"Panama City Beach, Florida – Sun, Sand, and Fun on the Gulf Coast! Immerse yourself in the perfect blend of stunning beaches, exciting water sports, and vibrant nightlife. Discover family-friendly activities, oceanfront dining, and the best beachfront resorts. Explore Panama City Beach for your next unforgettable Gulf Coast vacation, full of sun, sea, and relaxation."
18,493 people live in PANAMA CITY BEACH, where the median age is 45.2 and the average individual income is $50,766. Data provided by the U.S. Census Bureau.
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Population Density Population Density This is the number of people per square mile in a neighborhood.
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Known for its iconic sugar-white sand beaches and emerald-green Gulf waters, Panama City Beach offers a coastal lifestyle that appeals to full-time residents, second-home buyers, and real estate investors alike. Located along Florida’s Emerald Coast, the area blends relaxed beach living with resort-style amenities, outdoor recreation, and a steadily growing year-round community.
Stretching approximately 27 miles along the Gulf of Mexico, Panama City Beach is defined by expansive beaches, waterfront neighborhoods, and a mix of residential and resort-oriented districts. Residents enjoy access to boating and water sports on the Gulf and Grand Lagoon, preserved natural areas such as St. Andrews State Park, and convenient commercial hubs like Pier Park. Real estate options range from Gulf-front condominiums and low-rise communities to single-family homes and luxury waterfront estates with private docks.
| Key Facts about Panama City Beach, FL | |
|---|---|
| Area | ~19 sq mi (city limits) |
| County | Bay County |
| Incorporated | 1970 |
| Population (recent est.) | ~18,000 (seasonally much higher) |
| Notable Areas | Front Beach Road • Back Beach Road • Pier Park • Grand Lagoon • West End • Lower Grand Lagoon |
| Signature Attractions | 27 miles of white-sand beaches • St. Andrews State Park • Pier Park • Gulf boating & fishing • Water sports • Seasonal festivals |
| Main Roads | US 98 (Back Beach Road) • Front Beach Road • Panama City Beach Parkway |
From Gulf-front condominiums to quiet waterfront neighborhoods, Panama City Beach combines natural beauty, coastal recreation, and diverse real estate opportunities—supporting both relaxed living and long-term value along Florida’s Emerald Coast.
Panama City Beach is located along Florida’s Emerald Coast in Bay County, fronting the Gulf of Mexico with approximately 27 miles of continuous white-sand shoreline. The city stretches west to east along Front Beach Road and US 98, connecting beachfront districts, residential neighborhoods, and major commercial centers. Daily transportation is primarily car-based, with walkable resort zones and seasonal trolley services supporting local movement.
Regional and long-distance travel is supported by Northwest Florida Beaches International Airport (ECP), direct highway access across the Panhandle, and nearby connections to Panama City, Destin, and surrounding coastal communities. Boating also plays a key role in local mobility, particularly around Grand Lagoon and St. Andrews Bay.
| Connectivity & Transportation — Panama City Beach, FL | |
|---|---|
| Location Map & Area Overview | Northwest Florida coastal city along the Gulf of Mexico, extending roughly 27 miles from the western city limits to the Grand Lagoon area. Primary corridors include Front Beach Road (beachfront access) and US 98 / Back Beach Road (commercial and residential spine). |
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*Seasonal congestion may affect travel times
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| Parking | Public beach access points, shopping centers, and parks typically offer on-site parking. Condo communities and resorts may require permits or guest passes; peak season availability varies. |
| Walking & Cycling | Walkability is highest near Pier Park and resort clusters. Multi-use paths and bike lanes are present along select corridors, though most longer trips require a vehicle. |
| Taxi & Ride Apps | Uber and Lyft operate throughout Panama City Beach, with increased availability during peak tourist seasons. Local shuttle and charter services support group travel and airport transfers. |
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| Accessibility & EV | Many beaches, parks, and public facilities provide ADA-accessible amenities. EV charging stations are available at select hotels, shopping centers, and public parking areas. |
Panama City Beach offers practical regional connectivity paired with a relaxed coastal setting—easy highway access, a nearby international airport, and water-based travel options support both everyday living and a resort-oriented lifestyle.
Panama City Beach’s housing market is shaped by its coastal lifestyle and a wide mix of Gulf-front condos, single-family neighborhoods, and select waterfront luxury. In late 2025, the median sale price is around $408K with a median price per sq. ft. near $342. Homes often spend about three to four months on market on average, with prime Gulf-view properties and updated homes moving faster than older inventory or listings with higher HOA and insurance overhead. Pricing can swing meaningfully by proximity to the beach, rental flexibility, building amenities, and flood/insurance considerations—so buyers frequently evaluate total monthly ownership cost alongside purchase price.
| Property Type | Median Price (USD) | Price per Sq.Ft (USD) | Average Rent (USD/month) | Rental Yield |
|---|---|---|---|---|
| 2BR Condo / Beach-Area Residence | $350,000 (est.) | $350 (est.) | $1,900 | 6.5% (est.) |
| 2BR Townhome / Low-Rise Community | $425,000 (est.) | $325 (est.) | $2,100 | 5.9% (est.) |
| 3BR Single-Family Home | $525,000 (est.) | $300 (est.) | $2,700 | 6.2% (est.) |
| 4BR Waterfront / Luxury Coastal Home | $1,150,000 (est.) | $420 (est.) | $3,300 | 3.4% (est.) |
Methodology & Notes: Late-2025 market benchmarks use a citywide median sale price (~$408K), median $342/sq.ft., and ~116 median days on market as reference points, then applied to typical property profiles for segment estimates. Rent figures reflect 2025 area averages by bedroom count and property type. Yield estimates are indicative only and vary by HOA dues, insurance (including wind), STR rules, furnishing/management costs, and distance to the Gulf.
