Holiday Beach in Panama City Beach

Holiday Beach
Homes for Sale in Panama City Beach, FL

All 726 homes for sale in Panama City Beach, FL · median $369,000 · 364 homes for sale in 32408 · Bay County homes for sale

Community in Panama City Beach · Bay County · ZIP 32408
1,141 homesBuilt 1940–2024Median sale $495K
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Photo via CPAR MLS

Built fromLive CPAR MLS dataFL DOR public recordsUpdated twice daily

As of November 2026, Holiday Beach in Panama City Beach, FL has 27 homes for sale and 4 pending, asking from $288,900 to $1,900,000 (median $560,000). Over the 12 months ending 2026-11-11, 17 recorded sales closed at a median of $495,000, a median 83 days on market, sellers accepting 88% of original asking. Homes listed or recently sold were built 1971–2026 with 2 new construction; 7 of the 30 geocoded homes sit in a FEMA special flood hazard zone (median elevation 10 ft). At the median price and Bay County's FY2025-26 rate of 12.28 mills, annual property tax runs about $6,080 ($5,590 with the full homestead exemption).

Last 30 days in Holiday Beach: 7 new listings (median asking $850,000), 4 under contract right now. As of November 11, 2026, Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate.

Live · Holiday Beach Housing Pulse CPAR MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$495K
Median sold · 12 mo
87.7%
Sale vs ask
Bay median: 94.2%
Tempo
19.1mo
Supply
3 to 6 months is the balanced band
83days
Median DOM · closed
83 days at the 2026 low
13%
Under contract
Bay: 15% (434 of 2,840)
27 · 4
For sale · pending
live counts, refreshed twice daily
17
Sold · last 12 mo
10-yr average: about 17 a year
Ownership and context
31%
Owner-occupied · Holiday Beach
399 of 1271 parcels homesteaded (FL DOR 2025)
69%
Non-owner-occupied · Holiday Beach
incl. 11% trust or LLC-held · 30% out-of-state
1,141
Homes in the community
plus 130 vacant residential lots · 1271 residential parcels (FL DOR 2025)
Track record · 0 years of records
63
Recorded sales · 2024-2025
median $479K · qualified sales on the county roll (FL DOR 2025)
1940–2024
Years homes were built
median 1992 · county roll (FL DOR 2025)
1.5%/yr
Turnover rate
about 17 of 1141 homes trade a year

Homes For Sale Right Now in Holiday Beach

Live MLS inventory for Holiday Beach. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending Holiday Beach listings as of 2026-11-12, priced high to low. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Tap any home to ask about it.

Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 28, 2026

Price here is driven far more by condition and vintage than by any uniform standard. With a median build year of 1991 and a stock that stretches from 1935 all the way to 2024, two homes sitting a block apart can be worlds apart on price. The median sits at $473,000, but treat that as a midpoint across a wide spread, not a going rate — what you pay tracks how much work a given house needs and how close it sits to the water.

The current posture favors patience on both sides. A median of 71 days on market and a market heat score of 23 tell you this is not a bidding-war environment; homes sit, and buyers have room to inspect, negotiate, and walk. Prices are off 3% year over year, so sellers should price to the current market rather than to last year's hopes. Buyers get leverage, but with only 5 active listings, the right house may still take time to surface.

Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.

Holiday Beach Housing Pulse · Momentum Research · as of November 11, 2026

Holiday Beach right now

🟢 Buyer-leaning market. 19.1 months of supply and 13% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of CPAR MLS records, as of November 11, 2026. Confidence: Very High (31 active and pending listings, 17 closed sales in 12 months).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated November 12, 2026 · Live data: CPAR MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

Holiday Beach market snapshot (as of November 11, 2026): the median sale price is about $495K, a median 83 days on market for closed sales, and 19.1 months of supply, a buyer-leaning market.

In ZIP 32408 (Panama City Beach), 205 homes closed in the last 12 months at a median of $385K, with a median 83 days on market. Right now 389 active and 47 pending listings put supply at about 22.8 months — a soft market. See the live ZIP 32408 housing market and the Bay County market.

County records show 63 qualified sales in Holiday Beach across 2024–2025 (35 in 2024, 28 in 2025), median $479,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Flood zones in Holiday Beach: of 21 listing addresses checked against the FEMA National Flood Hazard Layer, 67% sit outside the FEMA Special Flood Hazard Area (Zone X); 33% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Panama City Beach.

