Florida / Bay County
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Bay County
County, Florida. Population 199,950 (2025), +2.0% on the prior year, +14.1% since 2020 Last updated 2026-10-04.
Click a city to open its page. Filled shapes are cities, towns and villages; hatched shapes are census designated places with a spending estimate. Boundaries: US Census Bureau TIGER/Line, simplified for drawing.
Cities
Every city, town and village in Bay County, with its latest BEBR population. A place in two counties is listed in both and its page sits under its principal county.
- Callaway City15,157 2025
- Lynn Haven City21,733 2025
- Mexico Beach City1,402 2025
- Panama City City38,078 2025
- Panama City Beach City19,581 2025
- Parker City4,608 2025
- Springfield City9,213 2025
Census designated places with a spending estimate
Population
2025Population199,9501972199.9k high2025
Change since the prior year+2.0%2024 to 2025
Change since 2020+14.1%2020 to 2025
Census 2020175,2162020
University of Florida Bureau of Economic and Business Research, Florida Estimates of Population, retrieved 2026-10-01 | Population estimates
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Basis of the latest figureestimate2025
Population by year
April 1 of each year. Basis is census in a census year, otherwise BEBR's estimate.
| Year | Population | Basis | Change |
|---|---|---|---|
| 2025 | 199,950 | estimate | +2.0% |
| 2024 | 196,112 | estimate | +4.6% |
| 2023 | 187,545 | estimate | +1.9% |
| 2022 | 184,002 | estimate | +3.2% |
| 2021 | 178,282 | estimate | +1.7% |
| 2020 | 175,216 | census | +4.7% |
| 2019 | 167,283 | estimate | -7.7% |
| 2018 | 181,199 | estimate | +1.3% |
| 2017 | 178,820 | estimate | +1.6% |
| 2016 | 176,016 | estimate | +1.6% |
| 2015 | 173,310 | estimate | +1.5% |
| 2014 | 170,781 | estimate | +0.5% |
| 2013 | 169,866 | estimate | +0.3% |
| 2012 | 169,392 | estimate | +0.1% |
| 2011 | 169,278 | estimate | +0.3% |
| 2010 | 168,852 | census | -0.4% |
| 2009 | 169,562 | estimate | +0.2% |
| 2008 | 169,307 | estimate | +1.0% |
| 2007 | 167,631 | estimate | +1.3% |
| 2006 | 165,515 | estimate | +2.3% |
| 2005 | 161,721 | estimate | +2.1% |
| 2004 | 158,437 | estimate | +2.3% |
| 2003 | 154,827 | estimate | +1.7% |
| 2002 | 152,186 | estimate | +1.3% |
| 2001 | 150,287 | estimate | +1.4% |
| 2000 | 148,217 | census | -1.3% |
| 1999 | 150,119 | estimate | +1.8% |
| 1998 | 147,496 | estimate | +2.0% |
| 1997 | 144,584 | estimate | +1.7% |
| 1996 | 142,159 | estimate | +2.1% |
| 1995 | 139,173 | estimate | +2.1% |
| 1994 | 136,289 | estimate | +1.7% |
| 1993 | 134,059 | estimate | +2.1% |
| 1992 | 131,347 | estimate | +2.2% |
| 1991 | 128,575 | estimate | +1.2% |
| 1990 | 126,994 | census | -6.4% |
| 1989 | 135,708 | estimate | +2.0% |
| 1988 | 133,084 | estimate | +2.6% |
| 1987 | 129,679 | estimate | +3.4% |
| 1986 | 125,391 | estimate | +4.9% |
| 1985 | 119,503 | estimate | +5.8% |
| 1984 | 112,949 | estimate | +4.9% |
| 1983 | 107,633 | estimate | +3.0% |
| 1982 | 104,477 | estimate | +4.3% |
| 1981 | 100,178 | estimate | +2.5% |
| 1980 | 97,740 | census | +0.3% |
| 1979 | 97,479 | estimate | +1.0% |
| 1978 | 96,525 | estimate | +1.2% |
| 1977 | 95,405 | estimate | +2.7% |
| 1976 | 92,884 | estimate | +1.4% |
| 1975 | 91,606 | estimate | +1.6% |
| 1974 | 90,150 | estimate | +6.9% |
| 1973 | 84,329 | estimate | +4.5% |
| 1972 | 80,697 | estimate | n/a |
Labor force
Aug 2026Unemployment rate4.4%Aug 201612.5% highAug 2026
Labor force95,375Aug 2026
Employment91,158Aug 2026
Unemployed4,217Aug 2026
Rate a year earlier4.2%Aug 2025
Labor force, change on a year earlier+1.0%Aug 2026
US Bureau of Labor Statistics, Local Area Unemployment Statistics, retrieved 2026-10-01 | Labor force page
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Latest month is preliminaryyesAug 2026
Monthly, last three years
Not seasonally adjusted. The latest month may be preliminary.
