Rent to own Homes in Pensacola, FL

Fly high! The National Naval Aviation Museum, the largest one of its kind in the world, and the Naval Air Station Pensacola are just southwest of Pensacola, as is the home of the Blue Angels flight demonstration team.

Pensacola, FL is a great place for affordable rent-to-own homes! With a median household income of over $56,199 and a median rent of $998, the Pensacola, FL rent-to-own market is more affordable than the traditional housing market which has shown tremendous growth across the U.S. and with it, aggressive competition for home purchases. With the current housing shortage trend it can make it harder to become a homeowner, including in Pensacola, FL. This means higher than average down payments for homes and higher qualification standards for conventional home loans. With a rent-to-own property, tenants are also buyers. You can live in the house for a set amount of time before you purchase it, meaning that you get to know the house, your neighbors, and your community before making the final purchase. This enables you and your family to make the right choice based on both information and experience. Rent-to-own is also a great alternative way to get into a home if you have bad credit or don't have enough saved for a down payment.

Check out Pensacola, FL rent to own homes for sale, which may include auction properties, for sale by owner, and more.
Showing 1 - 44 of 440
1 of 47 814 W GONZALEZ ST
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Rent To Own
Westpointe Heritage
Single Family Home
Pensacola, FL 32501
3
2
1518 ft2
1963
6640 ALLYN WAY
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Rent To Own
 
Single Family Home
Pensacola, FL 32504
3
2
1300 ft2
1987
1 of 31 4509 BAYSIDE DR
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Rent To Own
 
Single Family Home
Milton, FL 32583
4
3
2162 ft2
1989
3006 N 18TH AVE
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Rent To Own
 
Single Family Home
Milton, FL 32583
3
3
1880 ft2
2022
3 PORTOFINO DR #2006
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Rent To Own
 
Townhouse/Condo
Gulf Breeze, FL 32561
2
3
1333 ft2
2004
1 of 9 4204 RED WING CT
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Rent To Own
 
Single Family Home
Milton, FL 32571
3
2
1014 ft2
1976
1 of 8 4659 EPHREM LN
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Rent To Own
 
Single Family Home
Milton, FL 32571
3
3
1920 ft2
1987
4726 PIERCE LN
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Rent To Own
 
Single Family Home
Milton, FL 32571
4
2
2325 ft2
2016
934 Brimwood Cir # 44A
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Rent To Own
 
Single Family Home
Cantonment, FL 32533
3
2
1515 ft2
2024
422 Kingsbridge Dr # 19C
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Rent To Own
 
Single Family Home
Cantonment, FL 32533
3
2
1515 ft2
2024
950 Brimwood Cir # 40A
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Rent To Own
 
Single Family Home
Cantonment, FL 32533
3
2
1515 ft2
2024
966 Brimwood Cir # 36A
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Rent To Own
 
Single Family Home
Cantonment, FL 32533
3
2
1515 ft2
2024
523 Ketch Creek Dr # 8C
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Rent To Own
 
Single Family Home
Cantonment, FL 32533
3
2
1515 ft2
2024
535 Ketch Creek Dr # 5C
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Rent To Own
 
Single Family Home
Cantonment, FL 32533
3
2
1515 ft2
2024
982 Brimwood Cir # 32A
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Rent To Own
 
Single Family Home
Cantonment, FL 32533
3
2
1515 ft2
2024
458 Kingsbridge Dr # 6A
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Rent To Own
 
Single Family Home
Cantonment, FL 32533
3
2
1515 ft2
2025
1035 Brimwood Cir # 1D
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Rent To Own
 
Single Family Home
Cantonment, FL 32533
3
2
1515 ft2
2025
1019 Brimwood Cir # 5D
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Rent To Own
 
Single Family Home
Cantonment, FL 32533
3
2
1515 ft2
2024
1066 Brimwood Cir # 11A
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Rent To Own
 
Single Family Home
Cantonment, FL 32533
3
2
1515 ft2
2025
1034 Brimwood Cir # 19A
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Rent To Own
 
Single Family Home
Cantonment, FL 32533
3
2
1515 ft2
2024
1050 Brimwood Cir # 15A
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Rent To Own
 
Single Family Home
Cantonment, FL 32533
3
2
1515 ft2
2025
1018 Brimwood Cir # 23A
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Rent To Own
 
Single Family Home
Cantonment, FL 32533
3
2
1515 ft2
2025
16287 Perdido Key Drive # 801w
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Rent To Own
 
Single Family Home
Pensacola, FL 32507
3
3
1624 ft2
1983
1 of 2 29576 Perdido Beach Boulevard # 807
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Rent To Own
 
Single Family Home
Orange Beach, AL 36561
3
2
1392 ft2
2002
1 of 2 23094 PERDIDO BEACH BLVD #408
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Rent To Own
 
Townhouse/Condo
Orange Beach, AL 36561
2
2
871 ft2
1996
1 of 9 6194 STATE HIGHWAY 59 #E2
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Rent To Own
 
Townhouse/Condo
Gulf Shores, AL 36542
3
2
1285 ft2
2006
1 of 2 600 E 23RD AVE
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Rent To Own
 
Single Family Home
Gulf Shores, AL 36542
4
2
1430 ft2
1997
572 E BEACH BLVD #106
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Rent To Own
 
Townhouse/Condo
Gulf Shores, AL 36542
1
1
625 ft2
1998
5685 NICHOLAS LN
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Rent To Own
 
Single Family Home
Pensacola, FL 32526
2
2
852 ft2
1964
1 of 47 26750 PERDIDO BEACH BLVD
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Rent To Own
 