Holiday Beach is a community of 1,141 homes in Panama City Beach, Bay County, built between 1940 and 2024 (median 1992.0), with a median living area of about 1,736 square feet. 31% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

Holiday Beach is a small, established slice of Panama City Beach in Bay County where the housing stock is old enough to vary widely and the pace of sales is unhurried. With just 5 active listings against 2,317 homes, inventory turns over slowly and selectively.

Best for

  • Second-home or rental-minded buyers comfortable owning in a market where most homes are not primary residences
  • Buyers with a renovation budget who can look past dated finishes on older stock and price accordingly
  • Patient buyers who value negotiating room over speed and can wait for the right listing among few actives

Probably not for

  • Buyers who need to close quickly, since inventory is thin at just 5 active listings
  • Buyers counting on quick appreciation or a fast flip, given the 3% year-over-year decline
  • Buyers wanting large square footage or an amenity-rich community, neither of which this market offers

Listing locations from CPAR MLS. Map data © OpenStreetMap contributors.

If we were buying in Holiday Beach today, this is the order of operations we would run for our clients.

1

Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Holiday Beach.

Best Buy
Buyers who want a beach-adjacent home and are willing to underwrite condition case by case.
Biggest Risk
Prices are down 3% year over year and days on market are long, so near-term liquidity is limited.
Sweet Spot
A well-kept home near the median size of about 1,662 sq ft priced honestly to current conditions.
Avoid If
You need a fast resale or a large floor plan with shared community amenities.

A condition-driven market with a long tail

The defining feature here is age range. Homes date as far back as 1935 and as recently as 2024, with the median landing in 1991. That means the $473,000 median masks real differences: an untouched older cottage and a rebuilt or new-construction home are not the same purchase, and neither should be priced off the other. Median living space runs about 1,662 square feet, so this is a market of modest footprints rather than sprawling floor plans.

A homestead share of roughly 29% signals that a large portion of these homes are not primary residences — consistent with a beach-town mix of second homes and rentals. No community amenities surfaced in current MLS listings, so the draw here is location and the individual property, not a shared amenity package. Buyers should underwrite each home on its own bones.

“

The location and the amenities are priced into every listing in Holiday Beach. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
1.7D · Buy Score
Liquidity & Demand0.0/10
Owner Commitment3.1/10
Pricing Power1.8/10

Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (1.7). Basis: Liquidity & Demand 19.1 months of supply; Owner Commitment 31% owner-occupied; Pricing Power 87.7% sale-to-list. Refreshed with each data update.

Why work with Momentum here

In a thin, slow-moving market with only 5 active listings and a 71-day median, the value of local read-through is high. We help buyers separate a fairly priced home from one riding a stale asking number, and we help sellers set a figure that moves in a market that is down 3% year over year rather than one that lingers. With such a wide vintage range, our job is to price and inspect each house on its actual condition.

Holiday Beach in 15 seconds.

Best forBuyers who want a beach-adjacent home and are willing to underwrite condition case by case.
Biggest advantageA slow market gives you time to inspect and negotiate without pressure.
Biggest riskPrices are down 3% year over year and days on market are long, so near-term liquidity is limited.
Sweet spotA well-kept home near the median size of about 1,662 sq ft priced honestly to current conditions.
Avoid ifYou need a fast resale or a large floor plan with shared community amenities.
The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Holiday Beach sales matched to your home.

What is your Holiday Beach home worth?

Get a no-obligation home value based on real comparable sales in Holiday Beach, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

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Real comps, not an automated estimate.

Recently off market in Holiday Beach

Homes in Holiday Beach that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 23 on record.

Holiday Beach key facts
LocationPanama City Beach, Bay County, FL · ZIP 32408
Homes in the community1,141 (FL DOR 2025 assessment roll)
Years built1940–2024 (median 1992.0)
Typical living area1,736 sq ft (median)
Home types (current listings and sales)singlefamilyresidence 74%, attached 13%, duplexes 6%
Sale prices, last 12 months$495,000 median across 17 closed sales
Days on market (closed sales)83 median
For sale right now27 active, 4 pending · median asking $560,000 · 19.1 months of supply
Owner-occupied (homestead) share31%

Data as of November 11, 2026. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Holiday Beach key facts,” movewithmomentum.com/neighborhoods/holiday-beach, data as of November 11, 2026.

