Median home value in zip code 32413 (Panama City Beach, FL) is $460,081, down 4.8% year over year. Part of the Panama City, FL metropolitan area.

Home Value$460,081

YoY Change

-4.8%

Prices falling — better for buyers.

Affordability

Enter your income for 32413 (Panama City Beach).

Income (annual)

Down Payment

$92,016 on $460,081

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

Out of reach48.1% of income

Need $128,829/yr to afford.

PITI$3,006

P/I48.1%

Afford$268K

Gap-$192K

P&I $2,326Tax $330Ins $350

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

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

Metro Analysis

32413 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.

View Panama City, FL analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.