Pensacola Homes under $400,000

Welcome to Pensacola, Florida, a charming coastal city that beautifully blends rich history with vibrant modern living. Nestled in Escambia County, Pensacola is renowned for its stunning white-sand beaches, historic architecture, and a warm, inviting community spirit. With a mild climate and plenty of sunshine year-round, it's no wonder that this picturesque city is a favored destination for families, retirees, and young professionals alike.

Pensacola's historic downtown area offers a delightful mix of boutique shops, art galleries, and eclectic dining options, all set against the backdrop of beautifully preserved 19th-century buildings. The city is also home to several military bases, contributing to its unique cultural tapestry and fostering a sense of community among residents.

For those looking to make Pensacola their home, the real estate market offers an array of options, particularly for those seeking affordable living. Homes under $400,000 are plentiful, providing prospective buyers with a diverse selection of properties. Whether you’re searching for a cozy bungalow, a charming cottage, or a modern family home, you’ll find that Pensacola’s real estate scene caters to a variety of tastes and budgets.

With its low cost of living, excellent schools, and an abundance of recreational activities—from water sports to hiking in the nearby Gulf Islands National Seashore—Pensacola is not just a place to live; it’s a lifestyle. Explore the possibilities of making this coastal gem your new home, and experience the warmth and charm that Pensacola has to offer.

Newest Pensacola Homes under $400,000

$130,000

3 Beds ⋅ 2 Baths ⋅ 690066 MLS

INVESTOR SPECIAL WITH GREAT POTENTIAL! Looking for your next investment opportunity or a home, you can make your own? This 3-bedroom, 2-bath home at 4660 Kimberly Drive is full of potential and ready for someone to bring it back to life! With some TLC and updates, this property could really shine. Whether you're an investor looking for your next renovation project or a buyer ready to put in a little work, this home is a great opportunity to build equity and add value. Bring your vision and come see the possibilities this property has to offer!

4660 Kimberly Dr, Pensacola

$89,900

3 Beds ⋅ 1 Baths ⋅ 690065 MLS

Bring your vision to this Pensacola renovation opportunity! Featuring 3 bedrooms, 1 bathroom and approximately 992 square feet, this single-story home offers a covered front entry, carport, screened porch and a detached storage/workshop building. Reimagine the kitchen, refresh the interior and make the outdoor spaces your own. The screened porch adds a shaded spot to unwind, while the detached building provides space for storage, tools or projects. Interior and exterior repairs and updates are needed. Bring your contractor, explore the possibilities and schedule your showing today! Buyer to verify all measurements, property details and condition. Property is being sold as-is no repairs to be made!

1308 N 69th Ave, Pensacola

$323,000

4 Beds ⋅ 2 Baths ⋅ 690058 MLS

Welcome to 10 Nottingham Way! This attractive 4-bedroom, 2-bath home offers approximately 1,633 square feet of comfortable living space with an open, functional layout designed for everyday living and entertaining. Step inside to a spacious living area featuring an inviting open feel and attractive tray ceiling. The updated kitchen flows easily into the dining and living spaces and comes equipped with a refrigerator, dishwasher, microwave, and stove/oven, making it ready to enjoy from day one. The primary suite offers its own private retreat with a tray ceiling, walk-in closet, double vanity, and separate shower. Three additional bedrooms provide plenty of flexibility for family, guests, a home office, or hobby space. Outside, enjoy a spacious backyard on approximately 0.23 acres with plenty of room for outdoor entertaining, pets, gardening, or simply relaxing. Conveniently located in Pensacola with easy access to shopping, dining, supermarkets, and everyday necessities, this home delivers the space, features, and location today's buyers are looking for. Don't miss your opportunity to make 10 Nottingham Way your new home—schedule your private showing today!

10 Nottingham Way, Pensacola

$199,900

3 Beds ⋅ 2 Baths ⋅ 690059 MLS

A Fresh Start, Without the Renovation To-Do List! Imagine finding a home where the big updates are already done and all that's left is making it yours! Welcome to 5 Benton Road, a beautifully remodeled Pensacola home offering the perfect blend of fresh finishes, everyday comfort, and peace of mind — all for UNDER $200,000! From the moment you arrive, the charming blue exterior, welcoming covered front porch, and spacious lawn create an inviting first impression. Step inside to discover a bright, refreshed interior featuring brand-new flooring, neutral colors, and an easy-flowing layout designed for comfortable living and entertaining. The beautifully updated kitchen features warm wood cabinetry, generous counter space, and a convenient breakfast bar that connects naturally to the main living area. Need more room to spread out? The spacious bonus/family room offers incredible flexibility for movie nights, entertaining, a home office, or your own personal retreat! And the improvements go well beyond appearances! With a BRAND-NEW ROOF, NEW A/C SYSTEM, NEW FLOORING, AND REMODELED KITCHEN AND BATHROOMs, you can spend less time thinking about renovations and more time enjoying your home. Outside, enjoy the best of Florida living with BOTH covered front and back porches, a spacious yard, and mature trees offering natural charm and room to relax, garden, or entertain. Freshly remodeled. Major updates completed. Priced under $200K! If you've been waiting for a home that combines charm, comfort, space, and exceptional value, 5 Benton Road deserves a closer look. Schedule your private showing and experience the possibilities for yourself!

