Median Income
$69,388
8% lower than US avg
Home Value
$215,300
24% lower than US avg
Violent Crime
311/100K
18% lower than US avg
Bachelor's+
22.8%
32% lower than US avg
Median Rent
$1,319
13% higher than US avg
Obesity Rate
34.4%
7% higher than US avg
Unemployment
2.5%
31% lower than US avg
Poverty Rate
5.7%
54% lower than US avg
How Callaway Compares to the U.S. Average (100% = U.S. avg)
People
Population13,297
Median Age37.1 yrs
Density1,413/mi²
Male / Female52% / 48%
Largest GroupWhite 61%
Veterans19.1%
Economy
A
Median Income$69,388
Per Capita$33,698
Unemployment2.5%
Poverty5.7%
County GDP$13,467M
Commute24 min
Housing
A+
Home Value$215,300
Rent$1,319
Ownership59.6%
Zillow$257,676
Housing Units6,489
Rent Burden31.0%
Crime
F
Violent311/100K
Property3,198/100K
Health
Obesity34.4%
Uninsured15.1%
Smoking16.3%
Depression21.3%
Heart Disease6.3%
Climate
Avg Temp70°F (21°C)
AQI41 (Good)
Sunny Days308/yr
Elevation5 ft (2 m)
Education
C+
Bachelor's+22.8%
High School+86.3%
Graduate+4.5%
School Score5.78
Community
2024 VoteR 73% / D 26%
Commute24 min
Broadband94.0%
EV Stations1
Libraries4
Is Callaway a Good Place to Live?
Based on current data, Callaway receives an overall livability score of 3.3 out of 5.0, earning a grade of B. Key strengths include low unemployment, affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include a high uninsured rate. Callaway offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Callaway is $69,388, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 2.5%. Only 5.7% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 24 minutes.
Cost of Living & Housing
The median home value in Callaway is $215,300, 24% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,319 per month. A price-to-income ratio of 3.1x indicates a reasonably affordable housing market.
Safety & Crime
Violent crime in Callaway is below the national average at 311 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 3,198 per 100,000, 63% above the national average.
Education
22.8% of residents hold a bachelor's degree, below the national average of 33.7%. 86.3% have completed high school. Area schools have an average test score of 5.8/10.
Climate & Weather
Callaway enjoys a moderate climate with an average annual temperature of 70°F. Winters average 54°F in January while summers reach 83°F in July. With 308 sunny days per year, residents enjoy well above the national average of sunshine. Air quality is rated Good with a median AQI of 41.
Callaway has a population of 13,297 with a density of 1,413 people per square mile, spread across 9.5 square miles. The median age is 37.1 years, 5% younger than the national median of 38.9. The gender split is 47.9% female and 52.1% male. The city is predominantly White (61.2%), with 18.9% Black. English is the primary language spoken at home by 85.9% of residents, while 14.1% speak Spanish. 19.1% of the population are veterans, above the national rate of 6.0%. 17.3% of residents have a disability (above the 13.0% national average). 85.3% have health insurance coverage.
Population
37.1yrs
Median Age
5% below US avg
Language Spoken at Home
English Only
85.9%
9% above US avg
Spanish
14.1%
5% above US avg
The median household income in Callaway is $69,388, which is 8% below the national average of $75,149. Per capita income is $33,698 (below the $39,052 national figure). The average weekly wage is $1,027, 28% lower than the U.S. average. The unemployment rate is 2.5% (below the 3.6% US average). 5.7% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 6,848 business establishments, including 563 restaurants. The cost of living index is 103.4, roughly in line with the national average. Workers commute an average of 24 minutes. 4.8% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $69,388 |
| 8% below US avg |
| Per Capita Income | $33,698 |
| Avg Weekly Wage | $1,027 |
| IRS Avg AGI | $74,882 |
| Gini Index | 0.441 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.5% |
| 31% below US avg |
| Poverty Rate | 5.7% |
| 54% below US avg |
| Establishments (County) | 6,848 |
| County GDP | $13,467M |
Business (County)
| Restaurants | 563 |
| Healthcare | 574 |
| Retail | 812 |
| Manufacturing | 108 |
Tax & Cost of Living
| Property Tax (IRS) | $5,234 |
| 50% above US avg |
| Cost of Living | 103.40 (100=avg) |
| Effective Tax Rate | 2.43% |
Commute & Transportation
| Commute Time | 24.4 min |
| Drive Alone | 82.8% |
| Public Transit | 0.2% |
| Work from Home | 4.8% |
The median home value in Callaway is $215,300, 24% below the national median of $281,900. Zillow estimates the typical home value at $257,676, higher than the Census estimate. Homes sell for 98.7% of their list price. Monthly rent averages $1,319 (13% above the national average of $1,163). Fair market rent ranges from $1,296 for a one-bedroom to $1,526 for a two-bedroom apartment. 59.6% of housing units are owner-occupied. There are 6,489 total housing units in the city. The median year a home was built is 1988. The average annual property tax is $5,234 (higher than the $3,500 national average). 31.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.1x.
