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.

See the full metro analysis: Panama City, FL stress score, crash risk, and 12-month forecast →

Home Value$407,799

-5.8%

Rent$1,641/mo

AFFORDABILITY

Enter your income for Panama City Beach.

Income (annual)

Down Payment

$81,560 on $407,799

Out of reach — 43.3% 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$9494K Golden Beach$7499K Fisher Island$6393K Lake Buena Vista$6088K Jupiter Inlet Colony$3619K Manalapan$3569K Golf$2871K Boca Grande$2635K

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