.4 |
| 2011 | 82.8 | 96.6 |
| 2012 | 85.3 | 88.5 |
| 2013 | 88.0 | 86.0 |
| 2014 | 80.0 | 85.7 |
| 2015 | 78.8 | 86.8 |
| 2016 | 92.5 | 86.3 |
| 2017 | 85.9 | 85.5 |
| 2018 | 82.0 | 85.9 |
| 2019 | 88.6 | 86.0 |
| 2020 | 94.4 | 83.7 |
| 2021 | 100.2 | 86.5 |
| 2022 | 84.9 | 84.8 |
| 2023 | 93.4 | 84.7 |
| 2024 | 101.6 | 98.8 |
Utilities
- Sebastian, FL
- Pensacola, FL
US = 100
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| Sebastian, FL | Pensacola, FL | |
|---|---|---|
| 2008 | 88.0 | 98.3 |
| 2009 | 91.4 | 100.5 |
| 2010 | 88.7 | 97.9 |
| 2011 | 87.4 | 95.7 |
| 2012 | 92.1 | 93.4 |
| 2013 | 88.8 | 91.6 |
| 2014 | 93.6 | 95.8 |
| 2015 | 93.9 | 92.1 |
| 2016 | 89.5 | 87.5 |
| 2017 | 91.2 | 86.2 |
| 2018 | 87.9 | 89.1 |
| 2019 | 88.7 | 90.4 |
| 2020 | 85.6 | 86.9 |
| 2021 | 85.8 | 87.1 |
| 2022 | 90.7 | 91.8 |
| 2023 | 92.1 | 92.7 |
| 2024 | 87.3 | 88.5 |
Other services
- Sebastian, FL
- Pensacola, FL
US = 100
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| Sebastian, FL | Pensacola, FL | |
|---|---|---|
| 2008 | 95.0 | 99.2 |
| 2009 | 92.2 | 98.0 |
| 2010 | 94.4 | 99.4 |
| 2011 | 95.5 | 100.9 |
| 2012 | 98.3 | 100.6 |
| 2013 | 99.9 | 99.7 |
| 2014 | 99.9 | 100.5 |
| 2015 | 98.2 | 101.4 |
| 2016 | 96.5 | 102.2 |
| 2017 | 94.8 | 100.9 |
| 2018 | 98.8 | 98.8 |
| 2019 | 95.9 | 95.9 |
| 2020 | 96.0 | 96.0 |
| 2021 | 99.7 | 99.7 |
| 2022 | 99.9 | 99.9 |
| 2023 | 99.8 | 99.8 |
| 2024 | 98.9 | 98.9 |
Rent and home values
Typical asking rent: $1,735 in Pensacola vs $2,128 in Sebastian
Typical asking rent for a new lease, dollars per month. Quarterly.
- Sebastian, FL
- Pensacola, FL
- United States
Source: Zillow Observed Rent Index (typical asking rent, all homes, smoothed), through September 2026. Data Provided by Zillow Group.
Show the numbers
| Sebastian, FL | Pensacola, FL | United States | |
|---|---|---|---|
| Mar 2015 | $953 | $892 | $1,145 |
| Jun 2015 | $965 | $908 | $1,170 |
| Sep 2015 | $990 | $916 | $1,181 |
| Dec 2015 | $1,074 | $921 | $1,182 |
| Mar 2016 | $1,028 | $928 | $1,195 |
| Jun 2016 | $1,036 | $946 | $1,219 |
| Sep 2016 | $1,065 | $955 | $1,225 |
| Dec 2016 | $1,120 | $955 | $1,222 |
| Mar 2017 | $1,133 | $966 | $1,245 |
| Jun 2017 | $1,123 | $985 | $1,270 |
| Sep 2017 | $1,164 | $1,002 | $1,276 |
| Dec 2017 | $1,227 | $1,011 | $1,275 |
| Mar 2018 | $1,190 | $1,023 | $1,296 |
| Jun 2018 | $1,200 | $1,041 | $1,320 |
| Sep 2018 | $1,227 | $1,063 | $1,327 |
| Dec 2018 | $1,256 | $1,067 | $1,329 |
| Mar 2019 | $1,241 | $1,089 | $1,349 |
| Jun 2019 | $1,266 | $1,108 | $1,376 |
| Sep 2019 | $1,303 | $1,128 | $1,383 |
| Dec 2019 | $1,334 | $1,131 | $1,381 |
| Mar 2020 | $1,334 | $1,156 | $1,402 |
| Jun 2020 | $1,333 | $1,175 | $1,406 |
| Sep 2020 | $1,403 | $1,222 | $1,410 |
| Dec 2020 | $1,439 | $1,241 | $1,407 |
| Mar 2021 | $1,482 | $1,286 | $1,443 |
| Jun 2021 | $1,546 | $1,408 | $1,512 |
| Sep 2021 | $1,680 | $1,514 | $1,590 |
| Dec 2021 | $1,793 | $1,527 | $1,622 |
| Mar 2022 | $1,850 | $1,556 | $1,661 |
| Jun 2022 | $1,865 | $1,591 | $1,721 |
| Sep 2022 | $1,906 | $1,615 | $1,748 |
| Dec 2022 | $1,974 | $1,597 | $1,735 |
| Mar 2023 | $1,978 | $1,606 | $1,757 |
| Jun 2023 | $1,960 | $1,626 | $1,785 |
