Median home value in zip code 32401 (Panama City, FL) is $206,833, down 3.9% year over year. Part of the Panama City, FL metropolitan area.

Home Value$206,833

YoY Change

-3.9%

Prices falling — better for buyers.

Affordability

Enter your income for 32401 (Panama City).

Income (annual)

Down Payment

$41,367 on $206,833

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

Affordable24.7% of income

Under the 28% guideline.

PITI$1,544

P/I24.7%

Afford$234K

Room+$28K

P&I $1,046Tax $148Ins $350

6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

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

Metro Analysis

32401 is part of the Panama City, FL metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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