Homes for sale in
Bay County, Florida
Gulf Coast living from beach towns to bayfront neighborhoods
18
Homes for sale
$286,500
Median list price
$277
Avg price / sqft
34
Median days on market
Bay County sits on Florida's Panhandle where the Gulf, St. Andrew Bay, and a run of powder-sand beaches shape daily life. The two anchors are Panama City, the working waterfront and downtown hub, and Panama City Beach, the resort strip that draws sun-seekers year-round. Between them you'll find everything from waterfront homes to inland single-family homes on quieter streets.
Right now the market is small and steady: 17 active listings with a median list price of $299,000, and homes are taking about 38 days to sell. Over the last year 18 homes closed at a median of $299,950, with sellers collecting 96% of asking on average — so pricing is realistic and negotiation happens. Inventory spans a wide range, from entry-level options you can browse by price up to a single listing above $1M.
Within a 30-minute drive of the county center
Quick facts
3 cities & towns
$60,000 – $1.7M price range
1,500 sqft median home
$1,625/mo median rent
Leans buyer right now
Fresh on the market
Newest homes in Bay County
View all 18 homes →
$359,000
23223 FRONT BEACH ROAD UNIT 907, PANAMA CITY BEACH
2 bd · 1.5 ba · 983 sqft
$135,000
7101 CHERRY STREET, PANAMA CITY
2 bd · 1 ba · 800 sqft
$399,900
101 SAND OAK BOULEVARD, PANAMA CITY BEACH
3 bd · 2.5 ba · 1,898 sqft
$348,000
143 GRANDE ISLAND BLVD BOULEVARD, PANAMA CITY BEACH
2 bd · 2.5 ba · 1,496 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
$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
$254,950$264,950
21316 SUNSET AVENUE, PANAMA CITY BEACH
2 bd · 1 ba · 624 sqft
$299,000$318,000
128 N VESTAVIA STREET, PANAMA CITY BEACH
3 bd · 2 ba · 1,504 sqft
$264,999$274,000
274 BAYOU BEND LANE, PANAMA CITY
4 bd · 2 ba · 1,535 sqft
$60,000$75,000
12132 PINERIDGE ROAD, FOUNTAIN
3 bd · 2 ba · 1,136 sqft
16 of 18 active listings shown
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Property features
The numbers that matter
The Bay County market
Leans buyer
13.5 months of inventory
Inventory is building — buyers have leverage and time.
18
Sold, last 12 months
$299,950
Median sold price
96%
Sale-to-list ratio
What sellers actually get vs asking
20 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
▲ 58.0% yr/yr
Homes on the market
▼ 8.7% 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
Two coastal lifestyles
Choose the resort energy of Panama City Beach or the working-waterfront character of Panama City, both on the Gulf and St. Andrew Bay.
Water at the center
Three of the current listings are waterfront and several more offer pools, reflecting how much life here revolves around the coast.
Approachable price points
The median list price is $299,000, with active listings starting as low as $60,000.
A market that moves
Homes sell in a median of 38 days, and sellers are getting 96% of asking — a balanced, realistic market.
Varied housing mix
The inventory includes single-family homes, condos, townhouses, and manufactured homes to fit different budgets and lifestyles.
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
≈ $2,247/mo
$286,500 median · 20% down · 30-yr fixed at 6.9% · taxes/HOA from live listing data · insurance is a Florida estimate.
6%
In a FEMA flood zone
Ask about flood insurance early — it changes the payment
$1,625/mo
Median rent
3 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, it's hard to beat — you get beaches, St. Andrew Bay, and a choice between the resort feel of Panama City Beach and the everyday-city feel of Panama City. The housing mix runs from condos to single-family homes, so there's room for both full-timers and second-home buyers.
Is Bay County expensive?+
It's moderate for coastal Florida, with a median list price of $299,000 and active listings ranging from $60,000 up to nearly $1.7M. That spread means you can find townhomes & condos or entry-level options well below the median if the beachfront tier is out of budget.
What do homes cost in Bay County?+
The median list price is $299,000 and the median sold price over the past year was $299,950, so asking and closing prices are closely aligned. Average price per square foot is about $284, with a median home size around 1,504 square feet.
How is the Bay County market right now?+
It's a small, steady market — 17 active listings and 18 sales in the last 12 months, with homes going in a median of 38 days. Sellers are averaging 96% of asking, so there's modest room to negotiate; keep an eye on anything just reduced for the best value.
What about HOA fees and property taxes?+
The median HOA runs about $253 a month, which is common in the condo and gated segments, while many single-family homes carry no HOA at all. Median property tax is roughly $3,506 a year, and median rent sits around $1,625 a month if you're weighing renting versus buying.
Keep exploring
Nearby counties
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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