Buying or selling? Call (904) 351-6461

Homes for Sale in Bay County, FL

By , Co-Founder, Momentum Realty · Updated November 5, 2026

Buying in Bay County? Get matched with a local agent →Selling? Get your Bay County home value →or call (904) 351-6461

953 homes are for sale in Bay County, FL as of 2026-11-05, with 422 more under contract. The median list price is $365,000, most homes list between $215K to $689K, and the median listing has been on the market 95 days. That is 1 houses, 890 condos and 2 townhouses. 190 homes came on the market this week and 3,682 sold in the last 12 months at a median of $372,176.

Bay County, FL key facts
LocationFlorida
For sale right now953 active, 422 under contract
Asking prices$365,000, median · most homes $215K–$689K
Median days on market (active listings)95
Property types for sale1 houses, 890 condos, 2 townhouses
New listings this week190
Homes sold, last 12 months3,682 at a median of $372,176

Listing counts and prices as of 2026-11-05; MLS data, refreshed nightly; sold figures are trailing 12 months of closed sales. Market figures describe homes, not residents. Cite as: Momentum Realty, “Bay County, FL key facts,” movewithmomentum.com/homes-for-sale/bay-county-fl/, data as of 2026-11-05.

953
Homes for sale
$365,000
Median list price
$215K to $689K
Typical range
95
Median days on market
190
New this week
422
Under contract
$2,473
Est. monthly cost at median
3.1
Months of supply

Newest homes for sale in Bay County

The most recently listed homes in Bay County, newest first, with photos. Each card opens the full listing with every photo, the community’s sales history and a tour request. Homes marked New listed in the last seven days.

