Area data
Panama city beac, FL — ZIP 32413
Population: 15,453 (Census ACS)
Home values & appreciation
- Median home value
- $470,917
- 1-year appreciation
- -1.8%
- 3-year appreciation
- -11.1%
- 5-year appreciation
- +17.2%
- 10-year appreciation
- +90.7%
- All-time peak (2022-08)
- $534,806
- House Price Index
- 542.2 (-2.6% YoY)
Market activity
- Median sale price
- $345,000
- Median list price
- $431,898
- Median days on market
- 67 days
- Sale-to-list ratio
- 97.4%
- Active listings
- 43
- 1-year forecast
- -0.2%
- Days to pending
- 133 days
- New listings (monthly)
- 115
Rents
- Typical rent
- $1,774/mo
- 1-year rent change
- +7.5%
- 1BR fair-market rent
- $1,373/mo
- 3BR fair-market rent
- $2,111/mo
Affordability
- Cost of living index (Above Average)
- 101.0 (100 = US avg)
- Electricity rate (state-level)
- 15.2¢/kWh
- Natural gas rate (state-level)
- $25.50/MCF
- 30-year mortgage rate (national)
- 6.66%
- 15-year mortgage rate (national)
- 6.00%
Schools
- Total schools
- 2
- Elementary schools
- 1
- Middle schools
- 1
- High schools
- 0
Natural hazards & flood risk
- Overall hazard risk
- Relatively Moderate
- Top hazards
- hurricane, lightning, tornado, coastalFlooding, coldWave
- FEMA flood zone
- X
- Flood risk level
- Minimal
Climate (30-year normals)
- Annual precipitation
- 65.3 in
Air quality
- Air quality rating
- Moderate
- Median AQI (annual)
- 51
- Days with Good air quality
- 176
Walkability & transit
- Walkability index
- 12.7 / 20
- Transit service frequency
- 901
Amenities
- Nearest airport
- Northwest Florida Beaches International Airport (ECP) (7 mi)
- Nearest major airport
- Northwest Florida Beaches International Airport (ECP) (7 mi)
- Hospitals nearby (~15 mi)
- 3
- Avg hospital rating
- 3.0 / 5
- Solar radiation rating
- Good (4.8 kWh/m²/day)
Migration
- Net migration
- +1,965 tax filers
Housing stock
- Median year housing built
- 1,999
- Median annual property tax
- $2,513
- Mean commute to work
- 18 min
- Households with broadband internet
- 77.0%
Employment & development
- Total county employment
- 67,345
- Average weekly wage
- $954
- Top industries (by employment)
- Accommodation & Food, Health Care, Construction
- Annual residential building permits (county)
- 205
Area data compiled from public government, academic, and industry research feeds. Data sources →
Data last updated
Most recent source refresh: Aug 2026. See all data sources →