5 Benton Rd, Pensacola

$180,000

2 Beds ⋅ 3 Baths ⋅ 690053 MLS

Discover an exceptional opportunity with this 2-bedroom townhome in Pensacola, offering 2.5 bathrooms, 1,197 square feet of living space, and a convenient location near shopping, interstate access, downtown, and the beaches. This well-maintained, modern property features a new roof installed in 2025 and an established tenant, making it an attractive option for investors seeking an addition to their rental portfolio. This 1980-built townhome offers a practical layout with two bedrooms and two full bathrooms plus a convenient half bath. The property has been very well maintained and offers a modern feel, creating an inviting atmosphere with everyday functionality. One of its standout features is the recently replaced roof, providing a significant improvement for the next owner. Investors will appreciate the opportunity to acquire a tenant-occupied property with an existing rental arrangement, while future homeowners may recognize the property's long-term potential, subject to tenant occupancy and lease terms. Location adds even more appeal! Situated in a quiet Pensacola neighborhood, this townhome offers convenient interstate access and proximity to a wide variety of shopping, dining, and everyday essentials. Downtown Pensacola is approximately 15 minutes away, while the area's beautiful Gulf Coast beaches are approximately 25 minutes away, making it easy to enjoy everything the Pensacola area has to offer. Whether you're looking to expand your investment portfolio or secure a property with future possibilities, this 2-bedroom townhome in Pensacola combines modern appeal, thoughtful maintenance, a major recent improvement, and an accessible price point. Don't miss your opportunity to explore this well-maintained property in a convenient Pensacola location. Schedule your showing today!

6099 Hilburn Rd, Pensacola

$229,990

4 Beds ⋅ 2 Baths ⋅ 690049 MLS

Welcome to 4482 Rochelle Dr, a freshly updated single-level home in Pensacola, sitting on a generous lot shaded by mature live oaks. A covered front porch with a green accent door sets a welcoming tone, and a long concrete driveway gives you plenty of parking. Inside, brand new wood-look flooring runs throughout, paired with fresh paint, new ceiling fans, and a bright, open living area with a large front window and a side entry door. A pass-through window to the kitchen keeps the main living space connected for everyday life and entertaining. The kitchen is the showpiece. Crisp white shaker cabinets, warm butcher block countertops, black hardware and faucet, recessed lighting, and a full suite of stainless steel appliances (refrigerator, range, microwave, and dishwasher) sit against a bold accent wall. The bedrooms are comfortably sized with ceiling lighting, windows with blinds, and closets with full-width hanging rods. The updated bathroom features a modern black-framed round mirror, a dark vanity with matte black fixtures, a new tub/shower surround with a rain-style showerhead, and pebble-pattern tile flooring. This property comes with peace in mind for the next owner with a brand NEW Roof (2026) and NEW Water Heater. The HVAC is roughly 5 years old as well. Call your favorite agent today for a tour of this property before it is gone!

4482 Rochelle Dr, Pensacola

$299,500

3 Beds ⋅ 2 Baths ⋅ 690046 MLS

This brand-new 3-bedroom, 2-bath home in the Ensley area of north Pensacola, FL sits between Pensacola Blvd (Hwy 29) and Nine Mile Road, with a direct route to I-10 via Hwy 29. Built in 2026 with no HOA, the 1,280 sq ft open concept floor plan features LVP flooring throughout, granite countertops, and a tiled shower in the primary bath. The kitchen, dining, and living space share one open area, and the 2-car garage adds room for vehicles and storage. City water and sewer on a 0.17-acre lot. Lincoln Park, with a playground, basketball courts, and outdoor exercise stations, is a few blocks away, and Old Ensley School Park's splash pad and walking path are under a mile away. ALDI, Ever'man Co-op, and La Mexicana Supermarket are nearby along Hwy 29 and Nine Mile Road. Reach out to schedule a private showing.