Home Values
| Census Median | $215,300 |
| 24% below US avg |
| Zillow ZHVI | $257,676 |
| Median List Price | $255,000 |
Real Estate Market (Redfin)
| Median List Price | $255,000 |
| $/Sq Ft | $179 |
| Homes Sold | 24 |
| Sale-to-List Ratio | 98.7% |
| Price Drops | 20.6% |
| Inventory | 146 |
Rental Costs
| Census Median Rent | $1,319 |
| 13% above US avg |
| Zillow Rent (ZORI) | $1,901 |
| Rent Burden | 31.0% |
HUD Fair Market Rent
| Studio | $1,212 |
| 1 Bedroom | $1,296 |
| 2 Bedrooms | $1,526 |
| 3 Bedrooms | $1,971 |
| 4 Bedrooms | $2,261 |
Ownership & Property
| Homeownership | 59.6% |
| Owner-Occupied | 59.6% |
| Renter-Occupied | 40.4% |
| Housing Units | 6,489 |
| Median Year Built | 1988 |
Property Tax
| Avg Tax (IRS) | $5,234 |
| 50% above US avg |
| Effective Rate | 2.43% |
In Callaway, 34.4% of adults are obese, above the national rate of 32.1%. 11.1% have diabetes. Heart disease affects 6.3% of residents. 35.0% have high blood pressure. 16.3% are current smokers. 17.4% report binge drinking. 26.8% are physically inactive. 21.3% report depression. 19.7% experience frequent mental distress. 15.1% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:1,739. The dentist ratio is 1:1,698. 69.4% of residents have access to exercise opportunities. The food environment index is 7.4 out of 10.
Air Quality (Open-Meteo CAMS — 2026-05-24)
PM2.5
5.8
μg/m³
Fine particulate
PM10
9.0
μg/m³
Coarse particulate
NO₂
0.8
μg/m³
Nitrogen dioxide
SO₂
0.4
μg/m³
Sulphur dioxide
CO
118.0
μg/m³
Carbon monoxide
Health Metrics: Callaway vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.4% |
| 7% above US avg |
| Diabetes | 11.1% |
| Heart Disease | 6.3% |
| High Blood Pressure | 35.0% |
| Asthma | 10.4% |
| COPD | 7.4% |
| Cancer | 7.0% |
| Stroke | 3.4% |
Behaviors & Mental Health
| Smoking | 16.3% |
| 16% above US avg |
| Binge Drinking | 17.4% |
| Physical Inactivity | 26.8% |
| Depression | 21.3% |
| Mental Distress | 19.7% |
| Physical Distress | 14.8% |
| Short Sleep | 42.1% |
Healthcare Access
| Insurance Rate | 85.3% |
| Uninsured | 15.1% |
| 76% above US avg |
| Primary Care | 1:1,739 |
| Dentists | 1:1,698 |
| Mental Health | 1:357 |
| Checkup Rate | 73.9% |
| Dental Visits | 52.6% |
| Premature Death | 11,538/100K |
Food & Exercise
| Food Environment | 7.4/10 |
| Exercise Access | 69.4% |
| Healthcare Facilities | 574 |
Callaway has a violent crime rate of 311 per 100,000 residents, 18% below the national average of 380. Property crime stands at 3,198 per 100,000, 63% above the U.S. average. The county recorded 46 fatal traffic crashes. The area has experienced 182 federally declared disasters. Overall, Callaway receives a safety grade of F.
Crime Rates: Callaway vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 310.9/100K |
| 18% below US avg |
| |
Property Crime
| Total Property | 3,197.9/100K |
| 63% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 46 |
| Avg Accident Severity | 0.0 / 4.0 |
| FEMA Disasters | 182 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Callaway enjoys a temperate climate with an average annual temperature of 70°F (21°C). Winters average 54°F in January while summers reach 83°F in July. The area gets 308 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 5 feet, near sea level.