Housing distress & ownership in Holiday Beach, Panama City Beach

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 26 listings
Distress share trend — 0.0% now (2026-08-12 → 2026-11-11)

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.

Every Home for Sale in Holiday Beach Right Now (31)

All 31 active and pending Holiday Beach listings with a detail page, newest first, refreshed twice a day from the MLS.

Streets in this community

Street-level pages: every home on record, what sold and what is for sale on each street.

How much local inventory is already under contract

13% of homes for sale in Holiday Beach are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-11-12).

What it really costs to own in Holiday Beach

The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.

Property taxCurrent owners' bills run a median of $4,253/yr across 56 listings here (MLS tax records, 2026-11-12).
Home and flood insuranceThe average Citizens Property Insurance premium in Bay County is $1,928/yr (1,264 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 21 listing addresses checked against the FEMA flood map, 67% sit outside the high-risk zone and 33% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes).
Roof and ageMedian build year 1996 across 62 listings. An original roof here would be about 30 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails.

Email me new listings in Holiday Beach

One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about Holiday Beach

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Holiday Beach will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

Recent Developments in Holiday Beach

Development, infrastructure, retail, and school activity affecting Holiday Beach, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.

  1. October 2026
    Parks & Amenities

    Bay County wraps up second phase of Island View Park renovations

    Phase two, costing about $40,000 from the county general budget, adds two pavilions, a basketball court and sidewalks, following a May playground replacement. A new fence is already in. Completion is expected within a few weeks.

    What it may mean for the marketAdded courts, shade structures and walkways improve everyday recreation options in the surrounding neighborhood. The site is about 2 miles southwest of Holiday Beach.

    Source: WJHG
  2. October 2026
    Development

    Panama City rejects marina bids and will rebuild West Basin in phases

    The city rejected all bids earlier this month for the 49-slip West Basin and will rebid in phases focused on wet slips. The boat ramp has been redesigned and will come later. Phase One construction could start within 90 days of selecting a contractor.

    What it may mean for the marketA slower, phased marina rebuild delays new downtown waterfront boating capacity but keeps the project moving toward construction. The site is about 2 miles southeast of Holiday Beach.

    Source: WJHG
  3. September 2026
    Retail & Dining

    Panama City meets Houston developer interested in part of Panama City Mall site

    Panama City officials met a Houston developer interested in buying a portion of the largely vacant Panama City Mall, owned by Hendon Properties, with a retail focus. Discussions covered rezoning, possible CRA participation and plan submittal. The mayor called the FDOT US 231 widening, planned to six lanes from US 98 to SR 20, the biggest holdup.

    What it may mean for the marketPossible retail redevelopment of a large vacant site could add shopping options near the US 231 corridor, with timing tied to road widening and rezoning. The site is about 1 mile northeast of Holiday Beach.

    Source: WJHG
  4. August 2026
    Development

    Deal reached to redevelop historic Panama City Grammar School into apartments and townhomes

    Panama City reached a deal for developer Zachary Seymour to buy the 1914 Panama City Grammar School on East Seventh Street and convert it to apartments and townhomes. The city would waive about $375,000 in code fines and a $100,000 CRA grant is pending approval. Seymour has one year to finish structural repairs to roofs, windows and doors.

    What it may mean for the marketReuse of a vacant historic building would add downtown-area residential units and remove a long-standing vacant property. The site is about 2 miles southeast of Holiday Beach.

    Source: WJHG
  5. August 2026
    Infrastructure

    HCA Florida Gulf Coast Hospital announces $125 million expansion

    HCA Florida Gulf Coast Hospital announced a $125 million expansion on its 23rd Street campus, including a new patient tower with 34 additional beds, a 16-bed orthopedic and spine unit, a fourth cath lab, an expanded women's center and a 5,000-square-foot outpatient entrance expansion. The project is in design, with construction of 24 to 36 months and completion targeted for 2029.

    What it may mean for the marketAdded hospital capacity and specialty services would improve local healthcare access and add medical-sector employment along the 23rd Street corridor. The site is less than a mile southwest of Holiday Beach.

