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Homes for Sale in Panama City Beach, FL

By , Co-Founder, Momentum Realty · Updated November 6, 2026

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696 homes are for sale in Panama City Beach, FL as of 2026-11-06, with 201 more under contract. The median list price is $368,750, most homes list between $220K to $689K, and the median listing has been on the market 98 days. That is 2 houses, 662 condos and 1 townhouses. 135 homes came on the market this week and 2,096 sold in the last 12 months at a median of $425,000.

Panama City Beach, FL key facts
LocationBay County, FL
ZIP codes with their own page3
For sale right now696 active, 201 under contract
Asking prices$368,750, median · most homes $220K–$689K
Median days on market (active listings)98
Property types for sale2 houses, 662 condos, 1 townhouses
New listings this week135
Homes sold, last 12 months2,096 at a median of $425,000

Listing counts and prices as of 2026-11-06; MLS data, refreshed nightly; sold figures are trailing 12 months of closed sales. Market figures describe homes, not residents. Cite as: Momentum Realty, “Panama City Beach, FL key facts,” movewithmomentum.com/homes-for-sale/panama-city-beach-fl/, data as of 2026-11-06.

Browse all 1,535 homes for sale in Panama City Beach, FL — the complete list, newest first.

696
Homes for sale
$368,750
Median list price
$220K to $689K
Typical range
98
Median days on market
135
New this week
201
Under contract
$2,485
Est. monthly cost at median
4.0
Months of supply

Newest homes for sale in Panama City Beach

The most recently listed homes in Panama City Beach, 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.

10611 Front Beach Road 1303, Panama City Beach, FL 32407, home for sale in Panama City Beach
$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 Panama City Beach
$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 Panama City Beach
$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 Panama City Beach
$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 Panama City Beach
$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 Panama City Beach
$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, Panama City Beach, FL 32413, home for sale in Panama City Beach
$649,000 New
3 bd · 2 ba · built 2006
2120 Wild Heron Way 201, Panama City Beach, FL 32413, 32413
Wild Heron
Listing courtesy of Watersound Real Estate
15625 Front Beach Road 1405, home for sale in Panama City Beach
$637,000 New
2 bd · 2 ba · built 2007
15625 Front Beach Road 1405, 32413
Aqua
Listing courtesy of Counts Real Estate Group Inc
15928 Front Beach Road 3-907, home for sale in Panama City Beach
$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
7205 Thomas Drive A105, Panama City Beach, FL 32408, home for sale in Panama City Beach
$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 Panama City Beach
$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
17757 Front Beach Road 108B, home for sale in Panama City Beach
$579,000 New
2 bd · 2 ba · built 2004
17757 Front Beach Road 108B, 32413
Celadon Beach
Listing courtesy of Seltzer Real Estate, LLC
15928 Front Beach Road 32006, home for sale in Panama City Beach
$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 Panama City Beach
$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, home for sale in Panama City Beach
$549,000 New
2 bd · 2 ba · built 2004
17757 Front Beach Road 2302B, 32413
Celadon Beach
Listing courtesy of REMAX By The Sea
11483 Front Beach Road 710, home for sale in Panama City Beach
$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 Panama City Beach
$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 Panama City Beach
$524,900 New
2 bd · 2 ba · built 2005
14825 Front Beach Road 2204, 32413
Sunrise Beach
Listing courtesy of CENTURY 21 AllPoints Realty
9860 S Thomas Drive 2124, home for sale in Panama City Beach
$469,900 New
3 bd · 2 ba · built 2008
9860 S Thomas Drive 2124, 32408
Laketown Wharf
Listing courtesy of Simply South Realty
5115 Gulf Drive 1708, Panama City Beach, FL 32408, home for sale in Panama City Beach
$465,000 New
1 bd · 2 ba · built 2006
5115 Gulf Drive 1708, Panama City Beach, FL 32408, 32408
Seychelles Resort Condominium
Listing courtesy of Savvy Avenue LLC
5801 Thomas Drive 602, home for sale in Panama City Beach
$465,000 New
3 bd · 2 ba · built 1982
5801 Thomas Drive 602, 32408
Regency Towers
Listing courtesy of Coldwell Banker Realty
15100 Front Beach Road 419/421, home for sale in Panama City Beach
$444,000 New
2 bd · 2 ba · built 2007
15100 Front Beach Road 419/421, 32413
Origin At Seahaven
Listing courtesy of LPT Realty LLC
520 N Richard Jackson Boulevard 808, home for sale in Panama City Beach
$440,000 New
3 bd · 3 ba · built 1988
520 N Richard Jackson Boulevard 808, 32407
Edgewater Golf Villas
Listing courtesy of Counts Real Estate Group Inc
9860 S Thomas Drive 1406, home for sale in Panama City Beach
$434,900 New
2 bd · 2 ba · built 2008
9860 S Thomas Drive 1406, 32408
Laketown Wharf
Listing courtesy of Keller Williams Success Realty

