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Panama City, FL

Everyday life
Shops, cafes, and daily routines
Hobbies & activities
Trails, parks, and pastimes
Nearby scenery
Lakes, overlooks, and drives

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Around Panama City

Main entrance Panama City, FL
Main entrance Panama City, FL · Photo: Sirberus, CC0
Panama City FL City Hall
Panama City FL City Hall · Photo: Balon Greyjoy, CC0
Rock Tenn Facility Panama City FL
Rock Tenn Facility Panama City FL · Photo: Balon Greyjoy, CC0
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Where it is
Panama City
Panama City in Florida
Florida in the U.S.
State outlines: U.S. Census Bureau.

What's nearby

Within 5 miles of the center of the Panama City area.

16
grocery stores
96
restaurants
6
coffee shops
47
parks
36
playgrounds
2
libraries
2
movie theaters
3
live theaters
2
museums
3
bookstores
7
gyms
15
bars
6
pharmacies
7
hospitals

Counts from OpenStreetMap, a volunteer map, so small or new places can be missing. Map data © OpenStreetMap contributors.

Biking and trails

Within 5 miles of the center of the Panama City area.

Bike lanes and bike paths
11 miles
more than most U.S. towns
Walking and hiking trails
28 miles
more than most U.S. towns

Map data © OpenStreetMap contributors. Counts depend on how well local volunteers have mapped the area, so treat them as a rough guide.

What rent costs

Of about 24,860 rented homes in the Panama City area, 87% rent for under $2,000 a month and 99% for under $3,000.

Under $1,000: 21%
$1,000 to $1,499: 37%
$1,500 to $1,999: 29%
$2,000 to $2,499: 9%
$2,500 to $2,999: 3%
$3,000 or more: 1%

Census American Community Survey 2019 to 2023 (table B25063). Gross rent includes utilities the renter pays. Today's asking rents for open apartments usually run higher.

What moving costs

Hiring movers

Average cost: $1,946

From a 2025 survey of 1,000 people who hired movers. This Old House. Your quote depends on your stuff, stairs and the time of year.

Moving in as a renter

The middle rented home in the Panama City area rents for $1,000 to $1,499 a month. First month plus a one-month deposit comes to about $2,000 to $2,998 before you get the keys.

Estimate from Census rent data (2019 to 2023, rent plus tenant-paid utilities). Deposits and fees vary by landlord and state law.

Your first weeks in Florida

  • Forward your mail: USPS change of address. It costs about $1 online to confirm who you are.
  • Switch your driver's license and car registration. Each state sets its own deadline, often somewhere between 10 days and a few months after you move. Find the Florida DMV.
  • Register to vote at your new address: Florida voter registration.
  • Set up power, gas, water and trash. Some cities bill water and trash together, and some ask new customers for a deposit.
  • Update your address with your bank, employer, insurance and the IRS (Form 8822 if you're not filing soon).
  • Find a doctor and dentist early. New-patient waits can be weeks, even in big cities.

Public schools

One public school district serves this county, with about 27,324 students. Which one serves a home depends on its address.

Bay · Panama City
27,324 students · 18.7 students per teacher · 49 schools · grades Pre-K to 12

NCES Common Core of Data 2022-23, National Center for Education Statistics. Varro doesn't rate or rank schools. For test results and programs, see each district's site and your state's school report card.

Childcare and colleges

Daycare and preschool

Florida keeps an official list of licensed childcare, with inspection reports and openings in many states. In a lot of towns, infant spots fill up months ahead, so it helps to get on waitlists before you move.

Search licensed childcare in Florida →
Link via childcare.gov (U.S. Department of Health and Human Services).

One college in the county around Panama City. Prices are yearly tuition and fees for full-time undergrads, before financial aid.

Gulf Coast State College · Panama City
Public, 4-year · 4,959 students · $2,370 in-state, $8,635 out-of-state

Moving for school? Public colleges charge state residents much less. Most states want you to have lived there about 12 months, for reasons other than school, before you count as a resident for tuition. The rules differ by state, so check with the college's registrar.

IPEDS 2023-24, National Center for Education Statistics (IPEDS). Degree-granting public and nonprofit schools with 100+ students. Varro doesn't rank colleges.

The facts behind it
Typical home value
$344,018
What a typical home sells for across the Panama City area.
Source: Zillow Home Value Index, August 2026
Cost of living
About 3% below the U.S. average
Everyday prices (rent, groceries, services) run about $97 here for what costs $100 nationally.
Source: U.S. Bureau of Economic Analysis price index 97.3 (U.S. = 100), 2024
Average commute
26 minutes one way
How long residents' trips to work take on average, counting every job and way of getting there. U.S. average: about 27 minutes.
Source: U.S. Census (American Community Survey), 2023
Data centers nearby
None within 15 miles
No mapped data center buildings near the town center.
Source: PNNL IM3 Data Center Atlas, from OpenStreetMap (ODbL)
Homeowners insurance
About $7,136 a year
The statewide average for a typical policy in FL. Your own quote will depend on the home.
Source: Statewide estimate, 2026
Natural disaster risk
Relatively Moderate
FEMA's overall rating for the county, covering floods, storms, wildfire, earthquakes and more.
Source: FEMA National Risk Index, December 2025
Hail risk
Very Low
FEMA's rating for hail damage in the county, compared with other U.S. counties.
Source: FEMA National Risk Index, December 2025
Hospitals nearby
7 within 5 miles
Hospitals mapped within 5 miles of the center. Emergency and specialty care vary, so check which ones fit your needs.
Source: OpenStreetMap (ODbL)
Drug overdose deaths (county)
13.5 per 100,000 people a year
27 deaths in the 12 months ending March 2026. FL average: 17.1 per 100,000. U.S.: 19.9. Counts are by where people lived, and recent months may still be updated.
Source: CDC National Center for Health Statistics, provisional counts through March 2026; Census population estimates 2024
Median household income
$70,188
Half of households in the county earn more than this, half earn less.
Source: U.S. Census (American Community Survey), 2023
Property tax
0.6% of home value a year
About $600 a year for every $100,000 of home value.
Source: U.S. Census (American Community Survey), 2023
State income tax
No state income tax
FL's state income tax. Some cities and counties add their own.
Source: 2026

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