Life in Panama City Beach centers on Gulf-front living, boating culture, and a relaxed coastal pace. Along Florida’s Emerald Coast, the city’s communities stretch from the quieter West End to the resort-oriented central beachfront and the Grand Lagoon area. US 98 (Back Beach Road) and Front Beach Road shape daily movement, while walkable pockets near Pier Park and beach access points support an easy, outdoors-first routine.
Northwest Florida coastal city on the Gulf of Mexico with roughly 27 miles of shoreline. Primary spines: US 98 / Back Beach Road (commercial/residential) and Front Beach Road (beach access and resorts).
Coastal and casual with a strong year-round resident base plus seasonal visitors. Neighborhoods range from quiet, family-oriented areas and gated communities to condo-centric beach zones and boating communities near Grand Lagoon.
A mix of fresh seafood staples, waterfront grills, and chef-driven spots—anchored by casual beach favorites and a growing set of locally owned restaurants. Popular areas cluster near Pier Park, Front Beach Road, and around the lagoon.
Served primarily by Bay District Schools, with additional charter and private options across Bay County. Families often evaluate school zoning, commute times, and program offerings when choosing neighborhoods.
Inventory spans Gulf-front high-rises, low-rise condo communities, townhomes, and single-family neighborhoods. Key due diligence items often include HOA scope, insurance requirements, flood considerations, and short-term rental rules.
Most daily travel is by car. Seasonal trolley service supports key beach corridors, and rideshare is common. For regional travel, ECP airport provides convenient access, while I-10 connections support broader road travel.
Warm, coastal climate with long summers and mild winters. Humidity and coastal weather patterns are typical, so buyers often consider wind mitigation, storm prep, and insurance planning as part of homeownership.
Everyday needs are concentrated along US 98 and near Pier Park, with beach access points, parks, marinas, and recreation facilities throughout the city. Fitness, golf, and waterfront leisure are widely available.
A blend of full-time residents, second-home owners, military-connected households in the broader region, and seasonal tourism. Service, hospitality, healthcare, and small business are key parts of the local economy.
Iconic beaches, strong outdoor recreation (boating, fishing, paddleboarding), a broad range of housing options, and a lifestyle that supports both primary living and second-home flexibility.
Seasonal traffic and crowding during peak travel periods; ownership costs can be influenced by HOA dues and insurance. Property performance can also be seasonal for vacation-rental-focused buyers.
Beach days, boating on Grand Lagoon, fishing charters, snorkeling and paddleboarding, trail time at St. Andrews State Park, and day trips to nearby coastal preserves and scenic drives along the Emerald Coast.
Panama City Beach delivers a coastal lifestyle built around the water—everyday beach access, marina culture, and year-round outdoor recreation—supported by practical connectivity and a range of real estate options from condos to waterfront homes.
Panama City Beach offers a practical yet lifestyle-driven mix of amenities—from regional healthcare and everyday shopping to waterfront recreation, fitness options, and coastal leisure. These services support both full-time residents and second-home owners seeking comfort, convenience, and access to the outdoors.
Families in Panama City Beach are primarily served by the Bay District Schools, with additional charter and private options in the greater Bay County area. Common choices include neighborhood elementary schools, the city’s primary middle school, and the local high school, along with early-learning programs and private preschools.
Many campuses emphasize college-prep pathways, career and technical education, fine arts, athletics, and student support services. Always confirm current attendance zones, transfers, and program availability before enrolling.
| School / Preschool | Type | Location | Highlights |
|---|---|---|---|
| Hutchison Beach Elementary School | Public (K–5) — Bay District Schools | Panama City Beach | Neighborhood elementary with a family-focused school community; convenient access for many central beach-area households. |
| Patronis Elementary School | Public (K–5) — Bay District Schools | Panama City Beach | Strong parent/community involvement; convenient for families near the east end and Grand Lagoon area. |
| West Bay Elementary School | Public (K–5) — Bay District Schools | Panama City Beach (West End / North) | Serves growing residential areas; often considered by families prioritizing newer neighborhood development patterns. |
| Surfside Middle School | Public (6–8) — Bay District Schools | Panama City Beach | Standards-based curriculum with technology-rich instruction; central option for many PCB families. |
| J. R. Arnold High School | Public (9–12) — Bay District Schools | Panama City Beach | Primary public high school serving PCB; broad academics, arts, and athletics with college and career readiness pathways. |
| Breakfast Point Academy | Public (PK–8) — Bay District Schools | Panama City Beach | PK–8 campus option in PCB; popular for families seeking a single campus for elementary and middle grades. |
| Bay District Schools Pre-K Programs (varies by campus) | Public Pre-K | Bay County / Panama City Beach area | Early learning options offered through the district; availability varies by school site and eligibility. |
| Primary Prep Pre-School (example) | Private Preschool | Panama City Beach area | Early learning option for families seeking private preschool programming near the beach corridor. |
| Learning Tree II Child Development Center (example) | Private Childcare / Preschool | Panama City Beach area | Childcare-oriented early learning; useful for working families needing extended-day schedules. |
District: Bay District Schools. Tip: Attendance zones, transfers, magnet/choice availability, and early-learning openings can change—always verify boundaries, transportation, and admissions requirements directly with the district and each school.
