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City

ZIP codes

Panama City, FL · 32402

Realtor Sep 2026 · ACS 2024

Market Read

A market with no active rental pool to price against. The sale-side figures below are the whole picture.

Tenant economics are strong. Median household income $74K, +4.8% YoY (county); renters hold 33.2% of county households. See the people evidence ↓

Gross Rental Yield

–

1% rule implies 12%/yr

Rent-to-Price

–

1% rule benchmark: 1.00%/mo

Gross Rent Multiplier

–

Price ÷ annual gross rent

Asking vs Voucher

–

No bedroom size has both a rent sample and a published FMR

Computed from this page's data: median listing $315,000 (Realtor). The listing and rental pools are separate samples, not the same homes priced two ways, so the ratios describe the market rather than any one property. Ratios with reasons, not a recommendation to buy.

Median Listing Price

$315K

Population

78,778

Median Days on Market

131

Active Listings

New Listings

Housing Market

Pricing

Median Listing Price

$315K-- YoY

Average Listing Price

$315K-- YoY

Price per Sq Ft

$209-- YoY

Median Sq Ft

1,508-- YoY

Inventory

Active Listings

1-- YoY

New Listings

0-- YoY

Total Listings

1-- YoY

Buyer Competition

Pending Listings

---- YoY

Pending Ratio

---- YoY

Median Days on Market

131-- YoY

Price Reduced

0.0%-- YoY

Units & Occupancy

2024 Occupancy ⓘ

U.S. Census ACS · n = 108,362

108Kunits

Occupied78,77872.7%

Vacant29,58427.3%

2024 Tenure ⓘ

U.S. Census ACS · n = 78,778

79Koccupied

Owner52,66066.8%

Renter26,11833.2%

Renter Share

33.2%+4.5% YoY

Total Housing Units

108,362+2.0% YoY

FY2026 Fair Market Rent

CountyBay County · HUD 40th-percentile estimate, not actual market asking rent

Studio

$1,426

/month

1 BR

$1,480

/month

2 BR

$1,682

/month

3 BR

$2,169

/month

4 BR

$2,689

/month

FMR trends · Bay County

HUD Fair Market Rents · FY1983–FY2026

County Demographics

County population is up 2.8% to 186,393: residents under 18 are up 3.2% and those 65 and over are up 3.1%.

Median Age

41.02024

Population

Bay County Population

199,718+3.8% YoY

Households

Total Households

78,778+3.5% YoY

Household Types ⓘ

U.S. Census ACS

--Not reported for this area (ACS).

Avg Household Size

2.33-0.9% YoY

Age

2024 Age Mix ⓘ

U.S. Census ACS · n = 186,393

186Kresidents

Under 1839,38221.1%

Adults 18–64112,93360.6%

65 & Over34,07818.3%

Age Composition Over Time

U.S. Census ACS · 2017–2024

Population growth (first year = 100)

Share of population (change in pp)

Under 18Adults 18–6465 & Over

Population Under 18

39,382+3.2% YoY

Population 65 & Over

34,078+3.1% YoY

Median Age

41.00-1.0% YoY

Mobility & Veterans

2024 Residential Mobility ⓘ

U.S. Census ACS

of residents

Same house82.3%

Moved (within US)17.1%

Other0.6%

Veterans

13.6%-1.4% YoY

County Economy

County median household income is $74K, 11.9% of residents are below the poverty level, 10.1% work from home.

Income

Median Household Income

$74K+4.8% YoY

Per-Capita Income

$41K+5.0% YoY

Mean Household Income

$97K+4.3% YoY

Poverty

Below Poverty Level

11.9%+1.7% YoY

Transportation to Work

2024 Commute Mode ⓘ

U.S. Census ACS

of workers

Drove alone75.1%

Public transit0.3%

Worked from home10.1%

Other14.5%

Worked From Home

10.1%+14.8% YoY

Mean Commute

23.90-2.8% YoY

Done with 32402? Put it next to another market.

State

City

Compare with

City

State

City

ZIP codes

Panama City, FL · 32402

Realtor Sep 2026 · ACS 2024

Market Read

A market with no active rental pool to price against. The sale-side figures below are the whole picture.

Tenant economics are strong. Median household income $74K, +4.8% YoY (county); renters hold 33.2% of county households. See the people evidence ↓

Gross Rental Yield

–

1% rule implies 12%/yr

Rent-to-Price

–

1% rule benchmark: 1.00%/mo

Gross Rent Multiplier

–

Price ÷ annual gross rent

Asking vs Voucher

–

No bedroom size has both a rent sample and a published FMR

Median Listing Price

$315K

Population

78,778

Median Days on Market

131

Active Listings

New Listings

Housing Market

Pricing

Median Listing Price

$315K-- YoY

Average Listing Price

$315K-- YoY

Price per Sq Ft

$209-- YoY

Median Sq Ft

1,508-- YoY

Inventory

Active Listings

1-- YoY

New Listings

0-- YoY

Total Listings

1-- YoY

Buyer Competition

Pending Listings

---- YoY

Pending Ratio

---- YoY

Median Days on Market

131-- YoY

Price Reduced

0.0%-- YoY

Units & Occupancy

2024 Occupancy ⓘ

U.S. Census ACS · n = 108,362

108Kunits

Occupied78,77872.7%

Vacant29,58427.3%

2024 Tenure ⓘ

U.S. Census ACS · n = 78,778

79Koccupied

Owner52,66066.8%

Renter26,11833.2%

Renter Share

33.2%+4.5% YoY

Total Housing Units

108,362+2.0% YoY

FY2026 Fair Market Rent

CountyBay County · HUD 40th-percentile estimate, not actual market asking rent

Studio

$1,426

/month

1 BR

$1,480

/month

2 BR

$1,682

/month

3 BR

$2,169

/month

4 BR

$2,689

/month

FMR trends · Bay County

HUD Fair Market Rents · FY1983–FY2026

County Demographics

County population is up 2.8% to 186,393: residents under 18 are up 3.2% and those 65 and over are up 3.1%.

Median Age

41.02024

Population

Bay County Population

199,718+3.8% YoY

Households

Total Households

78,778+3.5% YoY

Household Types ⓘ

U.S. Census ACS

--Not reported for this area (ACS).

Avg Household Size

2.33-0.9% YoY

Age

2024 Age Mix ⓘ

U.S. Census ACS · n = 186,393

186Kresidents

Under 1839,38221.1%

Adults 18–64112,93360.6%

65 & Over34,07818.3%

Age Composition Over Time

U.S. Census ACS · 2017–2024

Population growth (first year = 100)

Share of population (change in pp)

Under 18Adults 18–6465 & Over

Population Under 18

39,382+3.2% YoY

Population 65 & Over

34,078+3.1% YoY

Median Age

41.00-1.0% YoY

Mobility & Veterans

2024 Residential Mobility ⓘ

U.S. Census ACS

of residents

Same house82.3%

Moved (within US)17.1%

Other0.6%

Veterans

13.6%-1.4% YoY

County Economy

County median household income is $74K, 11.9% of residents are below the poverty level, 10.1% work from home.

Income

Median Household Income

$74K+4.8% YoY

Per-Capita Income

$41K+5.0% YoY

Mean Household Income

$97K+4.3% YoY

Poverty

Below Poverty Level

11.9%+1.7% YoY

Transportation to Work

2024 Commute Mode ⓘ

U.S. Census ACS

of workers

Drove alone75.1%

Public transit0.3%

Worked from home10.1%

Other14.5%

Worked From Home

10.1%+14.8% YoY

Mean Commute

23.90-2.8% YoY

Done with 32402? Put it next to another market.