8045 Price St, Pensacola

$305,990

4 Beds ⋅ 2 Baths ⋅ 690038 MLS

Welcome to Piper's Landing, a new home community offering thoughtfully designed homes with modern finishes and everyday convenience. The Ramsey floor plan features 4 bedrooms, 2 bathrooms, and 1,667 square feet of comfortable single-story living. The open-concept layout seamlessly connects the kitchen, dining area, and family room, creating an inviting space for entertaining and everyday life. The stylish kitchen features upgraded countertops, white shaker-style cabinetry, stainless steel appliances, a generous pantry, and plenty of dining space. The private owner's suite offers a relaxing retreat with a HUGE walk-in closet and an en-suite bath featuring a spacious walk-in shower. Three additional bedrooms provide flexibility for family, guests, or a home office, while a 2-car garage adds convenience and storage. **BONUS: HOA FEES INCLUDE INTERNET!** This home is currently under construction. Photos, floor plans, and renderings are for illustrative purposes only; actual colors, finishes, features, options, and layout may vary. Don't miss your opportunity to call Piper's Landing home! Schedule your tour today and ask about current builder incentives. Information is deemed reliable but not guaranteed. Buyer or buyer's agent should verify all information. Pricing, features, and availability are subject to change without notice.

2609 Bagpipe Dr Unit #HS 2C, Pensacola

$270,000

3 Beds ⋅ 3 Baths ⋅ 690035 MLS

Welcome home to this beautifully updated 3-bedroom, 2.5-bath home offering 1,457 square feet of stylish living space. Freshly painted throughout, this inviting home features new luxury vinyl plank flooring in the living room, beautiful marble countertops in kitchen and bathrooms, brand-new appliances, and a deep stainless-steel sink in the kitchen. Every detail has been thoughtfully refreshed, including new lighting fixtures, faucets, toilets, recessed lighting, air vents, electrical outlets and switch covers The updated ceilings have been freshly painted, creating a bright, clean, and modern feel throughout the home. Outside, enjoy the privacy and peace of a brand-new privacy fence. The backyard has plenty of room and perfect for entertaining. With its extensive updates and move-in-ready appeal, this home is a must-see. Schedule your showing today before it’s gone!

8400 Ramsgate Rd, Pensacola

$325,000

4 Beds ⋅ 2 Baths ⋅ 690018 MLS

Welcome to 1085 Farmington Road, a spacious 4-bedroom, 2-bath brick ranch with more than 2,100 square feet and the kind of layout that gives everyone room to spread out. Tucked on a quiet cul-de-sac in the heart of Pensacola, this home offers multiple living spaces, a large backyard and valuable updates, including a new roof and electrical rewiring to copper completed in 2023. NO HOA. Inside, hardwood floors flow through much of the home, with a formal dining room and separate sitting room offering plenty of flexibility for entertaining, working from home or simply finding your favorite spot to unwind. At the center of it all, the large living room is anchored by a brick fireplace, ready for movie nights and lazy weekends. The kitchen offers plenty of cabinet and counter space, with a pantry, laundry room and additional storage nearby. Three secondary bedrooms offer generous closet space, while the spacious primary suite feels like its own retreat with a walk-in closet, private bath and direct access to the back patio, perfect for morning coffee. Out back, the privacy-fenced yard offers a large patio and plenty of open lawn for cookouts, pets, gardening or play. An oversized two-car garage adds even more storage and everyday convenience. With plenty of space inside and out, this classic Pensacola ranch is ready for you to make it your own. Schedule your showing today!

1085 Farmington, Pensacola

$155,000

3 Beds ⋅ 1 Baths ⋅ 690009 MLS

220 Willow Street offers a practical 3-bedroom, 1-bath layout with a comfortable mix of indoor and outdoor living space. Inside, the home features wood-look flooring through the main living areas, carpeted bedrooms, and a bright, neutral color palette. The kitchen offers generous cabinet and counter space, a tile backsplash, stainless steel appliances, granite counters, and a large bank of windows that brings in plenty of natural light. The adjoining living and dining areas provide flexible space for everyday living, while the bathroom includes a tub/shower combination and additional built-in storage. Outside, the property offers a spacious fenced backyard with mature trees, a concrete patio area, and a screened rear porch for additional usable space. Major updates include a roof replaced in 2019, HVAC replaced in 2026, and water heater replaced in 2015. With three bedrooms, a large yard, and several major systems already updated, this home offers an appealing opportunity for an owner-occupant or investor looking for an affordable property with plenty of potential.

220 Willow St, Pensacola

$89,900

3 Beds ⋅ 2 Baths ⋅ 690005 MLS

Investor and renovation opportunity in Pensacola! This 3-bedroom, 1,5 -baths home offers approximately 1,172 square feet and is ready for a new owner to bring their vision to life. Priced at $89,000, the property offers excellent potential for renovation, rental investment, or resale. Conveniently located just off Mobile Hwy and near Osceola Park, shopping, dining, schools, and major roadways. Property is being sold AS-IS. Seller will make no repairs. Buyer and buyer’s agent to verify all measurements, property condition, and information deemed important. Schedule your showing and explore the possibilities!

226 Cherokee Trl, Pensacola

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