Panama City Beach homes for sale by price

Every active listing in Panama City Beach grouped by price, with the newest listings in each band. The median is $368,750; the busiest band is $200K – $300K.

Under $200K: 48 homes

$200K – $300K: 182 homes

$300K – $400K: 164 homes

$400K – $500K: 95 homes

$500K – $750K: 160 homes

$750K – $1M: 36 homes

$1M and up: 11 homes

Every home for sale in Panama City Beach right now (696)

All 696 active Panama City Beach listings with a detail page, newest first, refreshed twice a day from the MLS.

Showing the newest 400 of 696; the price bands above, the ZIP pages and the map cover the rest.

Pending and under contract in Panama City Beach (201)

Panama City Beach 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.

Browse every listing on Momentum Realty.

Homes for sale in Panama City Beach 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
32413299$399,800
32408211$329,900
32407185$425,000
324611$4.75M

Panama City Beach communities with the most homes for sale

The Panama City Beach 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
Latitude At Watersound64$547,450——
Laketown Wharf41$330,000——
Calypso Towers40$634,000——
Gulf Highlands Beach Resort40$299,000——
Edgewater Tower37$575,000——
Shores Of Panama35$340,000——
Origin At Seahaven30$287,250——
Breakfast Point East26$576,944——
Tidewater Beach22$467,500——
Venture Out Travel Trail19$399,000——
Bay Point19$785,000——
Laguna Beach18$712,000——
Island Reserve17$284,900——
Breakfast Point16$569,400——
Edgewater Golf Villas16$279,450——
Pinnacle Port16$367,000——
Grand Panama Beach Resort15$569,000——
Colonial Landing15$359,000——
Nautilus Cove Condo15$230,000——
Endless Summer14$227,450——
Margaritaville Cottages14$1.38M——
Celadon Beach14$534,000——
Fontainebleau Terrace13$194,900——
Horizon South13$260,000——
Inlet Beach Heights13$619,900——
Majestic Beach Tower13$414,000——
Sunbird Condo13$315,000——
Salt Grass At Ward Creek12$636,992——
Tapestry Park12$690,000——
Lullwater Beach11$399,900——

What is for sale in Panama City Beach: property types

Another 638 listings in Panama City Beach are land, commercial or other non-residential property and are not counted above.

Browse by type: Condos for sale in Panama City Beach (662) · Manufactured and Mobile Homes for sale in Panama City Beach (31).

The Panama City Beach real estate market right now

Over the last 12 months 2,096 homes sold in Panama City Beach at a median of $425,000 (-0.7% year over year). Sellers received 93% of list price and homes took a median 76 days to go under contract. With 696 homes for sale against that sales pace, months of supply is 4.0, a balanced market by the six-month rule. New construction was 23% of sales.

Panama City Beach supply by price band

Price bandActiveSold, 12 moMonths of supplyDOM
Under $300K4210None103
$300K–$500K4970None76
$500K–$750K39718None86
$750K+850None69

Panama City Beach 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$294,8222,5544596%
2021$359,7643,7712998%
2022$439,1393,1781798%
2023$543,4479585994%
2024$462,9801,7905494%
2025$440,8761,7998093%
2026$450,0542,0967893%

What a home in Panama City Beach costs to own

Take the median $368,750 listing with 20% down at today’s 7.18% 30-year rate: principal and interest run about $1,998/month. Bay County’s typical millage of 12.28 puts property tax near $3,913/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 $2,485/month plus any HOA or CDD assessment.