Temperature
54°F Jan (12°C)
83°F Jul (28°C)
| Annual Average | 69.7°F |
| 29% above US avg |
| January Average | 54°F (12°C) |
| July Average | 83°F (28°C) |
| Sunny Days | 308 days/yr |
Geography
| Elevation | 5 ft (2 m) |
| Area | 9.5 sq mi (24.6 km²) |
| Population Density | 1,413/sq mi |
| Coordinates | 30.1304°N, 85.5486°W |
| Timezone | America/New_York |
| County | Bay County County |
| Nearest Airport | Northwest Florida Beaches International (ECP)
22 miles away |
Precipitation & Snow
Wettest Month (Jul)
8.58"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 94.1 / 100 |
| Social Vulnerability | 30.9 / 100 |
| Community Resilience | 29.5 / 100 |
Hazard Breakdown
| Tornado |
Relatively High |
| Hurricane |
Very High |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Relatively Moderate |
| Hail |
Very Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively Low |
| Lightning |
Very High |
| Drought |
Very Low |
| Cold Wave |
Relatively Moderate |
| Landslide |
Very Low |
| Coastal Flood |
Relatively Moderate |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Hurricane History
17 hurricanes (Cat 1+) within 500 km since 1980.
Strongest: Category 5. Most recent: Helene (2024, Cat 4).
| Year |
Name |
Category |
Closest |
| 2024 |
Helene |
Category 4 |
179 km |
| 2024 |
Debby |
Category 1 |
196 km |
| 2023 |
Idalia |
Category 4 |
181 km |
| 2020 |
Sally |
Category 2 |
192 km |
| 2018 |
Michael |
Category 5 |
15 km |
| 2016 |
Hermine |
Category 1 |
130 km |
| 2005 |
Dennis |
Category 4 |
133 km |
| 2004 |
Ivan |
Category 4 |
225 km |
| 2000 |
Gordon |
Category 1 |
292 km |
| 1998 |
Georges |
Category 2 |
299 km |
| 1998 |
Earl |
Category 2 |
15 km |
| 1997 |
Danny |
Category 1 |
228 km |
| 1995 |
Opal |
Category 4 |
150 km |
| 1995 |
Erin |
Category 2 |
94 km |
| 1995 |
Allison |
Category 1 |
286 km |
| 1985 |
Elena |
Category 3 |
88 km |
| 1985 |
Kate |
Category 3 |
20 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
378 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 19 fatalities, 257 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jan 9, 2024 |
EF3 |
20 km |
0 |
| Mar 31, 2022 |
EF3 |
57 km |
2 |
| Dec 10, 1967 |
EF3 |
7 km |
1 |
| Dec 10, 1967 |
EF3 |
81 km |
0 |
| May 10, 2024 |
EF2 |
98 km |
0 |
| Jan 9, 2024 |
EF2 |
4 km |
0 |
| Jan 9, 2024 |
EF2 |
82 km |
1 |
| Jan 9, 2024 |
EF2 |
15 km |
0 |
| Jan 9, 2024 |
EF2 |
71 km |
0 |
| Apr 27, 2023 |
EF2 |
76 km |
0 |
| Jan 22, 2023 |
EF2 |
80 km |
0 |
| Mar 18, 2022 |
EF2 |
16 km |
0 |
| Apr 10, 2021 |
EF2 |
37 km |
0 |
| Apr 23, 2020 |
EF2 |
66 km |
0 |
| Nov 17, 2014 |
EF2 |
55 km |
0 |
| Sep 15, 2004 |
EF2 |
75 km |
0 |
| Sep 15, 2004 |
EF2 |
63 km |
4 |
| Mar 20, 2003 |
EF2 |
79 km |
0 |
| Mar 15, 2001 |
EF2 |
33 km |
0 |
| Mar 15, 2001 |
EF2 |
57 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: EAST FORK (26,251 ac, 2004).
