Florida / County

Moving to Panama City, FL

Thinking of making a move to Panama City, 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, FL

Considering a move to Panama City, FL? This welcoming community of 33,983 residents offers a blend of suburban charm and convenience, with median home prices around $229,000 and average rents near $1,130. Commute times average 20 minutes and public transport is accessible, making it great for professionals. The area boasts low violent crime, strong schools, and plenty of sunny days (69% annually), ideal for families and commuters alike. Explore Panama City's cost of living, education, and friendly neighborhoods to see if it's the right fit for your next move.

Demographics - Panama City, FL

Panama City has a population of 33,983 residents, offering a diverse community with a median age of nearly 40 and a balanced gender ratio. The area features a strong blend of backgrounds, with about 65% White, 23% Black, and 2% Asian residents, and over 9% speaking a language other than English at home. Its high population density contributes to a lively suburban atmosphere.

Population
33,983
Density
1,380 per sq mi
Median Age
39.7
Gender Ratio
93 males per 100 females
Non-English Speakers Percentage
8.6%

Ethnic Composition

White
65.2%
Black
22.8%
Asian
2.3%
Others
9.7%

Cost Of Living

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

The cost of living in Panama City is higher than the national average, with a cost of living index of 92.3. Median home values are around $229,000 and average rents for a two-bedroom apartment are approximately $1,130. Utilities, groceries, and transportation costs are also elevated, reflecting the area's desirable location and amenities.

Median House Value
$229,000
Gross Rent
$1,130
Monthly Electricity Charges
$140
Auto Insurance
$2,250
House Owner Cost With Mortgage
$1,390
House Owner Cost Without Mortgage
$480
State Taxes
Low: 0%| High: 0%
Cost Of Living Index
92.3
Grocery
97.1
Housing
79.0
Utilities
103.4
Transportation
93.6
Health Care
97.8
Miscellaneous
94.5

Crime

Is Panama City, FL a safe place to live?

Panama City is considered a safe community, with a low violent crime rate of 667 incidents per 100,000 residents and a property crime chance of 1 in 33. 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
667
Property Crimes Per 100k
3,022
Crime Index
3,689
Chance Of Violent Crime
1 in 150
Chance Of Property Crime
1 in 33

Weather

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

Panama City experiences four distinct seasons, with warm summers reaching highs of 90°F and cold winters dipping to 46°F. The area receives about 62 inches of rainfall annually and enjoys sunshine on 69% of days. This climate offers residents a balanced mix of outdoor opportunities year-round.

Winter

Min
46°F
Max
65°F

Summer

Min
75°F
Max
90°F

Spring

Min
57°F
Max
78°F

Fall

Min
60°F
Max
79°F
Average Rainfall Inches
62.2 inches
Sunny Days Percentage
69%

Neighbors

The neighborhood boasts a healthy median household income of $56,749 and a low poverty rate of 16.5%. Over 89% of residents have at least a high school diploma, and nearly 25% hold a bachelor's degree or higher. Commute times average 20 minutes, and almost 1% use public transportation, reflecting the area's accessibility and educated population.

Median Income
$38,700
Household Income
$56,749
Family Income
$69,100
Per Capita Income
$29,100
Income Male
$41,400
Income Female
$32,800
Poverty Rate
16.5%
Non English Speakers
8.6%
Rent
$1,130
Unemployment Rate
4.2%
Public Transport Usage
0.9%
Commute Time
20.1 minutes

Education

High School or Higher
89.0%
Bachelors or More
25.4%

Education

How are the schools in Panama City, FL?

Panama City offers quality education options, with public schools like Jinks Middle School and Lucille Moore Elementary 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
Jinks Middle School
Street
600 W 11th St
Phone
850-767-4730
Students
700
Student Teacher Ratio
16.2
Name
Lucille Moore Elementary School
Street
1900 Michigan Ave
Phone
850-767-1428
Students
680
Student Teacher Ratio
14.8

Private Schools

Name
Bay Haven Charter Academy
Street
2501 Hawks Landing Blvd
Phone
850-248-3500
Students
1,000

Colleges

Name
Gulf Coast State College
City
Panama City
State
FL
Distance
0 miles
Students
5,700
Name
Florida State University Panama City
City
Panama City
State
FL
Distance
0 miles
Students
1,500

Healthcare

Panama City 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 2.3 per 1,000 people and 85.7% 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
2.3
Health Insurance Coverage
85.7%
Health Care Index
76.4

Housing Market

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

The local housing market is strong, with a median home price of $229,000 and an owner-occupied rate of nearly 54%. The market has seen a 7.3% appreciation over the past year, and rental vacancy rates remain moderate at 7.1%. Panama City offers a mix of stability and opportunity for both buyers and renters.

Median Home Price
$229,000
Average Rent For 2 Bedroom
$1,130
Owner Occupied Rate
53.8%
Rental Vacancy Rate
7.1%
Home Appreciation Rate (1yr)
7.3%
New Construction Rate
2.6%
Foreclosure Rate
0.9%

DMV Information

Residents of Panama City handle vehicle services through the Florida Department of Highway Safety and Motor Vehicles, conveniently located in Panama City. 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
2333 US-231, Panama City, FL 32405
Phone
850-872-4145

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, 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, review the core fields on this page: population 33,983, median home value $229,000, average rent for 2 bedroom $1,130, commute time 20.1 minutes, and sunny days percentage 69%.

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