Panama City Beach has emerged as one of Northwest Florida’s most active coastal real estate markets, supported by year-round tourism, strong in-migration, and sustained demand for beach-oriented living. Investors are drawn to the area’s combination of relatively attainable entry points, Gulf-front appeal, and diversified demand spanning primary residences, second homes, and vacation rentals. Home values have demonstrated steady appreciation since 2020, with continued resilience through shifting interest rate environments.
Why Panama City Beach? The market benefits from limited Gulf-front land, consistent visitor demand, and infrastructure investment across Bay County. As of late 2025, median home prices remain well below many comparable Florida beach markets, while rental demand—both long-term and seasonal—supports competitive yields. Waterfront and near-beach properties command premiums, particularly those with favorable zoning, updated construction, and strong amenity packages.
| Market Segment | Median Price | YOY Change | Days on Market |
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| Panama City Beach (Overall) | $408K | +4.5% | ~110 days |
| Gulf-Front Condos | $525K | +5.8% | ~95 days |
| Inland Single-Family Homes | $510K | +4.0% | ~120 days |
| Waterfront (Lagoon / Bay) | $1.1M–$3M+ | +5.0% | ~90 days |
Panama City Beach offers compelling fundamentals for real estate investors. Limited Gulf-front supply, steady population growth in Bay County, and ongoing tourism demand support long-term value retention. Properties with strong beach proximity, favorable HOA structures, and efficient insurance profiles tend to outperform the broader market.
Key Investment Highlights:
Whether focused on income-producing condos, long-term residential holds, or premium waterfront assets, Panama City Beach presents a balanced investment profile—combining coastal demand, manageable entry points, and long-term appreciation potential along Florida’s Emerald Coast.
Along Florida’s Emerald Coast, Panama City Beach offers a lifestyle built around Gulf-front living and everyday access to the water. From the West End’s quieter residential feel to the energy around Pier Park and the boating culture near Grand Lagoon, each area delivers its own rhythm—anchored by sugar-white sand beaches and emerald waters.
Housing options range from Gulf-view condominiums and low-rise communities to single-family neighborhoods and waterfront homes with canal, lagoon, or bay access. Premiums typically rise with direct beach frontage, strong building amenities, updated construction, and boating features such as lifts and private docks. Short-term rental opportunities exist in many parts of the market, but rules can vary by zoning and HOA—buyers should review local requirements carefully.
Daily life revolves around beach time, boating, and outdoor recreation. Residents enjoy St. Andrews State Park, fishing and water sports, local dining, and seasonal events, with practical convenience along US 98 and easy regional access via Northwest Florida Beaches International Airport (ECP). Shopping, healthcare, and schools are supported across Bay County, with everyday services close to most neighborhoods.
With its blend of coastal lifestyle, livability, and long-term demand, Panama City Beach continues to attract full-time residents, second-home buyers, and investors seeking a beach market with year-round appeal.
Explore Panama City Beach Real Estate →Panama City Beach blends coastal lifestyle, accessibility, and investment potential—offering opportunities to live, invest, and enjoy Florida’s Emerald Coast year-round.
PANAMA CITY BEACH has 8,470 households, with an average household size of 2.17. Data provided by the U.S. Census Bureau. Here’s what the people living in PANAMA CITY BEACH do for work — and how long it takes them to get there. Data provided by the U.S. Census Bureau. 18,493 people call PANAMA CITY BEACH home. The population density is 957.05 and the largest age group is Data provided by the U.S. Census Bureau.
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There's plenty to do around PANAMA CITY BEACH, including shopping, dining, nightlife, parks, and more. Data provided by Walk Score and Yelp.
Explore popular things to do in the area, including Tiki Mike's Exotic Tea and Coffee Bar, Emerald Coast Olive Oil, and Panama City Beach SUP.
| Name | Category | Distance | Reviews |
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| Dining | 3.61 miles | 16 reviews | 5/5 stars | |
| Dining · $ | 2.86 miles | 6 reviews | 5/5 stars | |
| Active | 4.63 miles | 6 reviews | 5/5 stars | |
| Active | 1.38 miles | 14 reviews | 4.9/5 stars | |
| Beauty | 2.27 miles | 19 reviews | 5/5 stars | |
| Beauty | 0.86 miles | 10 reviews | 5/5 stars | |
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