HOA Fees by Community in Bay County, FL
Association fees are the second-largest fixed cost of owning in a planned community after taxes and insurance, and they vary by a factor of fifty across Bay County. This league table ranks every Bay County community whose recent MLS listings carried an association fee, normalised to dollars per month (quarterly, semi-annual and annual fees converted), with a link to each community page for the full fee history, CDD status and homes for sale.
Across 173 Bay County communities with a reported association fee on recent MLS listings, the median HOA is $373 per month — $108/mo for single-family and townhome communities and $840/mo for condos. The lowest single-family HOA we track is Derby Woods at $12/mo; the highest is Margaritaville Cottages at $689/mo.
How Bay County HOA fees are distributed
| Monthly HOA band | Communities | Share |
|---|---|---|
| $1–$100/mo | 41 | 24% |
| $101–$250/mo | 31 | 18% |
| $251–$500/mo | 27 | 16% |
| $501–$1,000/mo | 46 | 27% |
| Over $1,000/mo | 28 | 16% |
Lowest HOA fees: single-family and townhome communities
Ranked by median monthly fee (lowest first); ties broken by how many listings reported the fee. Communities whose listings report a nominal fee under $10/month are left out of this table — those figures are usually an annual amount entered against the wrong frequency.
| Community | City | HOA (median, $/mo) | Listings sampled |
|---|---|---|---|
| Derby Woods | Lynn Haven | $12 | 6 |
| Kirkland Manor | Panama City | $15 | 3 |
| North Lagoon Heights | Panama City Beach | $17 | 3 |
| Tierra Verde | Panama City Beach | $20 | 28 |
| Santa Monica Beach | Panama City Beach | $20 | 3 |
| Harvey Heights | Panama City | $25 | 6 |
| Summer Breeze | Panama City Beach | $25 | 5 |
| Osprey Cove | Panama City | $28 | 3 |
| Lyndell Plantation | Panama City Beach | $30 | 3 |
| Parkbrook | Panama City | $31 | 31 |
| Burnt Mill Creek | Southport | $33 | 16 |
| The Landings | Lynn Haven | $33 | 4 |
| Laird Point | Panama City | $33 | 3 |
| Magnolia Ridge | Panama City | $38 | 14 |
| The Glades | Panama City Beach | $46 | 11 |
| Sunrise At East Bay | Panama City | $47 | 19 |
| College Station | Panama City | $50 | 31 |
| Country Club Harbour Estates | Lynn Haven | $52 | 6 |
| Emerald Cove Villas | Panama City Beach | $52 | 5 |
| Titus Park | Panama City | $54 | 39 |
| Brighton Oaks | Panama City | $54 | 3 |
| Olde Towne Village | Panama City | $55 | 6 |
| Barrett'S Park | Panama City | $58 | 7 |
| Summerwood | Panama City Beach | $59 | 4 |
| Breakfast Point East | Panama City Beach | $60 | 54 |
Highest HOA fees: single-family and townhome communities
Gated, golf, amenity-heavy and master-planned communities dominate — the fee usually bundles a club, lawn care or a bundled golf membership.
| Community | City | HOA (median, $/mo) | Listings sampled |
|---|---|---|---|
| Margaritaville Cottages | Panama City Beach | $689 | 15 |
| Carillon Beach | Panama City Beach | $478 | 9 |
| Annabella'S Townhomes | Panama City Beach | $420 | 3 |
| Hathaway Townhomes | Panama City Beach | $399 | 6 |
| Gulf Highlands Beach Resort | Panama City Beach | $374 | 49 |
| Long Beach | Panama City Beach | $360 | 3 |
| Sugar Sand | Mexico Beach | $350 | 7 |
| Latitude At Watersound | Panama City Beach | $341 | 78 |
| Venture Out Travel Trail | Panama City Beach | $321 | 22 |
| Venture Out | Panama City Beach | $321 | 5 |
| Tapestry Park | Panama City Beach | $305 | 15 |
| Greenwood Acres | Panama City Beach | $296 | 4 |
| Rivercamps On Crooked Creek | Panama City Beach | $277 | 12 |
| Turtle Cove At Lake Powell | Panama City Beach | $273 | 6 |
| Lagoon Estates | Panama City | $267 | 3 |
| Whisper Dunes | Panama City Beach | $262 | 9 |
| Wild Heron | Panama City Beach | $250 | 6 |
| Grand Lagoon Pointe | Panama City Beach | $250 | 3 |
| La Valencia Beach Resort | Panama City Beach | $242 | 3 |
| Emerald Pointe Resort | Panama City Beach | $227 | 13 |
Lowest condo association fees
| Community | City | HOA (median, $/mo) | Listings sampled |
|---|---|---|---|
| Thomas Drive Park U | Panama City Beach | $265 | 3 |
| Bay Point Harbour Villas | Panama City Beach | $345 | 7 |
| Wendwood Condo | Panama City Beach | $356 | 4 |
| Oceanna Condo | Panama City | $373 | 3 |
| Ocean Terrace Condo | Panama City | $420 | 4 |
| Sun Harbor Condo | Panama City | $425 | 5 |
| Plazas Of St.Thomas | Panama City Beach | $430 | 5 |
| Endless Summer | Panama City Beach | $458 | 15 |
| Bay Point Studio Villas | Panama City Beach | $467 | 10 |
| Greenwood Estates | Panama City Beach | $479 | 4 |
| Sunswept | Panama City | $479 | 4 |
| Landmark On St. Andrews Bay | Panama City | $497 | 5 |
| Nautilus Cove Condo | Panama City Beach | $503 | 13 |
| Beachwalk Condo | Panama City Beach | $518 | 4 |
| Top Of The Gulf Condo | Panama City Beach | $525 | 8 |
Highest condo association fees
Condo fees fund the building itself — insurance, reserves, elevators, waterfront upkeep — so the top of this list is oceanfront and high-rise.
| Community | City | HOA (median, $/mo) | Listings sampled |
|---|---|---|---|
| Continental Condos | Panama City Beach | $1,786 | 4 |
| Edgewater Tower | Panama City Beach | $1,618 | 43 |
| Hidden Dunes Condo | Panama City Beach | $1,521 | 3 |
| Leeward/Windward Condo | Panama City Beach | $1,510 | 6 |
| Princess Condo | Panama City Beach | $1,441 | 3 |
| Harbour Village At Historic St Andrews | Panama City | $1,428 | 6 |
| Grande Surf Club Condo | Panama City | $1,420 | 5 |
| Long Beach Towers | Panama City Beach | $1,394 | 10 |
| Bay Point Grand Residences | Panama City Beach | $1,250 | 5 |
| Summerhouse Of P.C. | Panama City | $1,234 | 8 |
| Sunrise Beach | Panama City Beach | $1,226 | 15 |
| Summerhouse Condo | Panama City | $1,215 | 7 |
| River Oaks Tennis Villas | Panama City Beach | $1,209 | 3 |
| Edgewater Golf Villas | Panama City Beach | $1,200 | 21 |
| Sterling Beach Condo | Panama City Beach | $1,192 | 3 |
How to read this
Figures are the median AssociationFee across a community’s recent MLS listings (n shown), normalised to a monthly amount from the listed frequency; communities need at least three listings with a known frequency to appear. Fees change with every budget cycle, special assessments are not included, and master-association or club dues may be reported separately by the listing agent. Source: MLS listing records compiled by Momentum Research, October 2026. See also low-HOA and no-HOA communities in Bay County. Back to homes for sale in Bay County, FL.