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Moving to Panama City Beach, FL

Thinking of making a move to Panama City Beach, FL? Get helpful local information about living costs, neighborhoods, schools, weather, housing, DMV details, and practical relocation details before you plan your move.

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Everything You Should Know Before Moving to Panama City Beach, FL

Considering a move to Panama City Beach, FL? This welcoming community of 13,600 residents offers a blend of suburban charm and convenience, with median home prices around $515,000 and average rents near $1,950. Commute times average 23 minutes and public transport is accessible, making it great for professionals. The area boasts low violent crime, strong schools, and plenty of sunny days (66% annually), ideal for families and commuters alike. Explore Panama City Beach's cost of living, education, and friendly neighborhoods to see if it's the right fit for your next move.

Demographics - Panama City Beach, FL

Panama City Beach has a population of 13,600 residents, offering a diverse community with a median age of nearly 47 and a balanced gender ratio. The area features a strong blend of backgrounds, with about 78% White, 8% Black, and 3% Asian residents, and over 8% speaking a language other than English at home. Its high population density contributes to a lively suburban atmosphere.

Population
13,600
Density
1,050 per sq mi
Median Age
46.8
Gender Ratio
96 males per 100 females
Non-English Speakers Percentage
7.8%

Ethnic Composition

White
78.0%
Black
7.5%
Asian
3.2%
Others
11.3%

Cost Of Living

What is the average cost of living in Panama City Beach, FL?

The cost of living in Panama City Beach is higher than the national average, with a cost of living index of 114.8. Median home values are around $515,000 and average rents for a two-bedroom apartment are approximately $1,950. Utilities, groceries, and transportation costs are also elevated, reflecting the area's desirable location and amenities.

Median House Value
$515,000
Gross Rent
$1,950
Monthly Electricity Charges
$165
Auto Insurance
$2,550
House Owner Cost With Mortgage
$2,850
House Owner Cost Without Mortgage
$820
State Taxes
Low: 0.0%| High: 0.0%
Cost Of Living Index
114.8
Grocery
107.5
Housing
138.4
Utilities
121.0
Transportation
103.2
Health Care
102.6
Miscellaneous
100.8

Crime

Is Panama City Beach, FL a safe place to live?

Panama City Beach is considered a safe community, with a low violent crime rate of 220 incidents per 100,000 residents and a property crime chance of 1 in 51. Most residents enjoy peace of mind, making it an attractive choice for families. The crime index remains below many urban areas in Florida.

Violent Crimes Per 100k
220
Property Crimes Per 100k
1,980
Crime Index
2,200
Chance Of Violent Crime
1 in 455
Chance Of Property Crime
1 in 51

Weather

What is the weather like in Panama City Beach, FL year-round?

Panama City Beach experiences four distinct seasons, with warm summers reaching highs of 90°F and cold winters dipping to 44°F. The area receives about 61 inches of rainfall annually and enjoys sunshine on 66% of days. This climate offers residents a balanced mix of outdoor opportunities year-round.

Winter

Min
44°F
Max
63°F

Summer

Min
75°F
Max
90°F

Spring

Min
58°F
Max
80°F

Fall

Min
60°F
Max
82°F
Average Rainfall Inches
61.0 inches
Sunny Days Percentage
66%

Neighbors

The neighborhood boasts a healthy median household income of $72,000 and a low poverty rate of 13.8%. Over 91% of residents have at least a high school diploma, and nearly 29% hold a bachelor's degree or higher. Commute times average 23 minutes, and almost 1% use public transportation, reflecting the area's accessibility and educated population.

Median Income
$49,500
Household Income
$72,000
Family Income
$85,000
Per Capita Income
$36,500
Income Male
$50,800
Income Female
$42,300
Poverty Rate
13.8%
Non English Speakers
11.2%
Rent
$1,950
Unemployment Rate
3.9%
Public Transport Usage
1.4%
Commute Time
23.4 minutes

Education

High School or Higher
90.8%
Bachelors or More
29.4%

Education

How are the schools in Panama City Beach, FL?

Panama City Beach offers quality education options, with public schools like Hutchison Beach Elementary School and Surfside Middle School known for favorable student-to-teacher ratios. Families also have access to private schools and several nearby colleges, including Gulf Coast State College and Florida State University Panama City. The community is committed to educational excellence for all age groups.

Public Schools

Name
Hutchison Beach Elementary School
Street
125 N Bear Creek Rd
Phone
850-767-1860
Students
620
Student Teacher Ratio
15.1
Name
Surfside Middle School
Street
300 Nautilus St
Phone
850-767-1850
Students
720
Student Teacher Ratio
16.0

Private Schools

Name
Wee Care Christian School
Street
17620 Panama City Beach Pkwy
Phone
850-234-7112
Students
180

Colleges

Name
Gulf Coast State College
City
Panama City
State
FL
Distance
12 miles
Students
7,500
Name
Florida State University Panama City
City
Panama City
State
FL
Distance
14 miles
Students
1,500

Healthcare

Panama City Beach residents have access to quality healthcare, with major hospitals like Ascension Sacred Heart Bay and HCA Florida Gulf Coast Hospital nearby. The community benefits from a high physician-to-resident ratio of 1.9 per 1,000 people and 88.4% health insurance coverage. Local healthcare services are reliable and comprehensive.

Major Hospitals

Name
Ascension Sacred Heart Bay
Address
615 N Bonita Ave, Panama City, FL 32401
Phone
(850) 769-1511
Type
General & Surgical
Emergency Services
Yes
Name
HCA Florida Gulf Coast Hospital
Address
449 W 23rd St, Panama City, FL 32405
Phone
(850) 769-8341
Type
General & Surgical
Emergency Services
Yes

Healthcare Access

Physicians Per 1000
1.9
Health Insurance Coverage
88.4%
Health Care Index
72.8

Housing Market

What is the housing market like in Panama City Beach, FL?

The local housing market is strong, with a median home price of $515,000 and an owner-occupied rate of nearly 68%. The market has seen a 4.3% appreciation over the past year, and rental vacancy rates remain moderate at 8.1%. Panama City Beach offers a mix of stability and opportunity for both buyers and renters.

Median Home Price
$515,000
Average Rent For 2 Bedroom
$1,950
Owner Occupied Rate
67.8%
Rental Vacancy Rate
8.1%
Home Appreciation Rate (1yr)
4.3%
New Construction Rate
2.8%
Foreclosure Rate
0.4%

DMV Information

Residents of Panama City Beach handle vehicle services through the Florida Department of Highway Safety and Motor Vehicles, conveniently located in Tallahassee. The state DMV provides driver licensing, vehicle registration, and other essential services both in person and online. Information and resources are easily accessible for new and existing residents.

State
Florida
Department
Florida Department of Highway Safety and Motor Vehicles
Address
2900 Apalachee Parkway, Tallahassee, FL 32399
Phone
1-850-617-2000

Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.

FAQs About Moving to Panama City Beach, FL

Answers use the same city data shown on this page, including costs, housing, schools, safety, weather, healthcare, and DMV details.

Before moving to Panama City Beach, review the core fields on this page: population 13,600, median home value $515,000, average rent for 2 bedroom $1,950, commute time 23.4 minutes, and sunny days percentage 66%.

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