Florida · Metropolitan Area
Panama City Beach is a small city in Florida with a population of 18,493. Residents earn $78,921 per year, which is 5% above the national average.
Based on current data, Panama City Beach receives an overall livability score of 3.3 out of 5.0, earning a grade of B. Key strengths include low unemployment, a low poverty rate. Areas to be aware of include elevated crime rates, high housing costs. Panama City Beach offers a solid quality of life with a good balance of affordability, safety, and opportunity.
The median household income in Panama City Beach is $78,921, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 1.6%. Only 5.3% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 24 minutes.
The median home value in Panama City Beach is $417,800, 48% above the national median. Renters pay a median of $1,737 per month, significantly above the national average of $1,163. The price-to-income ratio of 5.3x means housing costs are stretched relative to local earnings.
With 1,009 violent crimes per 100,000 residents, public safety is a notable concern — this is significantly above the national average of 380. Property crime occurs at a rate of 9,043 per 100,000, 361% above the national average.
Educational attainment is solid, with 36.8% holding a bachelor's degree or higher, near the national average. 94.5% have completed high school. Area schools have an average test score of 5.6/10.
Panama City Beach enjoys a moderate climate with an average annual temperature of 68°F. Winters average 53°F in January while summers reach 82°F in July. Annual precipitation totals 59.5 inches. Air quality is rated Good with a median AQI of 41.
| English Only | 88.1% |
| 12% above US avg | |
| Spanish | 11.9% |
| 11% below US avg |
| Median HH Income | $78,921 |
| 5% above US avg | |
| Per Capita Income | $50,766 |
| Avg Weekly Wage | $1,027 |
| IRS Avg AGI | $74,882 |
| Unemployment | 1.6% |
| 56% below US avg | |
| Poverty Rate | 5.3% |
| 57% below US avg | |
| Establishments (County) | 6,848 |
| County GDP | $13,467M |
| Restaurants | 563 |
| Healthcare | 574 |
| Retail | 812 |
| Manufacturing | 108 |
| Property Tax (IRS) | $5,234 |
| 50% above US avg | |
| Effective Tax Rate | 1.25% |
| Commute Time | 23.8 min |
| Work from Home | 10.7% |
| Census Median | $417,800 |
| 48% above US avg | |
| Zillow ZHVI | $407,798 |
| Median List Price | $457,042 |
| Median List Price | $457,042 |
| $/Sq Ft | $326 |
| Homes Sold | 85 |
| Sale-to-List Ratio | 94.3% |
| Price Drops | 18.7% |
| Inventory | 921 |
| Census Median Rent | $1,737 |
| 49% above US avg | |
| Zillow Rent (ZORI) | $1,631 |
| Studio | $1,212 |
| 1 Bedroom | $1,296 |
| 2 Bedrooms | $1,526 |
| 3 Bedrooms | $1,971 |
| 4 Bedrooms | $2,261 |
| Owner-Occupied | 62.1% |
| Avg Tax (IRS) | $5,234 |
| 50% above US avg | |
| Effective Rate | 1.25% |
| Obesity | 31.4% |
| 2% below US avg | |
| Diabetes | 9.0% |
| Heart Disease | 5.5% |
| High Blood Pressure | 31.6% |
| Asthma | 9.8% |
| COPD | 6.0% |
| Stroke | 2.8% |
| Binge Drinking | 18.9% |
| Physical Inactivity | 21.5% |
| Depression | 21.6% |
| Mental Distress | 18.2% |
| Physical Distress | 12.8% |
| Insurance Rate | 84.9% |
| Checkup Rate | 74.0% |
| Premature Death | 11,538/100K |
| Food Environment | 7.4/10 |
| Exercise Access | 69.4% |
| Healthcare Facilities | 574 |
| Total Violent | 1,009.4/100K |
| 166% above US avg | |
| Murder | 16.4/100K |
| 160% above US avg | |
| Rape | 164.1/100K |
| Robbery | 303.6/100K |
| Assault | 525.2/100K |
| Total Property | 9,043.2/100K |
| 361% above US avg | |
| Burglary | 1,304.8/100K |
| Theft | 7,639.9/100K |
| Vehicle Theft | 98.5/100K |
| Arson | 8.2/100K |
| Fatal Crashes (County/yr) | 46 |
| FEMA Disasters | 182 |
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
| Annual Average | 68.3°F |
| 26% above US avg | |
| January Average | 53°F (11°C) |
| July Average | 82°F (28°C) |
| Annual Rainfall | 59.5 inches |
| 57% above US avg |
| AQI Median | 41.0 |
| Rating | Good |
| Elevation | 25 ft (8 m) |
| Area | 19.3 sq mi (50.0 km²) |
| Population Density | 958/sq mi |
| Coordinates | 30.2332°N, 85.8771°W |
| County FIPS | 12005 |
Winner: Republican by 47.4 points
| Bachelor's Degree+ | 36.8% |
| 9% above US avg | |
| High School+ | 94.5% |
| School Test Score | 5.60 |
| RUCC Code 3 | Metro — under 250K |
| Population Density | 958/sq mi |
| Total Area | 19.3 sq mi |
| EV Charging Stations | 13 |
| Alt Fuel Stations | 13 |
| Public Libraries | 4 |
| Healthcare Facilities | 574 |
| Restaurants | 563 |
| Retail Stores | 812 |
| Fatal Crashes (County/yr) | 46 |
| FEMA Disaster Declarations | 182 |
| Avg Commute | 23.8 min |
| Work from Home | 10.7% |