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Homes for Sale in Bay County, FL

By , Co-Founder, Momentum Realty · Updated October 20, 2026

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994 homes are for sale in Bay County, FL as of 2026-10-20, with 468 more under contract. The median list price is $362,750, most homes list between $215K to $675K, and the median listing has been on the market 92 days. 180 homes came on the market this week.

Bay County, FL key facts
LocationFlorida
For sale right now994 active, 468 under contract
Asking prices$362,750, median · most homes $215K–$675K
Median days on market (active listings)92
New listings this week180

Listing counts and prices as of 2026-10-20; 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 2026-10-20.

994
Homes for sale
$362,750
Median list price
$215K to $675K
Typical range
92
Median days on market
180
New this week
468
Under contract
$2,490
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
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
10719 Front Beach Road 205, Panama City Beach, FL 32407, home for sale in Bay County
$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
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
8601 Surf Drive 12W, home for sale in Bay County
$825,000 New
3 bd · 2 ba · built 2000
8601 Surf Drive 12W, 32408
Grande Surf Club Condo
Listing courtesy of Hilltop Legacy Realty
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
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
17643 Front Beach Road 1701, home for sale in Bay County
$650,000 New
2 bd · 2 ba · built 2009
17643 Front Beach Road 1701, 32413
Tropic Winds
Listing courtesy of Beycome of Florida LLC
2120 Wild Heron Way 201, Panama City Beach, FL 32413, home for sale in Bay County
$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
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
4425 Thomas Drive 309T, home for sale in Bay County
$595,000 New
2 bd · 3 ba · built 1981
4425 Thomas Drive 309T, 32408
Moonspinner Apartments
Listing courtesy of Counts Real Estate Group Inc
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
Panama City Beach
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, Panama City Beach, FL 32413, home for sale in Bay County
$539,900 New
2 bd · 2 ba · built 2007
16819 Front Beach Road 1200, Panama City Beach, FL 32413, 32413
Tidewater Beach
Listing courtesy of Emerald Seascapes Properties LLC
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
14825 Front Beach Road 1904, home for sale in Bay County
$499,999 New
2 bd · 2 ba · built 2005
14825 Front Beach Road 1904, 32413
Sunrise Beach
Listing courtesy of Dalton Wade Inc
17739 Front Beach Road 1206W, Panama City, FL 32413, home for sale in Bay County
$489,998 New
2 bd · 2 ba · built 2006
17739 Front Beach Road 1206W, Panama City, FL 32413, 32413
Splash Condo
Listing courtesy of Berkshire Hathaway HomeServices Beach Properties of Florida
9900 S Thomas Drive 804, home for sale in Bay County
$474,900 New
2 bd · 3 ba · built 2007
9900 S Thomas Drive 804, 32408
Shores Of Panama
Listing courtesy of Coastal Palms Real Estate
9860 S Thomas Drive 2124, home for sale in Bay County
$469,900 New
3 bd · 2 ba · built 2008
9860 S Thomas Drive 2124, 32408
Laketown Wharf
Listing courtesy of Simply South Realty
10519 Front Beach Road 1004B, Panama City Beach, FL 32407, home for sale in Bay County
$469,000 New
2 bd · 2 ba · built 2004
10519 Front Beach Road 1004B, Panama City Beach, FL 32407, 32407
Twin Palms Resort
Listing courtesy of RE Florida Homes

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 $362,750; the busiest band is $200K – $300K.

Under $200K: 82 homes

$200K – $300K: 251 homes

$300K – $400K: 241 homes

$400K – $500K: 154 homes

$500K – $750K: 195 homes

$750K – $1M: 55 homes

$1M and up: 16 homes

Every home for sale in Bay County right now (994)

All 994 active Bay County listings with a detail page, newest first, refreshed twice a day from the MLS.

Showing the newest 150 of 994; 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
32408414$341,000
32413326$409,950
32407200$425,000
3240123$230,000
3245614$479,500
324097$389,900
324045$118,000
324383$177,499
324052$189,000

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 Beach81$334,000——
Shores Of Panama Panama City Beach58$357,000——
Latitude At Watersound Panama City Beach54$596,354——
Gulf Highlands Beach Resort Panama City Beach45$299,900——
Calypso Towers Panama City Beach40$638,500——
Edgewater Tower Panama City Beach40$562,000——
Liberty Panama City39$304,900——
Origin At Seahaven Panama City Beach31$308,900——
Hodges Bayou Plantation Panama City31$369,900——
Parkbrook Panama City28$310,991——
Titus Park Panama City28$357,400——
Breakfast Point East Panama City Beach27$552,169——
Bay Point Panama City Beach26$812,000——
Holiday Beach Panama City Beach24$557,400——
Tidewater Beach Panama City Beach24$467,500——
Sunbird Condo Panama City Beach24$309,650——
Lynn Haven Lynn Haven23$349,000——
Sweetbay Panama City22$540,000——
Boardwalk Central Panama City Beach22$446,950——
College Station Panama City21$407,350——
Edgewater Golf Villas Panama City Beach19$289,000——
Island Reserve Panama City Beach19$277,000——
Venture Out Travel Trail Panama City Beach19$399,000——
Colonial Landing Panama City Beach18$368,761——
Sunrise At East Bay Panama City17$282,925——
Laguna Beach Panama City Beach17$1.10M——
Grand Panama Beach Resort Panama City Beach16$574,500——
Breakfast Point Panama City Beach15$589,900——
Endless Summer Panama City Beach15$225,000——
Majestic Beach Tower Panama City Beach15$465,500——

What is for sale in Bay County: property types

Another 1458 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 (931) · Manufactured and Mobile Homes for sale in Bay County (61).

What a home in Bay County costs to own

Take the median $362,750 listing with 20% down at today’s 7.40% 30-year rate: principal and interest run about $2,009/month. Bay County’s typical millage of 12.28 puts property tax near $3,839/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 $2,490/month plus any HOA or CDD assessment.

Explore Bay County

Homes for sale by city in Bay County

Bay County guides & data

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

Bay County data pages

Common questions

How many homes are for sale in Bay County, FL?
As of 2026-10-20, Momentum's MLS record shows 994 residential homes actively listed for sale in Bay County and 468 under contract. 180 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 $362,750. Ten percent of listings are under $215K 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 $362,750 home in Bay County cost per month?
Roughly $2,490 a month with 20% down at 7.40%: principal and interest of $2,009, 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 (81), Shores Of Panama (58), Latitude At Watersound (54), Gulf Highlands Beach Resort (45), Calypso Towers (40). 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.
Using these figures? Link to this page as the source so readers can see the live numbers; they refresh from Momentum Realty’s MLS and county data (as of 2026-10-20). Suggested attribution:
<a href="https://movewithmomentum.com/homes-for-sale/bay-county-fl">Homes for Sale in Bay County, FL: Live MLS Listings — Momentum Realty</a>
Press and data requests: jon@movewithmomentum.com · Florida Housing Intelligence

Listings, counts and prices are from Momentum Realty’s MLS record of active residential listings in Bay County as of 2026-10-20 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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