The median home in Panama City Beach, Florida is valued at $407,799, down 5.8% year over year. Typical monthly rent is $1,641, producing a price-to-rent ratio of 20.7x — well above the national average of 18x. Panama City Beach is part of the Panama City, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$407,799

-5.8%

Rent$1,641/mo

Prices falling — better for buyers.

Affordability

Enter your income for Panama City Beach.

Income (annual)

Down Payment

$81,560 on $407,799

Example: $75,000 household income. Change it above to see your own.

Out of reach43.3% of income

Need $115,886/yr to afford.

PITI$2,704

P/I43.3%

Afford$264K

Gap-$144K

P&I $2,062Tax $292Ins $350

Renting $1,063/mo cheaper ($1,641 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Florida

Compare Panama City Beach with other housing markets across Florida.

Jupiter Island$9.49M Golden Beach$7.5M Fisher Island$6.39M Lake Buena Vista$6.09M Jupiter Inlet Colony$3.62M Manalapan$3.57M Golf$2.87M Boca Grande$2.63M

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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Panama City Beach, FL