| Year |
Name |
Acres |
Distance |
| 2004 |
EAST FORK |
26,251 |
94 km |
| 2021 |
BU 360 361 362 363 |
24,747 |
95 km |
| 1998 |
HOLIDAY |
24,666 |
95 km |
| 2013 |
UNNAMED |
24,574 |
95 km |
| 2022 |
BERTHA SWAMP RD |
23,036 |
21 km |
| 2008 |
UNNAMED |
18,704 |
94 km |
| 2005 |
UNNAMED |
11,539 |
72 km |
| 2009 |
UNNAMED |
11,445 |
66 km |
| 2021 |
BU 83/84/85 |
10,582 |
72 km |
| 2009 |
UNNAMED |
10,132 |
73 km |
| 2008 |
GUM BAY |
9,965 |
81 km |
| 2006 |
UNNAMED |
9,352 |
96 km |
| 2018 |
UNNAMED |
8,688 |
72 km |
| 2011 |
UNNAMED |
8,424 |
61 km |
| 2014 |
BURN UNIT 057 |
8,381 |
72 km |
| 2018 |
UNNAMED |
8,237 |
72 km |
| 2024 |
ANF BU 89 RX 0423 |
8,133 |
84 km |
| 2009 |
UNNAMED |
8,120 |
73 km |
| 2009 |
UNNAMED |
8,108 |
95 km |
| 2013 |
UNNAMED |
8,012 |
61 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
54°F (12°C) |
5.0 in |
Coldest |
| February |
55°F (13°C) |
4.8 in |
|
| March |
61°F (16°C) |
5.6 in |
|
| April |
66°F (19°C) |
3.4 in |
Driest |
| May |
73°F (23°C) |
3.9 in |
|
| June |
79°F (26°C) |
6.4 in |
|
| July |
83°F (28°C) |
8.6 in |
Warmest, Wettest |
| August |
81°F (27°C) |
8.2 in |
|
| September |
79°F (26°C) |
6.5 in |
|
| October |
70°F (21°C) |
3.7 in |
|
| November |
62°F (17°C) |
3.7 in |
|
| December |
55°F (13°C) |
4.4 in |
|
Callaway has a seasonal temperature swing of 29°F / from 54°F in January to 83°F in July. Total annual precipitation is 64.1 inches, with July being the wettest month (8.6") and April the driest (3.4").
Average costs for common services in Callaway. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$259 ($155–$414) |
| Specialist Visit |
$362 ($207–$569) |
| Urgent Care Visit |
$207 ($103–$362) |
| Emergency Room Visit |
$2,275 ($827–$5,170) |
| Dental Cleaning |
$134 ($78–$207) |
| Dental Filling |
$259 ($155–$414) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$47 ($26–$78) |
| Oil Change (Synthetic) |
$78 ($52–$124) |
| Brake Pad Replacement |
$310 ($155–$517) |
| Tire Rotation |
$41 ($21–$78) |
| New Tires (Set of 4) |
$620 ($414–$1,034) |
| Battery Replacement |
$207 ($103–$362) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$103 ($62–$155) |
| Electrician (Per Hour) |
$93 ($52–$145) |
| HVAC Repair |
$414 ($155–$827) |
| HVAC System Install |
$7,238 ($4,136–$12,408) |
| Roof Repair |
$1,034 ($414–$2,068) |
| Roof Replacement |
$9,306 ($5,687–$15,510) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,551 ($517–$3,619) |
| Divorce (Contested) |
$15,510 ($5,170–$31,020) |
| DUI Defense |
$5,170 ($2,068–$10,340) |
| Bankruptcy (Chapter 7) |
$1,551 ($827–$3,102) |
| Will Preparation |
$517 ($207–$1,034) |
| Trust Preparation |
$2,585 ($1,034–$5,170) |
View all 12 services
Personal Care
| Men's Haircut |
$26 ($16–$47) |
| Women's Haircut |
$57 ($31–$103) |
| Hair Coloring (Full) |
$155 ($78–$259) |
| Manicure |
$26 ($16–$47) |
| Pedicure |
$41 ($26–$67) |
| Massage (1 Hour) |
$83 ($52–$134) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.24 ($3.10–$5.69) |
| Dozen Eggs (per dozen) |
$3.62 ($2.59–$5.17) |
| Loaf of Bread |
$3.93 ($2.59–$5.69) |
| Chicken Breast (per lb) |
$4.65 ($3.10–$6.72) |
| Ground Beef (per lb) |
$5.69 ($4.14–$7.76) |
| Rice (per lb) |
$1.03 ($0.62–$1.86) |
View all 20 services
Utilities
| Electricity (Monthly) |
$145 ($83–$259) |
| Natural Gas (Monthly) |
$72 ($31–$155) |
| Water/Sewer (Monthly) |
$72 ($41–$124) |
| Internet (Monthly) |
$72 ($41–$103) |
| Cell Phone Plan (Monthly) |
$67 ($31–$103) |
| Cable TV (Monthly) |
$88 ($52–$155) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$207 ($78–$517) |
| Car Insurance (Annual) |
$2,068 ($1,241–$3,619) |
| Bus Pass (Monthly) |
$72 ($31–$134) |
| Taxi/Uber (5-Mile Ride) |
$16 ($8.27–$26) |
| Car Registration (Annual) |
$103 ($31–$259) |
| Driver's License Renewal |
$31 ($16–$78) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,241 ($620–$2,585) |
| Daycare (Toddler, Monthly) |
$1,034 ($517–$2,068) |
| After-School Care (Monthly) |
$414 ($207–$724) |