10713 Front Beach Road 1702, Panama City Beach, FL 32407, home for sale in Bay County
$1.58M New
4 bd · 4 ba · built 2005
10713 Front Beach Road 1702, Panama City Beach, FL 32407, 32407
Grandview East At Long Beach
Listing courtesy of Anchor Realty Florida
7115 Thomas Drive 1803, Panama City, FL 32408, home for sale in Bay County
$1.35M New
3 bd · 3 ba · built 2001
7115 Thomas Drive 1803, Panama City, FL 32408, 32408
Hidden Dunes Condo
Listing courtesy of Think Real Estate
10611 Front Beach Road 1303, Panama City Beach, FL 32407, home for sale in Bay County
$999,900 New
4 bd · 4 ba · built 2006
10611 Front Beach Road 1303, Panama City Beach, FL 32407, 32407
Ocean Ritz
Listing courtesy of Scenic Sotheby's International Realty
15817 Front Beach Road 2-1701, home for sale in Bay County
$899,500 New
2 bd · 2 ba · built 2006
15817 Front Beach Road 2-1701, 32413
Calypso Towers
Listing courtesy of Beach Time Realty, Inc
10719 Front Beach Road 205, Panama City Beach, FL 32407, home for sale in Bay County
$899,000 New
4 bd · 3 ba · built 2004
10719 Front Beach Road 205, Panama City Beach, FL 32407, 32407
Marisol Condo
Listing courtesy of Counts Real Estate Group Inc
5801 Thomas Drive 901, home for sale in Bay County
$725,000 New
3 bd · 2 ba · built 1982
5801 Thomas Drive 901, 32408
Regency Towers
Listing courtesy of Scenic Sotheby's International Realty
6609 Thomas Drive 502, Panama City Beach, FL 32408, home for sale in Bay County
$719,900 New
2 bd · 2 ba · built 1999
6609 Thomas Drive 502, Panama City Beach, FL 32408, 32408
Coral Reef Condo
Listing courtesy of Emerald Sands Real Estate
17643 Front Beach Road 1701, Panama City Beach, FL 32413, home for sale in Bay County
$650,000 New
2 bd · 2 ba · built 2009
17643 Front Beach Road 1701, Panama City Beach, FL 32413, 32413
Tropic Winds
Listing courtesy of Beycome of Florida LLC
2120 Wild Heron Way 201, home for sale in Bay County
$649,000 New
3 bd · 2 ba · built 2006
2120 Wild Heron Way 201, 32413
Wild Heron
Listing courtesy of Watersound Real Estate
8727 Thomas Drive A7, home for sale in Bay County
$640,000 New
4 bd · 3 ba · built 1974
8727 Thomas Drive A7, 32408
Sugar Beach Condo
Listing courtesy of Beachy Beach Real Estate
15928 Front Beach Road 3-907, home for sale in Bay County
$625,000 New
3 bd · 2 ba · built 2020
15928 Front Beach Road 3-907, 32413
Calypso Towers
Listing courtesy of Better Homes and Gardens Coast Properties
4050 Marriott Drive 3305, home for sale in Bay County
$615,000 New
3 bd · 3 ba · built 2007
4050 Marriott Drive 3305, 32408
Bay Point Grand Residences
Listing courtesy of Scenic Sotheby's International Realty
7205 Thomas Drive A105, Panama City Beach, FL 32408, home for sale in Bay County
$595,000 New
2 bd · 2 ba · built 1974
7205 Thomas Drive A105, Panama City Beach, FL 32408, 32408
Dunes Of Panama
Listing courtesy of Bright Realty Solutions
4425 Thomas Drive 309T, Panama City Beach, FL 32408, home for sale in Bay County
$595,000 New
2 bd · 3 ba · built 1981
4425 Thomas Drive 309T, Panama City Beach, FL 32408, 32408
Moonspinner Apartments
Listing courtesy of Counts Real Estate Group Inc
4050 Marriott Drive 3803, home for sale in Bay County
$575,000 New
2 bd · 2 ba · built 2007
4050 Marriott Drive 3803, 32408
Bay Point Grand Residences
Listing courtesy of Counts Real Estate Group Inc
15928 Front Beach Road 32006, home for sale in Bay County
$575,000 New
3 bd · 2 ba · built 2020
15928 Front Beach Road 32006, 32413
Calypso Towers
Listing courtesy of Scenic Sotheby's International Realty
11619 Front Beach Road 708, home for sale in Bay County
$575,000 New
2 bd · 2 ba · built 1985
11619 Front Beach Road 708, 32407
Edgewater Tower
Listing courtesy of Foundation Real Estate Agency LLC
17757 Front Beach Road 2302B, Panama City Beach, FL 32413, home for sale in Bay County
$549,000 New
2 bd · 2 ba · built 2004
17757 Front Beach Road 2302B, Panama City Beach, FL 32413, 32413
Celadon Beach
Listing courtesy of REMAX By The Sea
11483 Front Beach Road 710, home for sale in Bay County
$549,000 New
2 bd · 2 ba · built 1985
11483 Front Beach Road 710, 32407
Edgewater Beach
Listing courtesy of Counts Real Estate Group Inc
16819 Front Beach Road 1200, home for sale in Bay County
$539,900 New
2 bd · 2 ba · built 2007
16819 Front Beach Road 1200, 32413
Tidewater Beach
Listing courtesy of Emerald Seascapes Properties LLC
14825 Front Beach Road 2204, home for sale in Bay County
$524,900 New
2 bd · 2 ba · built 2005
14825 Front Beach Road 2204, 32413
Sunrise Beach
Listing courtesy of CENTURY 21 AllPoints Realty
14825 Front Beach Road 1904, home for sale in Bay County
$499,999 New
2 bd · 2 ba · built 2005
14825 Front Beach Road 1904, 32413
Sunrise Beach
Listing courtesy of Dalton Wade Inc
11347 Front Beach Road 104, home for sale in Bay County
$495,000 New
1 bd · 2 ba · built 1990
11347 Front Beach Road 104, 32407
Edgewater Beach
Listing courtesy of Coastal Vibes Luxury Realty
9900 S Thomas Drive 804, Panama City, FL 32408, home for sale in Bay County
$474,900 New
2 bd · 3 ba · built 2007
9900 S Thomas Drive 804, Panama City, FL 32408, 32408
Shores Of Panama
Listing courtesy of Coastal Palms Real Estate

Bay County homes for sale by price

Every active listing in Bay County grouped by price, with the newest listings in each band. The median is $365,000; the busiest band is $200K – $300K.

