Homes for Sale in Bay County, FL
1,123 homes are for sale in Bay County, FL as of 2026-09-06, with 577 more under contract. The median list price is $365,990, most homes list between $219K to $695K, and the median listing has been on the market 87 days. 189 homes came on the market this week.
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.
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 $365,990; the busiest band is $200K – $300K.
Under $200K: 84 homes
- $120,000 · 3 bd / 2 ba · 744 Sheffield Avenue, Panama City, FL 32401 (North Springfield)
- $147,000 · 1 ba · 4114 Holiday Drive 18, Panama City, FL 32408 (Sand Castles Villa)
- $149,900 · 1 ba · 14401 Front Beach Road 313, Panama City Beach, FL 32413 (Fontainebleau Terrace)
- $159,000 · 1 bd / 1 ba · 8730 Thomas Drive 1301C, Panama City Beach, FL 32408 (Plazas Of St.Thomas)
$200K – $300K: 292 homes
- $220,000 · 3 bd / 2 ba · 115 N Larry Drive, Panama City, FL 32404 (Parkway Manor)
- $225,000 · 1 bd / 1 ba · 4725 Bay Point Road 154, Panama City, FL 32408 (Bay Point Studio Villas)
- $225,000 · 1 bd / 2 ba · 520 N Richard Jackson Boulevard 2012, Panama City Beach, FL 32407 (Edgewater Golf Villas)
- $229,000 · 2 bd / 1 ba · 17614 Front Beach Road A19, Panama City Beach, FL 32413 (Endless Summer)
$300K – $400K: 273 homes
- $309,900 · 2 bd / 2 ba · 213 Squid Lane, Panama City Beach, FL 32408 (Venture Out)
- $315,000 · 1 bd / 1 ba · 9850 S Thomas Drive 109W, Panama City Beach, FL 32408 (Sunbird Condo)
- $319,900 · 3 bd / 2 ba · 3007 Longwood Circle, Panama City, FL 32405
- $325,000 · 1 bd / 2 ba · 17462 Front Beach Road 54301, Panama City Beach, FL 32413 (Horizon South Xvii)
$400K – $500K: 172 homes
- $410,000 · 1 bd / 2 ba · 14825 Front Beach Road 2407, Panama City Beach, FL 32413 (Sunrise Beach)
- $414,900 · 1 bd / 2 ba · 16819 Front Beach Road 2116, Panama City Beach, FL 32413 (Tidewater Beach)
- $415,000 · 2 bd / 2 ba · 6505 Thomas Drive 1008, Panama City, FL 32408 (Summerhouse Of P.C.)
- $425,000 · 2 bd / 2 ba · 8815 Thomas Drive 704, Panama City Beach, FL 32408 (Moondrifter)
$500K – $750K: 225 homes
- $505,000 · 3 bd / 2 ba · 5801 Thomas Drive 1323, Panama City Beach, FL 32408 (Regency Towers)
- $516,000 · 2 bd / 2 ba · 5801 Thomas Drive 1216, Panama City Beach, FL 32408 (Regency Towers)
- $524,900 · 2 bd / 2 ba · 14825 Front Beach Road 2204, Panama City Beach, FL 32413 (Sunrise Beach)
- $524,995 · 3 bd / 2 ba · 5801 Thomas Drive 204, Panama City Beach, FL 32408 (Thomas Drive Park U-1)
$750K – $1M: 57 homes
- $775,000 · 3 bd / 3 ba · 11347 Front Beach Road 1103, Panama City Beach, FL 32407 (Edgewater Beach)
- $869,000 · 3 bd / 2 ba · 5004 Thomas Drive 1712, Panama City Beach, FL 32408 (Treasure Island Resort)
- $899,000 · 4 bd / 4 ba · 10611 Front Beach Road 1503, Panama City Beach, FL 32407 (Ocean Ritz)
- $975,000 · 3 bd / 3 ba · 8601 Surf Drive 14E, Panama City Beach, FL 32408 (Grande Surf Club Condo)
$1M and up: 20 homes
- $1.20M · 3 bd / 3 ba · 15625 Front Beach Road 1603, Panama City Beach, FL 32413 (Aqua)
- $1.35M · 3 bd / 3 ba · 7115 Thomas Drive 1803, Panama City, FL 32408 (Hidden Dunes Condo)
- $1.15M · 3 bd / 3 ba · 15625 Front Beach Road 1002, Panama City Beach, FL 32413 (Aqua)
- $1.25M · 3 bd / 3 ba · 6627 Thomas Drive 1401, Panama City, FL 32408 (Sterling Beach Condo)
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.
