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Panama City, FL · 32411

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: . 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

Population

78,778

Median Days on Market

Active Listings

New Listings

Housing Market

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 32411? Put it next to another market.

State

City

Compare with

City

State

City

ZIP codes

Panama City, FL · 32411

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

Population

78,778

Median Days on Market

Active Listings

New Listings

Housing Market

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 32411? Put it next to another market.