| Sep 2023 | $2,033 | $1,630 | $1,797 |
| Dec 2023 | $2,075 | $1,621 | $1,786 |
| Mar 2024 | $2,060 | $1,640 | $1,807 |
| Jun 2024 | $2,007 | $1,661 | $1,837 |
| Sep 2024 | $2,057 | $1,670 | $1,845 |
| Dec 2024 | $2,106 | $1,650 | $1,836 |
| Mar 2025 | $2,086 | $1,663 | $1,860 |
| Jun 2025 | $2,066 | $1,685 | $1,880 |
| Sep 2025 | $2,072 | $1,692 | $1,881 |
| Dec 2025 | $2,076 | $1,690 | $1,873 |
| Mar 2026 | $2,114 | $1,706 | $1,894 |
| Jun 2026 | $2,125 | $1,731 | $1,921 |
| Sep 2026 | $2,128 | $1,735 | $1,932 |
Typical home value: $309,000 in Pensacola vs $364,000 in Sebastian
Typical home value, dollars. Quarterly.
- Sebastian, FL
- Pensacola, FL
- United States
Source: Zillow Home Value Index (typical home value, middle tier, smoothed, seasonally adjusted), through September 2026. Data Provided by Zillow Group.
Show the numbers
| Sebastian, FL | Pensacola, FL | United States | |
|---|---|---|---|
| Mar 2015 | $171K | $146K | $189K |
| Jun 2015 | $174K | $149K | $192K |
| Sep 2015 | $180K | $151K | $195K |
| Dec 2015 | $185K | $152K | $199K |
| Mar 2016 | $189K | $154K | $202K |
| Jun 2016 | $193K | $156K | $204K |
| Sep 2016 | $198K | $159K | $206K |
| Dec 2016 | $203K | $161K | $209K |
| Mar 2017 | $208K | $163K | $213K |
| Jun 2017 | $213K | $167K | $216K |
| Sep 2017 | $218K | $170K | $219K |
| Dec 2017 | $223K | $174K | $223K |
| Mar 2018 | $228K | $177K | $227K |
| Jun 2018 | $232K | $180K | $230K |
| Sep 2018 | $236K | $183K | $234K |
| Dec 2018 | $239K | $186K | $236K |
| Mar 2019 | $241K | $189K | $239K |
| Jun 2019 | $243K | $193K | $242K |
| Sep 2019 | $244K | $196K | $244K |
| Dec 2019 | $247K | $201K | $247K |
| Mar 2020 | $251K | $206K | $252K |
| Jun 2020 | $251K | $210K | $255K |
| Sep 2020 | $256K | $217K | $260K |
| Dec 2020 | $266K | $227K | $271K |
| Mar 2021 | $275K | $237K | $282K |
| Jun 2021 | $291K | $250K | $296K |
| Sep 2021 | $313K | $262K | $306K |
| Dec 2021 | $330K | $271K | $314K |
| Mar 2022 | $356K | $286K | $330K |
| Jun 2022 | $385K | $303K | $346K |
| Sep 2022 | $394K | $307K | $348K |
| Dec 2022 | $392K | $305K | $345K |
| Mar 2023 | $388K | $306K | $343K |
| Jun 2023 | $390K | $308K | $347K |
| Sep 2023 | $392K | $311K | $352K |
| Dec 2023 | $394K | $312K | $354K |
| Mar 2024 | $395K | $312K | $357K |
| Jun 2024 | $394K | $314K | $361K |
| Sep 2024 | $390K | $313K | $361K |
| Dec 2024 | $387K | $310K | $363K |
| Mar 2025 | $382K | $308K | $364K |
| Jun 2025 | $374K | $306K | $362K |
| Sep 2025 | $367K | $304K | $362K |
| Dec 2025 | $365K | $305K | $364K |
| Mar 2026 | $365K | $308K | $366K |
| Jun 2026 | $363K | $309K | $365K |
| Sep 2026 | $364K | $309K | $366K |
More about each city
What this comparison leaves out
- Taxes. State and local income, sales and property taxes can change the result a lot, especially between states.
- Neighborhoods. These are metro-wide averages; a city center and its outer suburbs can differ by more than two metros do.
- Your own spending mix. The default uses an average household. Use the housing slider above if rent is a bigger share of your budget.
- Timing. BEA price levels are for 2024; Zillow figures are monthly and newer.