| Month | Labor force | Employed | Unemployed | Rate |
|---|---|---|---|---|
| Aug 2026 | 95,375 | 91,158 | 4,217 | 4.4% |
| Jul 2026 | 94,724 | 90,411 | 4,313 | 4.6% |
| Jun 2026 | 95,607 | 91,330 | 4,277 | 4.5% |
| May 2026 | 94,531 | 90,372 | 4,159 | 4.4% |
| Apr 2026 | 94,242 | 89,904 | 4,338 | 4.6% |
| Mar 2026 | 93,663 | 89,407 | 4,256 | 4.5% |
| Feb 2026 | 92,842 | 88,135 | 4,707 | 5.1% |
| Jan 2026 | 92,192 | 87,160 | 5,032 | 5.5% |
| Dec 2025 | 92,224 | 87,798 | 4,426 | 4.8% |
| Nov 2025 | 92,352 | 87,686 | 4,666 | 5.1% |
| Sep 2025 | 93,934 | 90,059 | 3,875 | 4.1% |
| Aug 2025 | 94,454 | 90,508 | 3,946 | 4.2% |
| Jul 2025 | 94,648 | 90,836 | 3,812 | 4.0% |
| Jun 2025 | 95,091 | 91,483 | 3,608 | 3.8% |
| May 2025 | 94,209 | 91,014 | 3,195 | 3.4% |
| Apr 2025 | 94,038 | 90,954 | 3,084 | 3.3% |
| Mar 2025 | 93,676 | 90,507 | 3,169 | 3.4% |
| Feb 2025 | 91,951 | 88,612 | 3,339 | 3.6% |
| Jan 2025 | 91,846 | 88,287 | 3,559 | 3.9% |
| Dec 2024 | 91,887 | 88,881 | 3,006 | 3.3% |
| Nov 2024 | 92,722 | 89,461 | 3,261 | 3.5% |
| Oct 2024 | 94,039 | 90,919 | 3,120 | 3.3% |
| Sep 2024 | 93,257 | 90,104 | 3,153 | 3.4% |
| Aug 2024 | 94,340 | 90,985 | 3,355 | 3.6% |
| Jul 2024 | 94,823 | 91,398 | 3,425 | 3.6% |
| Jun 2024 | 94,705 | 91,445 | 3,260 | 3.4% |
| May 2024 | 93,249 | 90,477 | 2,772 | 3.0% |
| Apr 2024 | 92,392 | 89,785 | 2,607 | 2.8% |
| Mar 2024 | 92,221 | 89,414 | 2,807 | 3.0% |
| Feb 2024 | 90,286 | 87,321 | 2,965 | 3.3% |
| Jan 2024 | 89,541 | 86,289 | 3,252 | 3.6% |
| Dec 2023 | 89,573 | 86,797 | 2,776 | 3.1% |
| Nov 2023 | 90,438 | 87,664 | 2,774 | 3.1% |
| Oct 2023 | 92,011 | 89,153 | 2,858 | 3.1% |
| Sep 2023 | 92,644 | 89,822 | 2,822 | 3.0% |
| Aug 2023 | 93,472 | 90,565 | 2,907 | 3.1% |
Annual averages
| Year | Labor force | Employed | Unemployed | Rate |
|---|---|---|---|---|
| 2025 | 93,493 | 89,795 | 3,698 | 4.0% |
| 2024 | 92,789 | 89,707 | 3,082 | 3.3% |
| 2023 | 90,956 | 88,334 | 2,622 | 2.9% |
| 2022 | 88,220 | 85,701 | 2,519 | 2.9% |
| 2021 | 86,137 | 82,641 | 3,496 | 4.1% |
| 2020 | 82,743 | 77,568 | 5,175 | 6.3% |
| 2019 | 84,990 | 81,764 | 3,226 | 3.8% |
| 2018 | 89,295 | 85,639 | 3,656 | 4.1% |
| 2017 | 89,401 | 85,674 | 3,727 | 4.2% |
| 2016 | 89,600 | 85,338 | 4,262 | 4.8% |
| 2015 | 87,452 | 82,617 | 4,835 | 5.5% |
| 2014 | 87,057 | 81,313 | 5,744 | 6.6% |
| 2013 | 85,924 | 79,367 | 6,557 | 7.6% |
| 2012 | 86,037 | 78,324 | 7,713 | 9.0% |
| 2011 | 86,965 | 77,924 | 9,041 | 10.4% |