Under $200K: 77 homes

$200K – $300K: 239 homes

$300K – $400K: 239 homes

$400K – $500K: 135 homes

$500K – $750K: 193 homes

$750K – $1M: 51 homes

$1M and up: 19 homes

Every home for sale in Bay County right now (953)

All 953 active Bay County listings with a detail page, newest first, refreshed twice a day from the MLS.

Showing the newest 400 of 953; the price bands above, the ZIP pages and the map cover the rest.

Pending and under contract in Bay County (422)

Bay County homes that have an accepted offer and are working toward closing. They can still fall through, so each one keeps its page until it closes.

Showing the newest 400 of 422.

Browse every listing on Momentum Realty.

Homes for sale in Bay County by ZIP code

Where the inventory is: active listings and the median asking price by ZIP. ZIPs link to their housing scorecard.

ZIPHomes for saleMedian list price
32408403$349,000
32413307$405,000
32407188$425,000
3240122$284,500
3240910$294,900
324569$499,999
324046$172,500
324384$175,000
324052$149,450
324662$192,400

Bay County communities with the most homes for sale

The Bay County neighborhoods and subdivisions with active listings, the median asking price in each, and what homes there actually sold for over the last 12 months. Community names open the community guide with live inventory, sales history, HOA and schools.

CommunityFor saleMedian listMedian sold (12 mo)Days on market
Laketown Wharf Panama City Beach82$334,950——
Latitude At Watersound Panama City Beach63$590,000——
Shores Of Panama Panama City Beach59$355,000——
Liberty Panama City47$314,900——
Gulf Highlands Beach Resort Panama City Beach41$299,900——
Calypso Towers Panama City Beach40$634,000——
Edgewater Tower Panama City Beach39$575,000——
Origin At Seahaven Panama City Beach30$287,250——
Hodges Bayou Plantation Panama City29$364,900——
Parkbrook Panama City28$310,991——
Breakfast Point East Panama City Beach27$588,738——
Bay Point Panama City Beach26$825,000——
Holiday Beach Panama City Beach24$558,950——
Titus Park Panama City24$349,950——
Sweetbay Panama City23$499,000——
College Station Panama City22$390,048——
Lynn Haven Lynn Haven22$352,500——
Tidewater Beach Panama City Beach22$467,500——
Boardwalk Central Panama City Beach21$474,900——
Sunbird Condo Panama City Beach21$310,000——
Venture Out Travel Trail Panama City Beach20$419,000——
Laguna Beach Panama City Beach18$724,500——
Pinnacle Port Panama City Beach17$369,000——
Colonial Landing Panama City Beach17$369,000——
Edgewater Golf Villas Panama City Beach16$279,450——
Breakfast Point Panama City Beach16$569,400——
Island Reserve Panama City Beach16$282,450——
Sunrise At East Bay Panama City16$282,925——
Grand Panama Beach Resort Panama City Beach15$569,000——
Nautilus Cove Condo Panama City Beach15$230,000——

What is for sale in Bay County: property types

Another 1427 listings in Bay County are land, commercial or other non-residential property and are not counted above.

Browse by type: Condos for sale in Bay County (890) · Manufactured and Mobile Homes for sale in Bay County (60).

The Bay County real estate market right now

Over the last 12 months 3,682 homes sold in Bay County at a median of $372,176 (-1.5% year over year). Sellers received 95% of list price and homes took a median 71 days to go under contract. With 953 homes for sale against that sales pace, months of supply is 3.1, a seller’s market by the six-month rule. New construction was 31% of sales.

Bay County supply by price band

Price bandActiveSold, 12 moMonths of supplyDOM
Under $300K6540None80
$300K–$500K7650None73
$500K–$750K48118None80
$750K+970None75

Bay County home prices by year

Median sold price, closed sales, days on market and sale-to-list ratio by year, from Momentum’s MLS record.

