Bay County neighborhoods, Panama City to Panama City Beach. Know what matters before you buy.

Bay County has been rebuilding and growing since Hurricane Michael, with Panama City Beach driving the resort and short-term-rental market and Lynn Haven and Southport absorbing much of the year-round new construction. It is a Gulf market where storm history and insurance shape every decision.

What decides a Bay County purchase is wind and flood insurance near the coast, post-Michael rebuild and roof condition, and whether the home is a primary residence or a rental. The guides state the insurance reality and the storm-rebuild posture honestly.

793 community guides, organized by town — the largest towns show their most active communities here, with every community on the town page. Start with the interactive Neighborhood Finder if you'd rather browse the whole map.

Buying? Homes for sale in Panama City, FL · Panama City condos for sale · Homes for sale in Panama City Beach, FL · Panama City Beach condos for sale · Bay County homes for sale

Thinking of selling in Panama City? See what your home would sell for

Thinking of selling in Panama City Beach? See what your home would sell for

ZIP codes: Panama City ZIP codes · Panama City Beach ZIP codes

Panama City (378)

See all 378 Panama City communities → (36 most active shown here)

Panama City Beach (297)

See all 297 Panama City Beach communities → (36 most active shown here)

Lynn Haven (51)

See all 51 Lynn Haven communities → (36 most active shown here)

Callaway (1)

Grand Oaks of CallawayGrand Oaks of Callaway is a planned single-family community in Callaway, FL (Bay County) by Century Complete (Century Communities).

Southport (10)

Springfield (8)

BeaubrookBeaubrook in Springfield, GA: Recent sales median $345K (2024), $136/sq ft, 5 sales since 2023. Live Georgia MLS data and public records.Grove HillGrove Hill in Springfield, FL: 4 homes for sale from $220K to $390K. Live CPAR MLS data and public records.Hangleider CutHangleider Cut in Springfield, GA: 1 home for sale from $850K. Live Georgia MLS data and public records.LonadineLonadine is a planned single-family new construction, new phase (mungo homes) community in Springfield, GA (Effingham County) by Mungo Homes.Olde Lancaster PlaceOlde Lancaster Place in Springfield, GA: 2 sold on record. Live Georgia MLS data and public records.Runs CrossingRuns Crossing in Springfield, GA: Median sale $660K (2026), median 103 days on market. Live Georgia MLS data and public records.Spring BranchSpring Branch in Springfield, GA: Median sale $255K (2026), median 48 days on market. Live Georgia MLS data and public records.Wilder RoadWilder Road is a planned pud: single-family plus fee-simple duplexes - springfield's first pud (coastal cornerstone development) community in…

Port St. Joe (33)

Mexico Beach (15)

Straight answers

Where is the new construction in Bay County?

Mostly Lynn Haven, Southport, and the north-Bay corridor for year-round homes, plus condo and resort product on Panama City Beach. The guides flag HOA and any CDD posture.

How is insurance in Bay County after Hurricane Michael?

Wind and flood exposure is real and roof and rebuild condition matter to both insurance and lending. Confirm the wind-mitigation and flood posture before offering.

Panama City or Panama City Beach?

Panama City and Lynn Haven buy year-round neighborhoods and value; the Beach buys resort lifestyle and rental income at a premium with more storm exposure. The guides map both.

What county is Panama City in?

Panama City is in Bay County, Florida. We have guides to 378 Panama City communities. See homes for sale in Panama City · Own a home in Panama City? See what it would sell for.

Where is Panama City, Florida?

Panama City is in Bay County, in Northwest Florida. It is the Bay County seat. Browse Panama City homes for sale.

What county is Panama City Beach in?

Panama City Beach is in Bay County, Florida. We have guides to 297 Panama City Beach communities. See homes for sale in Panama City Beach · Own a home in Panama City Beach? See what it would sell for.

Where is Panama City Beach, Florida?

Panama City Beach is in Bay County, in Northwest Florida. The Bay County seat is Panama City. Browse Panama City Beach homes for sale.

Homes for sale now in Bay County

2,894 live listings in this area, 173 listed in the last 7 days. A selection, newest first:

529 Christmas Tree Lane, Panama City Beach · $685,100 · 3 bd · Courtesy of Blue Swell Realty
168 Derby Woods Drive, Lynn Haven · $365,000 · 3 bd · Courtesy of Keller Williams Success Realty
14701 Front Beach Road 1933, Panama City Beach · $374,900 · 1 bd · Courtesy of Coastal Real Estate Group, Inc
102 Sunset Circle, Panama City Beach · $635,000 · 5 bd · Courtesy of Keller Williams Realty Emerald
103 Park Place, Panama City Beach · $309,000 · 2 bd · Courtesy of Anchor Realty Florida
23223 Front Beach Road A-110, Panama City Beach · $299,000 · 1 bd · Courtesy of JONES REAL ESTATE AND RENTALS LLC
4849 Windrow Way, Panama City · $414,900 · 4 bd · Courtesy of DR Horton Realty of Emerald Coast, LLC
4346 Vista Lane, Lynn Haven · $419,900 · 3 bd · Courtesy of Counts Real Estate Group Inc
307 Ember Lane Lot 308, Panama City Beach · $1,080,000 · 4 bd · Courtesy of Jacksonville TBI Realty LLC
128 Fairway Boulevard, Panama City Beach · $629,900 · 4 bd · Courtesy of ERA American Real Estate
167 Gulf Highlands Boulevard, Panama City Beach · $219,900 · 2 bd · Courtesy of Joseph Walter Realty LLC
12828 Lake Merial Strand Drive 27, Panama City · $476,351 · 5 bd · Courtesy of Holiday Builders of the Gulf Coast
1620 Deer Avenue, Panama City · $348,000 · 3 bd · Courtesy of EXP Realty LLC
7110 William Pitsenbarger Road, Panama City · $359,900 · 5 bd · Courtesy of DR Horton Realty of Emerald Coast, LLC
1303 Wisconsin Avenue, Lynn Haven · $255,000 · 5 bd · Courtesy of Keller Williams Success Realty
10901 Front Beach Road 715, Panama City Beach · $395,000 · 1 bd · Courtesy of Keller Williams Success Realty
1600 Marina Bay Drive 504, Southport · $650,000 · 3 bd · Courtesy of CENTURY 21 Commander Realty
7525 Delancey Street, Panama City · $274,900 · 3 bd · Courtesy of DR Horton Realty of Emerald Coast, LLC
5018 Parkbrook Cove, Panama City · $368,670 · 4 bd · Courtesy of Adams Homes Realty, Inc.
7505 Coleridge Road, Panama City · $520,000 · 4 bd · Courtesy of Hitchcock Real Estate LLC
855 Crystal Bayou Boulevard, Panama City Beach · $565,150 · 3 bd · Courtesy of HMS Real Estate
105 Osprey Lake Road, Panama City · $298,900 · 4 bd · Courtesy of Coastal Sun Realty LLC
17757 Front Beach Road 301A, Panama City Beach · $850,000 · 3 bd · Courtesy of Beachy Beach Real Estate
8101 Highpoint Road, Panama City · $655,000 · 4 bd · Courtesy of Beachy Beach Real Estate

Just listed, updated hourly: New in Panama City & Central Panhandle

Live MLS listings, refreshed hourly; listings held by other brokerages are marked with the listing broker. Information deemed reliable but not guaranteed. Equal Housing Opportunity.