The median home in Panama City, Florida is valued at $276,347, down 0.8% year over year. Typical monthly rent is $1,783, producing a price-to-rent ratio of 12.9x — below the national average of 18x. Panama City is part of the Panama City, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
See the full metro analysis: Panama City, FL stress score, crash risk, and 12-month forecast →
Home Value$276,347
-0.8%
Rent$1,783/mo
AFFORDABILITYRenting $162/mo cheaper ($1,783 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.
Enter your income for Panama City.
$55,269 on $276,347
Stretch — 31.1% of income
Above 28% but manageable with cuts.
PITI$1,945
P/I31.1%
Afford$249K
Gap-$28K
P&I $1,397Tax $198Ins $350
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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Full Panama City, FL analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Panama City, FL metro.
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