Rows tagged local are specific to Midway (Census ACS); state rows are state averages; metro-area rows are inherited from Pensacola, FL. Home value is ACS owner-reported (not a Zillow sale price).
School score: 7/10 (district Santa Rosa · NCES EDFacts)
Cost of living
Metric
Value
Scope
US rank
Cost-of-living index (US=100)
95.8
metro-area
#103 of 200 metros
Grocery index (US=100)
96.3
metro-area
#76 of 200 metros
Big Mac price (est.)
$5.45
metro-area
#100 of 200 metros
Median household income
$87,318
local
#1497 of 3,220 cities
Median wage (all occupations)
$39,174
local
#2208 of 3,220 cities
Who lives here
Metric
Value
Scope
US rank
Median age
38.9 years
metro-area
#106 of 200 metros
Bachelor's degree or higher (25+)
29.7%
metro-area
#136 of 200 metros
Foreign-born residents
5.3%
metro-area
#157 of 200 metros
Homes that are owner-occupied
69.7%
metro-area
#49 of 200 metros
Economy
Metric
Value
Scope
US rank
Unemployment rate
3.34%
local
#649 of 3,220 cities
Population growth (5-yr)
+11.5%
local
#578 of 3,220 cities
Housing — what your money buys
Metric
Value
Scope
US rank
Median home price
$327,400
local
#1584 of 3,220 cities
Home price ÷ income (affordability)
3.7×
local
#1455 of 3,220 cities
1-yr home appreciation
+0.7%
metro-area
#119 of 200 metros
Price per square foot
$177
local
#1552 of 3,220 cities
Typical home size (implied)
1,850 sqft
Median rent (monthly)
$1,608
local
#1911 of 3,220 cities
Homes for sale (inventory)
3,339
Median days on market
30
metro-area
#151 of 200 metros
Taxes
Metric
Value
Scope
US rank
Total tax burden (est. % of income)
9.1%
state
#38 of 200 metros
Combined sales tax
7.02%
state
#69 of 200 metros
State income tax (top rate)
None
Capital gains tax
None
state
#1 of 200 metros
High earners
No special surtax
Social Security in retirement
Not taxed — has no state income tax, so Social Security is untaxed along with everything else
Effective property tax rate
0.64%
local
#510 of 3,220 cities
Median property tax paid
$2,103
local
#725 of 3,220 cities
Health & childcare
Metric
Value
Scope
US rank
Life expectancy at birth
74.1 years
metro-area
#169 of 200 metros
Healthcare (annual, single adult)
$7,500
state
#163 of 200 metros
Uninsured (share of residents)
11.3%
metro-area
#142 of 200 metros
Primary care providers per 100k
69
metro-area
#128 of 200 metros
Childcare (annual, infant, center)
$10,000
state
#58 of 200 metros
Vehicles & commute
Metric
Value
Scope
US rank
Annual registration
$225
state
#153 of 200 metros
Vehicle property tax (annual)
None
state
#1 of 200 metros
Emissions testing
Not required
Emissions detail
No vehicle emissions testing
DMV & license offices
4
Avg commute to work
31 min
local
#2362 of 3,220 cities
Commute by driving alone
72.9%
metro-area
#73 of 200 metros
Solo drivers commuting 30+ min
38.1%
metro-area
#156 of 200 metros
Utilities & fuel
Metric
Value
Scope
US rank
Electricity
15.4¢/kWh
state
#45 of 200 metros
Avg monthly electric bill
$138
state
#41 of 200 metros
Gasoline
$3.35/gal
state
#111 of 200 metros
Natural gas (avg monthly bill)
$38
state
#3 of 200 metros
Water & sewer (avg monthly bill)
$88
state
#65 of 200 metros
Home internet (avg monthly bill)
$76
state
#20 of 200 metros
Insurance
Metric
Value
Scope
US rank
Home insurance (annual)
$4,200
state
#183 of 200 metros
Auto insurance (annual)
$2,900
state
#181 of 200 metros
Disaster risk & supplemental insurance
Metric
Value
Scope
US rank
Main natural hazards
Notable hazards: hurricanes, flooding — separate flood/quake/windstorm policies may be needed.
FEMA National Risk Index (0–100, higher = more risk)
92.8 — Relatively Moderate
metro-area
#126 of 200 metros
Flood insurance (annual, NFIP)
$1,400
state
#185 of 200 metros
Earthquake insurance (annual)
$100
state
#1 of 200 metros
Climate & air quality
Metric
Value
Scope
US rank
Air quality (median AQI, lower=cleaner)
46
metro-area
#100 of 200 metros
Cooling degree-days (AC load)
3,600
metro-area
#180 of 200 metros
Homes with air conditioning (state)
96%
state
#4 of 200 metros
Heating degree-days (heat load)
500
metro-area
#4 of 200 metros
Days per year ≥ 90°F
49
metro-area
#129 of 200 metros
Days per year ≥ 100°F
1
metro-area
#105 of 200 metros
Avg summer high (state)
91°F
metro-area
#136 of 200 metros
Avg winter low
52°F
metro-area
#4 of 200 metros
Annual precipitation
60.0"
metro-area
#193 of 200 metros
Annual snowfall
0.0"
metro-area
#1 of 200 metros
Sunshine (% of possible)
62%
metro-area
#64 of 200 metros
Plant hardiness zone
10a
Frost window
01-15 → 01-15
Safety
Metric
Value
Scope
US rank
Violent crime (per 100k, state avg)
380
state
#75 of 200 metros
Property crime (per 100k, state avg)
1,950
state
#67 of 200 metros
Local amenities & recreation
Metric
Value
Scope
US rank
Grocery stores
18
metro-area
#180 of 200 metros
Parks
25
Hiking areas
15
Golf courses
14
Shooting ranges
3
Lakes
5
Permits
Metric
Value
Scope
US rank
Building permit difficulty (1–5)
3
state
#87 of 200 metros
Permit detail
Moderate
US rank = this metro's position among all 200 metros (1 = best: cheapest / safest / highest income, etc.). Childcare is a family cost, not included in the salary-equivalence total.