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Panama City, FL
Panama City · FL 32408
Updated June 27, 2026 · Would You Live There?
Good for now
Verdict
$240K
Median Price
…
Walk Score
5/10
Schools
315 min
to Jacksonville
Score Breakdown
CAffordability
63/100
D+Safety
55/100
D+Schools
50/100
B-Quietness
70/100
FCommute
15/100
FWalkability
0/100
WYLT Score42/100
Our Take
Panama City offers affordable housing and a low flood risk, but public transit and walkability are limited. It’s a quiet, family‑friendly spot that works best for those who can drive long distances or work remotely.
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The Good
- ✓Affordability compared to larger Florida markets
- ✓Low flood risk and stable weather
- ✓Quiet suburban environment
- ✓Growing local economy and job opportunities
Real Talk
- !Public transit is virtually nonexistent
- !Walkable amenities and nightlife are limited
- !Commutes to larger employment centers are long
- !School quality averages around middle tier
- $Higher utility bills for heating and cooling
- $Potential HOA fees for condominiums
- $Car maintenance and insurance due to longer commutes
Best For
FamiliesFirst‑time home buyersRemote workersRetirees
Risk Snapshot
Flood riskLow
Violent crimeModerate
Property crimeModerate
Air qualityGood
Price volatilityModerate
Crime & Safety
Panama City, FL
D+
Safety grade
Safety score55 / 100
High riskVery safe
⚠️Violent Crime
Moderate3.9incidents / 1,000 residents / yr
0Natl avg (3.7)11+
5% higher 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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