D.R. Horton Communities in Bay County, FL

Looking for D.R. Horton communities in Bay County, FL? Bay County shows 11 D.R. Horton communities in our MLS data, with 0 recorded new-construction closings since 2024 at a median of $349,400. Below: each community with its own market data, and the checklist that protects you in any builder purchase.

D.R. Horton in Bay County at a glance

Communities tracked

Recorded closings (2024+)

236

Homes active now

$349,400

Median recorded price

Where D.R. Horton builds in Bay County

Before you sign a builder contract in Bay County

Builder contracts are written by the builder’s attorneys and differ from the standard Florida resale contract on deposits, timelines, and remedies — read before you sign, and bring your own agent (the builder typically pays the commission, so representation costs you nothing). Compare incentives properly: a rate buydown and an equal-dollar price cut produce different payments — run both through our builder incentive calculator. Then model the year-two tax bill with the property tax after purchase calculator (new construction often shows a lot-only bill in year one), ask for any CDD assessment and its remaining term in writing, and hire your own inspector for the pre-drywall and final walks.

What it costs to own here

At Bay County’s typical combined millage of 12.28 mills, a purchase at $349,400 (the median recorded D.R. Horton price here) generates roughly $4,289 a year in property tax before exemptions — about $357 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in Bay County average about $1,928 a year ($161 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in Bay County near $2,053 (principal and interest on the typical home, tax, and insurance).

Run your exact numbers: the property tax after purchase calculator uses Bay County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.

Demand and supply in Bay County right now

In the most recent IRS migration data (2022-2023), Bay County gained a net 4,173 people to relocation, with the largest inbound flows from GA, AL, TX. Households moving IN reported average incomes of $74,894 versus $61,073 for those leaving — the income mix of demand, straight from tax filings. Population is up about -0.6% over the recent multi-year window. On the supply side, builders pulled 2,072 residential permits in Bay County in 2025 (1,685 single-family), down 16.2% year over year — against 2,610 at the 2021 peak. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as overvalued by about 0.2% versus its income-and-rent fundamentals.

Run the numbers in Bay County

Compare against every builder: home builders in Bay County, ranked by recorded closings.

Common questions

Where does D.R. Horton build in Bay County, FL?

Our MLS data shows D.R. Horton active in 11 Bay County communities - see the table above for each community's prices and market pace.

What do D.R. Horton homes cost in Bay County?

Recorded D.R. Horton closings in Bay County have a median around $349,400. Individual communities and floor plans vary widely.

Should I use my own agent to buy a D.R. Horton home?

The on-site sales agent represents the builder. Your own agent typically costs you nothing on a new build and negotiates incentives and contract terms on your side. Momentum matches you with an agent experienced in these communities at no cost.

How much is home insurance in Bay County?

Citizens Property Insurance policies in Bay County average about $1,928 a year, per Citizens filings. Private quotes vary widely with roof age, construction and wind mitigation - a wind-mitigation inspection often unlocks meaningful credits.

What are property taxes like in Bay County?

Typical combined millage in Bay County is about 12.28 mills - roughly 1.23% of assessed value a year before exemptions. Florida resets assessed value to about your purchase price when you buy, then homestead exemptions and the 3% Save Our Homes cap apply.

Momentum Realty is an independent licensed Florida brokerage and is not affiliated with, sponsored by, or endorsed by any home builder named on this page. Builder names are used only to identify the communities in which each builds, based on builder-affiliated sales offices in contributing MLS feeds; builders selling outside the MLS may be undercounted. Figures are aggregates as of 2026-06-16, deemed reliable but not guaranteed. Equal Housing Opportunity.