    Source: WJHG
  6. July 2026
    Civic

    Panama City approves 12-month moratorium on AI data centers

    Panama City commissioners unanimously approved a 12-month pause on AI data centers in certain areas, following a six-month restriction adopted by Bay County the prior week. The city said it will use the period to study data center operations and revisit how they fit into local zoning and land-use rules.

    What it may mean for the marketA temporary pause shapes where data centers can locate while the city reviews zoning and land-use standards. The site is about 2 miles southeast of Holiday Beach.

    Source: WJHG News Channel 7

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Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

Frequently Asked Questions

What is the median home price in Holiday Beach?
The median sale price in Holiday Beach was $495K over the 12 months ending November 11, 2026 (17 closed sales, CPAR MLS).
How long do homes in Holiday Beach take to sell?
Homes that closed in the 12 months ending November 11, 2026 took a median 83 days on market (17 sales, CPAR MLS).
Is Holiday Beach a buyer's or seller's market right now?
As of November 11, 2026, Holiday Beach leans toward buyers: 19.1 months of supply at the current sales pace (CPAR MLS live counts).
How many homes are in Holiday Beach?
The Florida DOR 2025 assessment roll shows 1,141 homes plus 130 vacant residential lots in Holiday Beach (public records).
What share of Holiday Beach is owner-occupied?
31% of Holiday Beach parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Holiday Beach built?
Homes in Holiday Beach were built between 1940 and 2024, with a median year built of 1992.0 (FL DOR 2025 roll).
Who is the best real estate agent for Holiday Beach?
The best agent for Holiday Beach is one who actively works Panama City Beach and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Holiday Beach.
How do I find a top Panama City Beach real estate agent who knows Holiday Beach?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Holiday Beach and the wider Panama City Beach area.
Can Momentum Realty connect me with an agent for Holiday Beach?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Holiday Beach purchase or sale - no call center and no pressure.
Where is Holiday Beach, and what county is it in?
Holiday Beach is in Panama City Beach, Bay County, FL, ZIP 32408. The community's center is about 48 miles northwest of the center of Panama City Beach (straight-line).
Is Holiday Beach in a flood zone?
Partly. Of 21 homes we sampled in Holiday Beach, 67% sit outside a FEMA Special Flood Hazard Area (Zone X) and 33% 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 before you close; the flood section on this page shows the community's mix.
Is Holiday Beach a good place to live?
That depends on your budget, commute and what you want in a home, so here is what the data says about Holiday Beach: the median sale price over the last 12 months was $495K (17 sales), 12% above the Panama City Beach median of $442K; homes took a median 83 days to go under contract; the assessment roll counts 1,141 homes, 31% of them homesteaded (owner-occupied); supply is 19.1 months at the current sales pace, which favors buyers. The full numbers, price history and the flood and school sections are above.
Second-home or rental-minded buyers comfortable owning in a market where most homes are not primary residencesExcellent fit
Buyers with a renovation budget who can look past dated finishes on older stock and price accordinglyExcellent fit
Patient buyers who value negotiating room over speed and can wait for the right listing among few activesExcellent fit
Buyers who need to close quickly, since inventory is thin at just 5 active listingsProbably not
Buyers counting on quick appreciation or a fast flip, given the 3% year-over-year declineProbably not
Buyers wanting large square footage or an amenity-rich community, neither of which this market offersProbably not

Data sources & freshness

Live listingsCPAR MLS, refreshed twice daily (last: November 12, 2026)
Community market statsCPAR MLS closed sales, 12-month windows ending November 11, 2026
Housing stock & ownershipFlorida DOR assessment roll (street-list match (4 streets, ZIP 32408))
Under-contract sharesCPAR MLS records, as of 2026-11-11
Historical depthClosed-sale records back to 2026 (17 transactions analyzed)

Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.

Momentum Research figures are our own analysis of CPAR MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.

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Nearby Communities

Explore more neighborhoods near Holiday Beach with Momentum Realty’s local guides.

Holiday Beach On The Gulf0.2 mi away · 15 homes, built 1971–10, 2 for salePelican Walk0.2 mi away · 1 for saleSand Castles Villas Condo0.2 mi away · 2 for saleSand Castles Villa0.2 mi away · 3 for saleHidden Dunes Condo0.2 mi away · 2 for saleSago Park Townhomes0.2 mi awaySunswept (Bay)0.2 mi away · 4 for saleCresent Beach0.3 mi away · 1 for sale

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