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Homes for Sale in Bay County, FL

By , Co-Founder, Momentum Realty · Updated September 25, 2026

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1,067 homes are for sale in Bay County, FL as of 2026-09-25, with 513 more under contract. The median list price is $362,500, most homes list between $216K to $675K, and the median listing has been on the market 92 days. 176 homes came on the market this week.

Bay County, FL key facts
LocationFlorida
For sale right now1,067 active, 513 under contract
Asking prices$362,500, median · most homes $216K–$675K
Median days on market (active listings)92
New listings this week176

Listing counts and prices as of 2026-09-25; MLS data, refreshed nightly. 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 2026-09-25.

1,067
Homes for sale
$362,500
Median list price
$216K to $675K
Typical range
92
Median days on market
176
New this week
513
Under contract
$2,400
Est. monthly cost at median

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.

7115 Thomas Drive 1803, home for sale in Bay County
$1.35M New
3 bd · 3 ba · built 2001
7115 Thomas Drive 1803, 32408
Hidden Dunes Condo
Listing courtesy of Think Real Estate
15625 Front Beach Road 1603, home for sale in Bay County
$1.20M New
3 bd · 3 ba · built 2007
15625 Front Beach Road 1603, 32413
Aqua
Listing courtesy of MJH Real Estate Brokerage, LLC
15625 Front Beach Road 1802, home for sale in Bay County
$1.20M New
3 bd · 3 ba · built 2007
15625 Front Beach Road 1802, 32413
Aqua
Listing courtesy of MJH Real Estate Brokerage, LLC
4100 Marriott Drive 401, home for sale in Bay County
$1.09M New
4 bd · 5 ba · built 2007
4100 Marriott Drive 401, 32408
Reflections
Listing courtesy of Think Real Estate
10611 Front Beach Road 1303, home for sale in Bay County
$999,900 New
4 bd · 4 ba · built 2006
10611 Front Beach Road 1303, 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
10611 Front Beach Road 1503, home for sale in Bay County
$899,000 New
4 bd · 4 ba · built 2006
10611 Front Beach Road 1503, 32407
Ocean Ritz
Listing courtesy of Christies International Real Estate Emerald Coast
3001 W 10th Street 203, home for sale in Bay County
$880,000 New
3 bd · 3 ba · built 2006
3001 W 10th Street 203, 32401
Harbour Village At Historic St Andrews
Listing courtesy of Hitchcock Real Estate LLC
5004 Thomas Drive 1712, home for sale in Bay County
$869,000 New
3 bd · 2 ba · built 2005
5004 Thomas Drive 1712, 32408
Treasure Island Resort
Listing courtesy of Legacy Premier Agency
11347 Front Beach Road 1103, home for sale in Bay County
$775,000 New
3 bd · 3 ba · built 1990
11347 Front Beach Road 1103, 32407
Edgewater Beach
Listing courtesy of Miller & Associates Realty
10901 Front Beach Road 402, home for sale in Bay County
$724,900 New
4 bd · 3 ba · built 2005
10901 Front Beach Road 402, 32407
Majestic Beach Tower
Listing courtesy of Keller Williams Success Realty
11619 Front Beach Road # 303, home for sale in Bay County
$675,000 New
3 bd · 3 ba · built 1985
11619 Front Beach Road # 303, 32407
Edgewater Tower
Listing courtesy of Anchor Realty Florida
10901 Front Beach Road 1103, home for sale in Bay County
$650,000 New
3 bd · 2 ba · built 2005
10901 Front Beach Road 1103, 32407
Majestic Beach Tower
Listing courtesy of Counts Real Estate Group Inc
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
9900 S Thomas Drive 1528, home for sale in Bay County
$624,000 New
3 bd · 3 ba · built 2007
9900 S Thomas Drive 1528, 32408
Shores Of Panama
Listing courtesy of Coastal Living Realty & Associates
10811 Front Beach Road 908, home for sale in Bay County
$619,000 New
2 bd · 2 ba · built 2006
10811 Front Beach Road 908, 32407
Majestic Beach Tower
Listing courtesy of MJH Real Estate Brokerage, LLC
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
11619 Front Beach Road 402, home for sale in Bay County
$560,000 New
2 bd · 2 ba · built 1985
11619 Front Beach Road 402, 32407
Edgewater Tower
Listing courtesy of Berkshire Hathaway HomeServices Beach Properties of Florida
17757 Front Beach Road 2302B, home for sale in Bay County
$549,000 New
2 bd · 2 ba · built 2004
17757 Front Beach Road 2302B, 32413
Celadon Beach
Listing courtesy of REMAX By The Sea
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 2003, home for sale in Bay County
$537,000 New
2 bd · 2 ba · built 2005
14825 Front Beach Road 2003, 32413
Sunrise Beach
Listing courtesy of Pineapple Properties
15928 Front Beach Road 3-302, home for sale in Bay County
$525,000 New
3 bd · 2 ba · built 2020
15928 Front Beach Road 3-302, 32413
Calypso Towers
Listing courtesy of Better Homes and Gardens Coast Properties
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
9900 S Thomas Drive 1418, home for sale in Bay County
$489,999 New
2 bd · 3 ba · built 2007
9900 S Thomas Drive 1418, 32408
Shores Of Panama
Listing courtesy of Beachy Beach 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 $362,500; the busiest band is $200K – $300K.