| ZIP | Homes for sale | Median list price |
|---|---|---|
| 32408 | 454 | $345,000 |
| 32413 | 350 | $407,450 |
| 32407 | 209 | $421,000 |
| 32401 | 24 | $237,950 |
| 32409 | 12 | $312,000 |
| 32456 | 11 | $529,000 |
| 32404 | 6 | $146,950 |
| 32438 | 5 | $125,000 |
| 32405 | 2 | $247,000 |
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.
| Community | For sale | Median list | Median sold (12 mo) | Days on market |
|---|---|---|---|---|
| Laketown Wharf Panama City Beach | 79 | $335,000 | — | — |
| Shores Of Panama Panama City Beach | 64 | $362,950 | — | — |
| Latitude At Watersound Panama City Beach | 52 | $504,995 | — | — |
| Gulf Highlands Beach Resort Panama City Beach | 48 | $313,500 | — | — |
| Edgewater Tower Panama City Beach | 45 | $560,000 | — | — |
| Calypso Towers Panama City Beach | 39 | $638,000 | — | — |
| Liberty Panama City | 36 | $292,950 | — | — |
| Origin At Seahaven Panama City Beach | 36 | $294,500 | — | — |
| Titus Park Panama City | 33 | $359,900 | — | — |
| Parkbrook Panama City | 31 | $343,400 | — | — |
| Hodges Bayou Plantation Panama City | 28 | $374,900 | — | — |
| Sunbird Condo Panama City Beach | 28 | $313,450 | — | — |
| Breakfast Point East Panama City Beach | 27 | $552,169 | — | — |
| Holiday Beach Panama City Beach | 26 | $530,000 | — | — |
| Tidewater Beach Panama City Beach | 26 | $469,750 | — | — |
| Lynn Haven Lynn Haven | 25 | $373,000 | — | — |
| Bay Point Panama City Beach | 24 | $799,450 | — | — |
| Sweetbay Panama City | 23 | $545,000 | — | — |
| Grand Panama Beach Resort Panama City Beach | 22 | $564,000 | — | — |
| Laguna Beach Panama City Beach | 22 | $1.21M | — | — |
| Venture Out Travel Trail Panama City Beach | 22 | $389,400 | — | — |
| Edgewater Golf Villas Panama City Beach | 21 | $279,900 | — | — |
| Island Reserve Panama City Beach | 21 | $277,000 | — | — |
| Boardwalk Central Panama City Beach | 20 | $446,950 | — | — |
| College Station Panama City | 20 | $393,273 | — | — |
| Colonial Landing Panama City Beach | 20 | $349,900 | — | — |
| Pinnacle Port Panama City Beach | 19 | $375,000 | — | — |
| Sunrise At East Bay Panama City | 19 | $290,035 | — | — |
| Horizon South Panama City Beach | 18 | $257,500 | — | — |
| Biltmore Beach Panama City Beach | 17 | $515,000 | — | — |
What is for sale in Bay County: property types
- Condos: 1003
- Manufactured homes: 70
- Single-family homes: 47
- Townhouses: 3
Another 1456 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 (1003) · Manufactured and Mobile Homes for sale in Bay County (70).
What a home in Bay County costs to own
Take the median $365,990 listing with 20% down at today’s 6.71% 30-year rate: principal and interest run about $1,891/month. Bay County’s typical millage of 12.28 puts property tax near $3,879/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 $2,375/month plus any HOA or CDD assessment.
Explore Bay County
- Bay County market intelligence: prices, supply and trends
- New construction homes in Bay County
- Bay County property tax guide
- Search every Bay County community
- All Florida cities and counties
Homes for sale by city in Bay County
- Homes for sale in Panama City Beach, FL — 805 listings
- Homes for sale in Panama City, FL — 291 listings
- Homes for sale in Mexico Beach, FL — 11 listings
- Homes for sale in Southport, FL — 6 listings
Common questions
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Listings, counts and prices are from Momentum Realty’s MLS record of active residential listings in Bay County as of 2026-09-06 and refresh as homes list and sell. Listing data provided by the Emerald Coast Association of REALTORS®. Information is deemed reliable but is not guaranteed by the MLS to be accurate. 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.