Townhouse/Condo
Orange Beach, AL 36561
1
1
642 ft2
1999
4151 MENENDEZ DR
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Rent to Own Eligible
Driftwood
Single Family Home
Pensacola, FL 32503
5
4
3672 ft2
1963
1 of 35 5601 St Adamnan
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Rent to Own Eligible
Norwood
Single Family Home
Pensacola, FL 32503
3
2
1781 ft2
1966
1 of 44 5965 CREEK SIDE CIR
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Rent to Own Eligible
Reserve At Carpenters Creek
Single Family Home
Pensacola, FL 32504
3
2
2596 ft2
2001
1 of 94 6269 CONFEDERATE DR
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Rent to Own Eligible
 
Single Family Home
Pensacola, FL 32503
3
2
2275 ft2
1967
7110 Village Ln
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Rent to Own Eligible
 
Single Family Home
Pensacola, FL 32504
3
3
1537 ft2
2024
1 of 11 501 E BURGESS RD #C1
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Rent to Own Eligible
 
Townhouse/Condo
Pensacola, FL 32504
1
1
600 ft2
1985
733 SHILOH DR
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Rent to Own Eligible
Bridgewood
Single Family Home
Pensacola, FL 32503
4
3
2992 ft2
2005
1 of 4 5001 GRANDE DR #312
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Rent to Own Eligible
 
Townhouse/Condo
Pensacola, FL 32504
2
2
1000 ft2
1984
1 of 24 1000 E Vernon St
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Rent to Own Eligible
 
Single Family Home
Pensacola, FL 32504
3
2
1358 ft2
1962
356 TREE SWALLOW DR
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Rent to Own Eligible
 
Single Family Home
Pensacola, FL 32503
4
2
1898 ft2
2011
7158 Village Ln
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Rent to Own Eligible
Calumet Court
Single Family Home
Pensacola, FL 32504
3
3
1537 ft2
2024
1 of 19 2000 ELAINE CIR
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Rent to Own Eligible
Creighton Place
Single Family Home
Pensacola, FL 32504
4
2
1161 ft2
1971
601 E Burgess Rd # H-3
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Rent to Own Eligible
 
Single Family Home
Pensacola, FL 32504
2
2
1204 ft2
1985
1 of 20 5001 GRANDE DR #823
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Rent to Own Eligible
 
Townhouse/Condo
Pensacola, FL 32504
2
2
1172 ft2
1984
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Buying a Home in Pensacola, FL

Pensacola, FL is seeing rapid growth and Pensacola, FL's' housing market remains optimal with an average home price that is -8% below the 2025 national average. Pensacola, FL is part of Escambia county and taxes are an important factor to consider when purchasing a home whether through rent to own or a traditional purchase. The average tax rate as of 2025 for county Escambia is 0.76% which is below the national average, which is 0.99%.

Median Home Price in Pensacola, FL

Median Rent in Pensacola, FL

Rent to own homes offer low monthly payments and flexible terms.

Top 11 Reasons to Live in Pensacola

Beautiful beaches! Who wouldn't want to rent to own property in paradise? Pensacola has white sand beaches, surrounding clear green water. Head over to Pensacola Beach and Santa Rosa Island for a day of fun in the sun.

Affordable rent! The average cost of a rental property in Pensacola is $863 per month. Add to that the relatively low monthly median cost of $130 for utilities, and you'd be hard-pressed to find a better beachfront bargain. Search for the best deals near Wiggins Lane and North Reus Street.

Home values are appreciating! Home values have increased .49% in the last year, which is good news for home owners who are in the market to list their homes for sale. Find your next home investment along Pleasant Grove or Bayou Boulevard.

High ownership and occupancy rates! With a 54% home ownership rate and a low 12% vacancy rate, it's apparent that the majority of people in Pensacola are there to stay. A welcoming 33% rental vacancy rate means rental homes are readily available in all neighborhoods, including Sunny Ridge and Woodland Heights.

Save more money to spend on entertainment! Residents have relatively low property taxes -- averaging $1,512 annually -- which leaves more money for enjoying the restaurants downtown, like Angus. More money in your pocket means more money to see a concert at Vinyl Music Hall.

Go outdoors! The Gulf Islands National Seashore is maintained by the National Park Service, and borders Pensacola to the east and west. It has been designated one of the top 25 best beaches in the world. Anyone looking for rent to own homes in Pensacola will find the beach hard to resist. Events throughout the year highlight the area's favorite pastimes of fishing, golfing, water sports and sailing. Enjoy a dolphin tour and watch as the playful porpoises cavort in the water.

Experience the culture! The fine and performing arts are alive and well in the Pensacola community. Take in a play at the Center for Fine and Performing Arts, or venture to the Historic District and tour the local art at the pink Quayside Gallery.

Explore history! Pensacola has a rich history, which is on display every day at the Historic Pensacola Village on East Church Street. The Pensacola Lighthouse has been lighting the way of seafarers since 1859, and the Arcadia Mill Archaeological Site and Museum showcases the 19th-century industries that were powered by water prior to technological advances.

So many places to shop! From upscale boutiques to antique malls, you're sure to find a spot to indulge your need for retail therapy. The unique Blue Moon Antique and Retro Mall features 65 dealers in 12,700 square feet. The large Cordova Mall features 140 high-end retail stores and restaurants.

Relax! Finish your days touring rent to own houses in the city with a little pampering. The Fusion Spa Salon is an Aveda salon, so you know you'll get treated well. If you need an entire weekend to unwind, try the luxurious Portofino Island Resort and Spa.