New Construction Homes in Bay County, FL
351 new-construction homes are listed for sale in Bay County right now, across 79 communities and 4 builders. Most list between $265K to $625K; the median new build is $365,000. Everything on this page is from Momentum’s MLS record as of 2026-10-15 and refreshes as homes list and sell.
Newest new-construction listings in Bay County
The most recently listed new homes in Bay County, with photos. Each card opens the full listing with every photo, the community’s data, and a tour request.
New-home communities in Bay County
Every Bay County community with new construction actively listed, the builder where the listing identifies one, how many homes are available, and the lowest current list price. Community names link to that community’s guide with its sales history and live inventory.
| Community | Builder | New homes | From |
|---|---|---|---|
| Parkbrook | Adams Homes | 28 | $250,900 |
| Liberty | D.R. Horton | 24 | $244,900 |
| Colonial Landing | D.R. Horton | 19 | $290,468 |
| Breakfast Point East | D.R. Horton | 18 | $474,469 |
| Titus Park | D.R. Horton | 18 | $299,900 |
| Hodges Bayou Plantation | D.R. Horton | 17 | $277,050 |
| College Station | Adams Homes | 16 | $336,635 |
| Sunrise At East Bay | Adams Homes | 13 | $267,925 |
| Bayside At Ward Creek | D.R. Horton | 13 | $314,901 |
| Salt Creek At Mexico Beach | Holiday Builders | 9 | $351,990 |
| Salt Grass At Ward Creek | — | 9 | $520,000 |
| Sanctuary Beach | D.R. Horton | 8 | $399,900 |
| Lake Merial | Holiday Builders | 8 | $476,351 |
| Morningside | D.R. Horton | 7 | $254,900 |
| Sweetbay | — | 7 | $394,473 |
| Salt Creek At Mb Townhomes | D.R. Horton | 7 | $249,900 |
| Clear Lake Estates | — | 7 | $276,888 |
| Latitude At Watersound | — | 6 | $374,511 |
| Harvey Heights | Holiday Builders | 6 | $277,990 |
| Burnt Mill Creek | Lennar | 6 | $250,990 |
| Magnolia Ridge | Lennar | 6 | $250,990 |
| Highland City | — | 5 | $269,900 |
| Kings Point | — | 5 | $529,500 |
| Springfield | — | 5 | $129,997 |
| Breakwater At Ward Creek | — | 4 | $554,000 |
Builders building in Bay County right now
Counted by homes currently listed in Momentum’s MLS record, so this reflects who has inventory today rather than who has ever built here.
- D.R. Horton — 113 new homes in Bayside At Ward Creek, Breakfast Point East, Caballeros Estates At Hombre, Colonial Landing and more
- Adams Homes — 46 new homes in College Station, Parkbrook, Sunrise At East Bay
- Holiday Builders — 23 new homes in Harvey Heights, Lake Merial, Salt Creek At Mexico Beach
- Lennar — 12 new homes in Burnt Mill Creek, Magnolia Ridge
New construction in Bay County by city
- Panama City — 197 new homes
- Panama City Beach — 110 new homes
- Mexico Beach — 18 new homes
- Southport — 12 new homes
- Youngstown — 10 new homes
- Lynn Haven — 2 new homes
- Fountain — 2 new homes
New construction in Bay County by price
- Under $300K: 96 homes
- $300K – $400K: 111 homes
- $400K – $500K: 58 homes
- $500K – $750K: 54 homes
- $750K – $1M: 15 homes
- $1M and up: 17 homes
What a new build in Bay County costs to own
Take the median $365,000 new home with 20% down at today’s 7.40% 30-year rate: principal and interest run about $2,022/month. Bay County’s typical millage of 12.28 puts property tax near $3,867/year after the $50,000 homestead exemption — and on a new build there is no seller’s capped bill to be misled by; the first-year bill is on the land alone and the full bill arrives the year after. Citizens’ average premium in Bay County is about $1,928/year; a new roof and current code usually earn a better private quote than that average. Where an HOA is listed the median is $75/month. All in, plan on roughly $2,580/month, plus any CDD assessment — most master-planned communities finance their infrastructure with a district bond that appears on the tax bill for years, and it is the number builders’ sales offices mention last.
How to buy new construction the smart way
The agent in the model home works for the builder. Bringing your own Momentum agent costs you nothing — the builder pays the commission either way — and gets you representation on the contract (builder contracts are one-sided by design), the upgrade pricing, the lender comparison (the builder’s preferred lender incentive is real but not always the best deal), an independent inspection at pre-drywall and at completion, and the walkthrough. Register your agent on your first visit; most builders will not honor representation after that.
Builders rarely cut list price on a to-be-built home, but completed inventory homes at the end of a quarter are a different negotiation: closing-cost credits, rate buydowns, and included upgrades are common, and the cards above show which homes have been sitting.
Explore Bay County
- Bay County real estate: homes, market data and communities
- Bay County property tax guide
- Moving to Bay County: the data guide
- All new-construction builders in Florida
- Search every Bay County community
Common questions
How many new construction homes are for sale in Bay County?
Who is building new homes in Bay County?
What does a new construction home cost in Bay County?
What is the monthly cost of a $365,000 new build in Bay County?
Should I use my own agent to buy new construction?
Do builders negotiate on price?
<a href="https://movewithmomentum.com/new-construction-homes-bay-county">New Homes in Bay County, FL: 351 New Construction Homes from $265K (October 2026) — Momentum Realty</a>Counts, prices and photos are from Momentum Realty’s MLS record of active listings in Bay County communities as of 2026-10-15; a home is counted as new construction when the listing shows it as built this year or later or when a production builder is the listing office. Builder names come from listing data. Estimates are not guarantees. Equal Housing Opportunity.