Explore Panama City Beach

Homes for sale near Panama City Beach

Recently off market in Panama City Beach

Homes in Panama City Beach that left the market most recently, with their last list price and a public-record page for each address. Off-market pages keep the community, tax and sales-history context after a listing closes or expires.

Panama City Beach guides & data

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

Common questions

How many homes are for sale in Panama City Beach, FL?
As of 2026-11-06, Momentum's MLS record shows 696 residential homes actively listed for sale in Panama City Beach and 201 under contract. 135 of them came on the market in the last 7 days.
What is the median home price in Panama City Beach?
The median list price of homes for sale in Panama City Beach is $368,750. Ten percent of listings are under $220K and ten percent are above $689K. Over the last 12 months the median SOLD price was $425,000, -0.7% year over year.
How long do homes take to sell in Panama City Beach?
Homes currently listed have been on the market a median of 98 days. Homes that sold in the last 12 months took a median of 76 days and sold at 93% of list price. At today's inventory that is 4.0 months of supply, a balanced market by the usual six-month rule.
What does a $368,750 home in Panama City Beach cost per month?
Roughly $2,485 a month with 20% down at 7.18%: principal and interest of $1,998, Bay County property tax of about $326/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 Panama City Beach neighborhoods have the most homes for sale?
The communities with the most active listings right now are Latitude At Watersound (64), Laketown Wharf (41), Calypso Towers (40), Gulf Highlands Beach Resort (40), Edgewater Tower (37). Each community page carries its own sales history, live inventory and schools.
How do I see a home for sale in Panama City Beach?
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 Panama City Beach 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.
Where is Panama City Beach, FL, and what county is it in?
Panama City Beach is in Bay County, Florida. Homes for sale there today carry the ZIP codes 32413, 32408, 32407, 32461. Nearby cities in the same county with homes for sale: Panama City, Mexico Beach, Southport.
What ZIP codes are in Panama City Beach, FL?
Listings in Panama City Beach are currently in 4 ZIP codes: 32413, 32408, 32407, 32461. The ZIP table above shows how many homes are for sale in each and the median asking price.
How many houses are for sale in Panama City Beach, FL?
2 single-family houses are for sale in Panama City Beach today, out of 696 total listings (662 condos, 1 townhouses). The property-type section above breaks the inventory down, and each card opens the full listing.
How do I buy a house in Panama City Beach, FL?
Start with the numbers: 696 homes are for sale in Panama City Beach today at a median asking price of $368,750, so a 20% down payment on the median home is about $73,750 and principal and interest run near $1,998/month at today's 7.18% 30-year rate. Connect with an agent first, sign a written buyer agreement with your agent (required before touring since August 2024), then search by price band, ZIP or community above. Our Florida buyer closing-cost calculator itemizes the cash to close, and the Florida first-time buyer guide covers programs and down-payment help.
What county is Panama City Beach in?
Panama City Beach is in Bay County, Florida. Bay County's 12-month median sale price is $372K on 3,682 closings. Property tax, school zoning and permitting for Panama City Beach run through Bay County.
Is Panama City Beach a good place to live?
That depends on your budget, commute and the kind of home you want, so here is what the housing data says about Panama City Beach: the median sale price over the last 12 months was $425K across 2,096 closings (-0.7% year over year), 14% above the Bay County median of $372K; homes took a median 76 days to go under contract; new construction was 23% of sales; the communities with the most sales are Latitude At Watersound, Bayside At Ward Creek, Breakfast Point East, Gulf Highlands Beach Resort. The market tracker, price bands and community pages on this site carry the full numbers.
Is Panama City Beach in a flood zone?
Partly. Across 277 homes sampled in Panama City Beach's largest communities, about 66% sit outside a FEMA Special Flood Hazard Area (Zone X) and about 34% are inside one (Zone A or AE), where a lender requires flood insurance. Flood zones are drawn parcel by parcel, so check the exact address on FEMA's flood map; each community page here shows its own mix.

Listings, counts and prices are from Momentum Realty’s MLS record of active residential listings in Panama City Beach as of 2026-11-06 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.

More communities in Panama City Beach

Crown Point · Hearns · Tidewater Creek

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Just listed in Panama City Beach

New on the market in the last 48 hours, newest first. Updated every hour (as of 2026-11-07 14:47 UTC).

all new listings in this MLS

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