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Panama City Beach, FL
Panama City Beach · FL 32407
Updated October 19, 2026 · Would You Live There?
Good for now
Verdict
$404K
Median Price
35/100
Walk Score
8.5/10
Schools
325 min
to Jacksonville, FL
Score Breakdown
DAffordability
45/100
BSafety
78/100
B+Schools
85/100
DQuietness
40/100
FCommute
15/100
FWalkability
35/100
WYLT Score50/100
Our Take
Panama City Beach is a lively beach town with a mix of retirees, young families, and partygoers. It offers easy access to the beach and plenty of outdoor activities, but you may need a car for daily errands. With a relatively affordable cost of living, Panama City Beach is a charming choice for those who enjoy the beach lifestyle. However, be aware that this area is prone to flooding, which may impact home insurance and value.
B.
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The Good
- ✓Direct access to the beach and ocean activities
- ✓A wide range of outdoor recreational opportunities
- ✓Relatively affordable cost of living compared to other beach towns
- ✓A variety of dining and nightlife options
Real Talk
- !Flooding is a significant concern in Panama City Beach, particularly in high-risk areas like the AE flood zone
- !Home values may be affected by flooding, so be sure to factor this into your decision
- !Traffic and parking can be a challenge during peak season
- !Be prepared for crowds and potential noise disturbances during peak tourist season
- $Flood insurance may be required, which can add to your annual expenses
- $Beach erosion and property damage may impact home values or maintenance costs
- $Storm surges and flooding can disrupt daily life and impact your quality of life
Best For
Beach lovers and outdoor enthusiastsYoung families and retireesThose who value affordability and a relaxed lifestyle
Risk Snapshot
Flood riskHigh
Violent crimeLow
Property crimeModerate
Air qualityGood
Price volatilityModerate
Crime & Safety
Panama City Beach, FL
B
Safety grade
Safety score78 / 100
High riskVery safe
⚠️Violent Crime
Low1.6incidents / 1,000 residents / yr
0Natl avg (3.7)11+
57% safer than the national average
🔒Property Crime
Moderate19.8incidents / 1,000 residents / yr
0Natl avg (19.5)59+
2% higher than the national average
Verify with real-time data
City-Data stats →From Residents
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