| Tutoring (Per Hour) |
$52 ($26–$103) |
| SAT/ACT Prep Course |
$1,034 ($414–$2,585) |
| Private School (K-12, Annual) |
$12,925 ($5,170–$31,020) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$62 ($31–$103) |
| Dog Vaccination (Annual) |
$103 ($52–$207) |
| Dog Grooming |
$62 ($31–$103) |
| Pet Boarding (Per Night) |
$41 ($21–$78) |
| Dog Spay/Neuter |
$310 ($155–$517) |
| Cat Spay/Neuter |
$207 ($103–$414) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $931 |
| Toddler | $779 |
| Preschool | $714 |
| Family Childcare (monthly) |
| Infant | $700 |
| Toddler | $650 |
| Preschool | $650 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Callaway
What is the population of Callaway?
Callaway has a population of 13,297 residents and is located in Florida. The population density is 1,413 people per square mile, spread across 9.5 square miles. The median age of residents is 37.1 years. The population is 47.9% female and 52.1% male.
Is Callaway expensive to live in?
Callaway has a cost of living roughly in line with the national average, with an index of 103.4 (baseline: 100). The median household income is $69,388, 8% below the national average of $75,149. The median home value is $215,300 (24% below the U.S. median). Renters pay a median of $1,319 per month, above the national average of $1,163. The home price-to-income ratio is 3.1x, indicating housing is reasonably affordable relative to local income levels.
Is Callaway safe?
Callaway is safer than the national average, with a violent crime rate of 311 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 3,198 per 100,000 (above the national average). Overall, Callaway receives a safety grade of F based on combined crime data.
What is the weather like in Callaway?
Callaway enjoys a temperate climate with an average annual temperature of 70°F (21°C). Winter temperatures average 54°F in January, while summers reach an average of 83°F in July. The area receives 308 sunny days per year, well above the national average of 205. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Callaway?
The job market in Callaway is very strong, with unemployment at just 2.5% / well below the national rate of 3.6%. The average weekly wage is $1,027. There are 6,848 business establishments in the area, including 563 restaurants and food service locations. The average commute time is 24 minutes, and 4.8% of workers work from home.
How much does housing cost in Callaway?
The median home value in Callaway is $215,300. Zillow estimates the typical home value at $257,676. For renters, the median monthly rent is $1,319. Fair market rent is $1,296 for a 1-bedroom and $1,526 for a 2-bedroom apartment. The homeownership rate is 59.6%. The average annual property tax is $5,234.
How are the schools in Callaway?
Schools in Callaway score 5.8 out of 10 on standardized testing, near the national average. 22.8% of adults in Callaway hold a bachelor's degree or higher, below the national average of 33.7%. 86.3% have completed high school. 4.5% hold a graduate or professional degree.
How healthy is Callaway?
The obesity rate in Callaway is 34.4% (above the national rate of 32.1%). 16.3% of adults are smokers. 26.8% are physically inactive. 21.3% of residents report depression. 15.1% lack health insurance (above the national rate). 69.4% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,739.
What is transportation like in Callaway?
The average commute in Callaway is 24 minutes, shorter than the national average of 28 minutes. 82.8% of workers drive alone to work, and 4.8% work from home.
What are the demographics of Callaway?
The racial and ethnic makeup of Callaway is 61.2% White, 18.9% Black or African American, 0.7% Hispanic or Latino. 85.9% of residents speak only English at home, while 14.1% speak Spanish. 19.1% of the population are military veterans. 17.3% of residents have a disability. 85.3% have health insurance coverage.
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