YearMedian sold priceHomes soldDays on marketSale-to-list
2020$271,5454,4764696%
2021$324,2776,5263098%
2022$395,1985,7572098%
2023$465,0541,7084995%
2024$404,1823,4275195%
2025$394,6183,4606994%
2026$407,0153,6827194%

What a home in Bay County costs to own

Take the median $365,000 listing with 20% down at today’s 7.24% 30-year rate: principal and interest run about $1,990/month. Bay County’s typical millage of 12.28 puts property tax near $3,867/year after the $50,000 homestead exemption — and that is the reset bill a buyer pays, not the seller’s capped one. Citizens’ average premium in Bay County is about $1,928/year; newer roofs and inland addresses usually quote below it. All in, plan on roughly $2,473/month plus any HOA or CDD assessment.

Explore Bay County

Homes for sale by city in Bay County

Bay County guides & data

Everything we publish about Bay County: live listings by type, prices and market data, taxes, insurance and what it costs to live here.

Bay County data pages

Common questions

How many homes are for sale in Bay County, FL?
As of 2026-11-05, Momentum's MLS record shows 953 residential homes actively listed for sale in Bay County and 422 under contract. 190 of them came on the market in the last 7 days.
What is the median home price in Bay County?
The median list price of homes for sale in Bay County is $365,000. Ten percent of listings are under $215K and ten percent are above $689K. Over the last 12 months the median SOLD price was $372,176, -1.5% year over year.
How long do homes take to sell in Bay County?
Homes currently listed have been on the market a median of 95 days. Homes that sold in the last 12 months took a median of 71 days and sold at 95% of list price. At today's inventory that is 3.1 months of supply, a seller's market by the usual six-month rule.
What does a $365,000 home in Bay County cost per month?
Roughly $2,473 a month with 20% down at 7.24%: principal and interest of $1,990, Bay County property tax of about $322/month after the $50,000 homestead exemption, and insurance near $161/month at the Citizens county average. HOA or CDD fees, where they apply, come on top.
Which Bay County neighborhoods have the most homes for sale?
The communities with the most active listings right now are Laketown Wharf (82), Latitude At Watersound (63), Shores Of Panama (59), Liberty (47), Gulf Highlands Beach Resort (41). Each community page carries its own sales history, live inventory and schools.
How do I see a home for sale in Bay County?
Every listing on this page opens a full page with all photos, the community's data and a tour request. A Momentum agent who works Bay County can show any home here, whether it is our listing or another brokerage's, at no cost to a buyer. Call (904) 351-6461 or use the form below.
Using these figures? Link to this page as the source so readers can see the live numbers; they refresh from Momentum Realty’s MLS and county data (as of 2026-11-05). Suggested attribution:
<a href="https://movewithmomentum.com/homes-for-sale/bay-county-fl">Homes for Sale in Bay County, FL: Live MLS Listings — Momentum Realty</a>
Press and data requests: jon@movewithmomentum.com · Florida Housing Intelligence

Listings, counts and prices are from Momentum Realty’s MLS record of active residential listings in Bay County as of 2026-11-05 and refresh as homes list and sell. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. The data relating to real estate for sale on this page comes in part from the Internet Data Exchange (IDX) program of the MLS(s) named above; listings held by brokerages other than Momentum Realty are marked with the listing brokerage’s name. Information is deemed reliable but not guaranteed. Estimates are not guarantees. Equal Housing Opportunity.

Free monthly report

Get the Panama City Market Pulse every month

One email when the new edition is out: median price and the same-home change, days on market, months of supply, price cuts and what failed to sell, computed from MLS closed records. See the current edition. Unsubscribe any time.

By subscribing, you agree that EAB RE INVESTMENTS LLC (Momentum Realty) and its agents may email you about the report and the local market. You do not need to consent as a condition of buying any property, goods, or services. See our Privacy Policy.

Buying in Bay County?

See any home on this page with a local agent.

A Momentum agent who works Bay County every week will set up showings, pull the comps before you offer, and tell you which of these homes is actually priced right. No cost to a buyer.

Selling instead? See what your home would list for.

Tour homes in Bay County

Tell us what you are looking for and a local agent will reach out, usually within one business day.

or call (904) 351-6461