Under $200K: 82 homes

$200K – $300K: 275 homes

$300K – $400K: 262 homes

$400K – $500K: 164 homes

$500K – $750K: 211 homes

$750K – $1M: 54 homes

$1M and up: 19 homes

Every home for sale in Bay County right now (1067)

All 1067 active Bay County listings with a detail page, newest first, refreshed twice a day from the MLS.

Showing the newest 150 of 1067; the price bands above and the map cover the rest.

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
32408446$345,000
32413354$402,500
32407211$425,000
3240121$230,000
3245613$489,000
324049$135,000
324098$407,450
324383$177,499
324052$192,000

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.

CommunityFor saleMedian listMedian sold (12 mo)Days on market
Laketown Wharf Panama City Beach82$327,500——
Shores Of Panama Panama City Beach68$359,950——
Gulf Highlands Beach Resort Panama City Beach50$304,950——
Latitude At Watersound Panama City Beach50$589,500——
Edgewater Tower Panama City Beach44$567,500——
Calypso Towers Panama City Beach42$638,500——
Origin At Seahaven Panama City Beach35$308,900——
Parkbrook Panama City32$345,300——
Liberty Panama City31$295,000——
Titus Park Panama City30$357,450——
Breakfast Point East Panama City Beach28$549,998——
Hodges Bayou Plantation Panama City28$372,400——
Tidewater Beach Panama City Beach28$485,000——
Bay Point Panama City Beach26$812,000——
Holiday Beach Panama City Beach26$552,400——
Lynn Haven Lynn Haven25$355,000——
Sunbird Condo Panama City Beach25$314,900——
Sweetbay Panama City24$553,847——
Boardwalk Central Panama City Beach22$446,950——
Grand Panama Beach Resort Panama City Beach22$564,000——
Island Reserve Panama City Beach22$278,500——
Laguna Beach Panama City Beach22$824,000——
Edgewater Golf Villas Panama City Beach21$275,000——
Horizon South Panama City Beach20$257,000——
Venture Out Travel Trail Panama City Beach20$389,400——
Bridge Harbor Panama City19$364,900——
College Station Panama City19$407,350——
Colonial Landing Panama City Beach18$354,450——
Sunrise At East Bay Panama City18$286,480——
Biltmore Beach Panama City Beach17$515,000——

What is for sale in Bay County: property types

Another 1463 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 (1001) · Manufactured and Mobile Homes for sale in Bay County (64).

What a home in Bay County costs to own

Take the median $362,500 listing with 20% down at today’s 6.95% 30-year rate: principal and interest run about $1,920/month. Bay County’s typical millage of 12.28 puts property tax near $3,836/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 $2,400/month plus any HOA or CDD assessment.

Explore Bay County

Homes for sale by city in Bay County

Bay County data pages

Common questions

How many homes are for sale in Bay County, FL?
As of 2026-09-25, Momentum's MLS record shows 1,067 residential homes actively listed for sale in Bay County and 513 under contract. 176 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 $362,500. Ten percent of listings are under $216K and ten percent are above $675K.
How long do homes take to sell in Bay County?
Homes currently listed have been on the market a median of 92 days.
What does a $362,500 home in Bay County cost per month?
Roughly $2,400 a month with 20% down at 6.95%: principal and interest of $1,920, Bay County property tax of about $320/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), Shores Of Panama (68), Gulf Highlands Beach Resort (50), Latitude At Watersound (50), Edgewater Tower (44). 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.

Listings, counts and prices are from Momentum Realty’s MLS record of active residential listings in Bay County as of 2026-09-25 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.

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