Homes for sale in
Bay County, Florida
Gulf Coast living from the beach to the bay
11
Homes for sale
$269,000
Median list price
$208
Avg price / sqft
25
Median days on market
Bay County sits on Florida's Panhandle where the Gulf coastline shapes daily life, anchored by Panama City on the bay side and the sugar-white sand of Panama City Beach. It's a place that runs on the water and the outdoors, and the housing here reflects that mix — mostly detached single-family homes with a handful of manufactured homes rounding out the choices.
Right now the market is small and moving at a steady clip: just 11 active listings with a median list price of $269,000, and homes are going under contract in about 25 days. Sold prices over the past year land almost exactly at asking — sellers pull in 95% of list on average — so this is a market where fair pricing gets results. Buyers watching their budget can browse by price or keep an eye on what's just reduced.
Within a 30-minute drive of the county center
Quick facts
3 cities & towns
$60,000 – $422K price range
1,504 sqft median home
$2,100/mo median rent
Leans buyer right now
Fresh on the market
Newest homes in Bay County
View all 11 homes →
$308,950
243 WOODLAWN COURT, PANAMA CITY BEACH
4 bd · 2 ba · 1,606 sqft
$399,900
101 SAND OAK BOULEVARD, PANAMA CITY BEACH
3 bd · 2.5 ba · 1,898 sqft
$264,950
21316 SUNSET AVENUE, PANAMA CITY BEACH
2 bd · 1 ba · 624 sqft
$318,000$319,000
128 N VESTAVIA STREET, PANAMA CITY BEACH
3 bd · 2 ba · 1,504 sqft
$274,000
274 Bayou Bend Lane, Panama City FL 32404, PANAMA CITY
3 bd · 2 ba · 1,887 sqft
$249,000
8817 S Thomas Drive # A114, Panama City FL 32408, PANAMA CITY
0 bd · 1 ba · 489 sqft
$274,000
274 BAYOU BEND LANE, PANAMA CITY
3 bd · 2 ba · 1,535 sqft
$269,000
219 N EAST AVENUE, PANAMA CITY
3 bd · 2 ba · 1,665 sqft
$134,500$135,500
5205 E 11TH STREET, PANAMA CITY
3 bd · 1 ba · 1,067 sqft
$234,900$249,900
644 16TH STREET, PANAMA CITY BEACH
2 bd · 2 ba · 863 sqft
$60,000$75,000
12132 PINERIDGE ROAD, FOUNTAIN
3 bd · 2 ba · 1,136 sqft
$659,000
9900 S Thomas Drive # 2331, Panama City FL 32408, PANAMA CITY
3 bd · 3 ba · 1,400 sqft
11 of 11 active listings shown
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Property features
The numbers that matter
The Bay County market
Leans buyer
16.5 months of inventory
Inventory is building — buyers have leverage and time.
19
Sold, last 12 months
$270,000
Median sold price
95%
Sale-to-list ratio
What sellers actually get vs asking
15 days
Median time to sell
Bay County vs Florida
Median list price
Price per sqft
Days on market
Median sold price — 3-yr, 3-mo rolling
▲ 28.0% yr/yr
Homes on the market
▼ 35.0% yr/yr
Homes sold per month
Live Stellar MLS data — listings and closed sales in Bay County, FL. Rolling medians smooth single-month swings.
Pick your town
Cities in Bay County
Show all 3 Bay County cities A–ZHide the full city list+
Beyond the listings
Living in Bay County
Gulf and bay lifestyle
With Panama City on the bay and Panama City Beach on the Gulf, the water is central to how the county lives, plays, and gets around.
Wide price range
Active listings span from $60,000 to $421,500, giving buyers real room to move between entry-level and mid-tier homes.
Fast-moving inventory
Homes here sell in a median of 25 days, so well-priced listings don't sit long.
Low carrying costs
A median property tax of $1,503 a year and HOA fees around $43 a month keep monthly ownership costs manageable.
Mostly single-family homes
Eight of the eleven active listings are single-family residences, with manufactured homes filling out the affordable end.
Population
181,368
Median age
41.4
Median income
$70,188
Median home value
$276,900
What people here are into
Culture
Top 15% in the U.S.Sites to See
This population finds the most beautiful sites just by looking up. Sunrise, sunset or sometime in between, these people love to marvel at man-made and natural wonders.
Hobbies & Interests
Top 16% in the U.S.Wanderlust
Always thinking about their next destination, this population loves exploring new places abroad or right in their own backyard. They hold onto past trips by sharing their favorite memories and pictures year round.
Lifestyles
Top 18% in the U.S.Wealth Signaling
Interested in the finer things life has to offer, this population wants to display their lifestyle by discussing luxury products. Often references jewelry, cars, and home features.
Appearance oriented
Trend Trackers
This population lives as fast as the culture. They like to keep up with the latest trends, especially when it comes to apparel and accessories.
Entertainment
Lighthearted Fun
This population is all about keeping the mood light and good, clean fun. Common activities include spending time outdoors, catching up with friends, and dancing.
Appearance oriented
Smart Chic
Passionate about style, smart chic searches high and low for the perfect look - but not one that will break the bank.
What it really costs
Owning here
Owning the median Bay County home
≈ $1,795/mo
$269,000 median · 20% down · 30-yr fixed at 6.9% · taxes/HOA from live listing data · insurance is a Florida estimate.
9%
In a FEMA flood zone
Ask about flood insurance early — it changes the payment
$2,100/mo
Median rent
1 homes for rent right now
Straight answers
Bay County real estate FAQs
Is Bay County a good place to live?+
If you want Gulf Coast living, Bay County delivers it two ways — the bayfront energy of Panama City and the beaches of Panama City Beach. The housing stock is mostly single-family, and with a median rent around $2,100 a month, it draws both owners and renters who want to be near the water.
Is Bay County expensive?+
It's reasonably priced by Florida coastal standards, with a median list price of $269,000 and homes running about $208 per square foot. Active listings stretch from $60,000 all the way to $421,500, so there's genuine range depending on what you're after — you can browse by price to see the lower end.
What do homes cost in Bay County?+
The median list price is $269,000, and homes that sold over the past year closed at a median of $270,000 — very close to asking. At roughly $208 per square foot and a median home size of 1,504 square feet, pricing is consistent across the current inventory.
How is the Bay County market right now?+
It's a small but active market, with 11 homes listed and 19 sales in the past 12 months. Median days on market is 25 and sellers are getting 95% of their asking price on average, which points to fair, realistic pricing rather than bidding wars.
What about HOA fees and property taxes?+
Ongoing costs are modest here, with a median HOA of about $43 a month and median property taxes around $1,503 a year. Many of the single-family homes carry little or no HOA at all, so budget expectations depend on the specific community.
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IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS. Market statistics are computed from listing and sold data and change as the market moves.
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