Momentum Market Pulse™Independent Housing Research
Jon Brooks, Momentum Realty
Jon Brooks
Co-Founder, Momentum Realty · Housing Market Analyst
Computed from Central Panhandle MLS records · jon@movewithmomentum.com
the Central Panhandle · Monthly Report · September 2026

Panama City unchanged prices, unchanged sales.

The median came in at $320,000. Our September report reads the leading indicators, ranks every ZIP on a heat map, and back-tests our Market Score across 20 years — all computed by Momentum directly from Central Panhandle MLS records.

$320,000Median
n/aSame-home / yr
60 daysOn market
n/aSupply
n/aActive listings cut price
34 ▲2Market Score · Moderate buyer advantage · August: 32

Five biggest surprises

  1. New construction was 27% of closings — builders buying demand with incentives.
34out of 100MARKET SCORE▮ August*: 32 ▲ 2

Moderate buyer advantage · Steady

Momentum Market Score: a single 0-100 read of seller vs. buyer advantage (supply, days on market, share sold over list, share of active listings cutting price). Up 2 points from August (32). *August is estimated from that month's closed sales with supply and price-cut inputs held at current readings; from next month, prior scores are the published ones.

Speed 40Over-list 28
Download the September report · free PDF
Median price · 25 years
Median price$318K$326K$334K$342K$320K26-0526-0626-0726-0826-09
Median price · 25 years
ZIP-code heat map
32409 - 40 days32401 - 35 days32446 - 50 days32404 - 72 days32408 - 74 days32456 - 109 days32428 - 48 days32466 - 46 days32407 - 61 days32444 - 48 days32405 - 54 days32413 - 73 days32425 - 43 days32459 - 52 days3240932401324463240432408324563242832466324073244432405324133242532459Faster ← slower to sell (days on market)35d109d+
ZIP-code heat map
20-year Market Score back-test
Market Score192225282326-0526-0626-0726-0826-09
20-year Market Score back-test
MOMENTUM— REALTY —MARKET PULSE™INDEPENDENT HOUSING RESEARCH

September 2026 Market Pulse

Median sold$320,000
Same-homen/a
Days on mkt60
New contractsn/a
Mo. supplyn/a
Sold over list8%
34Moderate buyer advantage · Market Score
Jon Brooks · Co-Founder, Momentum Realty · Panama City · 10 pages
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Read the full September 2026 report

10 pages: the mix-shift explainer, price-band breakdowns, the ZIP heat map, a probability-based 6-month forecast, and the 20-year Market Score back-test — all computed by Momentum from Central Panhandle MLS records.

Download the PDF (10 pages) or open it in your browser → numbers file (JSON) for citation →

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Every market, every month

The same report, computed the same way, for every MLS market Momentum covers in Florida and Georgia — September 2026 editions:

Northeast FloridaNEFAR MLS (realMLS)Central FloridaStellar MLSPalm BeachesBeachesMLSSouth FloridaMIAMI MLS (SEFMLS)Daytona BeachDaytona Beach Area MLSSpace CoastSpace Coast MLSPensacolaPensacola MLSEmerald CoastEmerald Coast MLSSouthwest FloridaFlorida Gulf Coast MLSFlorida KeysFlorida Keys MLSGolden IslesScoutMLS (Golden Isles)GeorgiaGeorgia MLS

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Past reports

This is the first monthly edition for this market.

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