Deferred second loan
City of Pensacola Homebuyer Incentive Program (ARPA)
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Escambia County
Buying a home in Pensacola, FL
2 Pensacola programs, 2 county programs and 26 statewide.Pensacola has 2 programs of its own, 2 more across Escambia County, and 26 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Pensacola addresses
Pensacola’s own programs
Assistance grant
Northwest Florida Community Land Trust
First-time homebuyers · Income limits · Single Family · Townhouse
Anywhere in EscambiaAnywhere in Escambia County
2 county programs2 county programs a Pensacola homebuyer can also use
The Pensacola marketThe Pensacola housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Pensacola
- 69.8% single-familysingle-family
- 3% townhousetownhouse
- 9.6% 2–4 units2–4 units
- 17.4% 5+ unitscondo & apartment buildings (5+ units)
- 0.3% mobile & othermobile home & other
Condos count. 3 of Pensacola’s 4 local and county programs accept condos. Northwest Florida Community Land Trust lists single family and townhouse.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Pensacola’s homes were built
pre-19401970s2020+
64.5%
of Pensacola homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$92,800
County area median income, 4 people (HUD)HUD area median income, Escambia County, 4-person household (2026)
$74,212
Pensacola median household incomeMedian household income in Pensacola (Census, 2024)
31 of the 92 programs here set their income limit as a share of Escambia County’s area median income, adjusted for household size. See the published limits for Escambia County
Free help nearbyFree help near Pensacola
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Pensacola questions
Does Pensacola have its own down payment program?
Yes, 2: City of Pensacola Homebuyer Incentive Program (ARPA) and Northwest Florida Community Land Trust. Each is for homes inside Pensacola.
Can I use assistance on a condo in Pensacola?
3 of Pensacola’s 4 local and county programs accept condos. Northwest Florida Community Land Trust lists single family and townhouse. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Escambia County?
Each program sets its own. 31 of the programs here set theirs as a share of HUD’s area median income for Escambia County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Pensacola?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Pensacola. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
32501 · 32502 · 32503 · 32504 · 32505 · 32506 · 32507 · 32508 · 32509 · 32511 · 32512 · 32513 · 32514 · 32516 · 32520 · 32521 · 32522 · 32523 · 32524 · 32526 · 32534 · 32559 · 32573 · 32574 · 32575 · 32576 · 32581 · 32582 · 32589 · 32590 · 32591 · 32592 · 32593 · 32594 · 32595 · 32596 · 32597 · 32598
Nearby in Escambia
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.