Tourist tax
May 2026Collections, latest month$4.42MOct 2017$8.82M highMay 2026
Change on the same month a year earlier-1.3%May 2026
Last 12 months$39.8MMay 2026
Fiscal year to date$17.7MFY2026 to May 2026
Bay County Clerk of Court and Comptroller, monthly Tourist Development Tax report (Cash/Accrual Breakdown), retrieved 2026-09-30 | Bay County sales and visitor spending
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Monthly collections, last three years
| Month | Collections | Change |
|---|---|---|
| May 2026 | $4.42M | -1.3% |
| Apr 2026 | $3.48M | +14.4% |
| Mar 2026 | $2.96M | -3.4% |
| Feb 2026 | $1.26M | -0.6% |
| Jan 2026 | $936K | -0.5% |
| Dec 2025 | $903K | +2.5% |
| Nov 2025 | $1M | -0.1% |
| Oct 2025 | $2.71M | +7.3% |
| Sep 2025 | $2.43M | -5.3% |
| Aug 2025 | $3.67M | +0.2% |
| Jul 2025 | $8.29M | +2.6% |
| Jun 2025 | $7.7M | -2.7% |
| May 2025 | $4.48M | +1.1% |
| Apr 2025 | $3.04M | +3.5% |
| Mar 2025 | $3.07M | -6.0% |
| Feb 2025 | $1.27M | -7.2% |
| Jan 2025 | $940K | -2.3% |
| Dec 2024 | $881K | -19.8% |
| Nov 2024 | $1M | -7.4% |
| Oct 2024 | $2.52M | +0.7% |
| Sep 2024 | $2.56M | -7.5% |
| Aug 2024 | $3.66M | +7.5% |
| Jul 2024 | $8.08M | -3.5% |
| Jun 2024 | $7.91M | +9.8% |
| May 2024 | $4.43M | +7.7% |
| Apr 2024 | $2.94M | -11.4% |
| Mar 2024 | $3.26M | +6.4% |
| Feb 2024 | $1.37M | -2.5% |
| Jan 2024 | $963K | -7.2% |
| Dec 2023 | $1.1M | +3.6% |
| Nov 2023 | $1.08M | +2.1% |
| Oct 2023 | $2.5M | -7.1% |
| Sep 2023 | $2.77M | +1.5% |
| Aug 2023 | $3.4M | -8.7% |
| Jul 2023 | $8.37M | -5.1% |
| Jun 2023 | $7.2M | +1.0% |
Business base
Aug 2026Licensed food service, lodging and alcohol businesses5,828Sep 201692 highAug 2026
Food service licenses875Aug 2026
Lodging licenses4,212Aug 2026
Alcoholic beverage licenses741Aug 2026
New licenses, last 12 months185Aug 2026
New business filings, last 12 months4,891Sep 2026
Change on the 12 months before+12.0%Sep 2026
New filings, latest month299Sep 2026
County Business Patterns and ZIP Code Business Patterns, complete data files, retrieved 2026-10-01; Florida DBPR active licensure base files: public food service, public lodging and retail alcoholic beverage licenses, retrieved 2026-10-01; Florida Division of Corporations (Sunbiz) bulk corporate data files, new entity filings by month, retrieved 2026-10-01 | Licenses Business formations Business patterns
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Establishments5,3062023
Employees, mid March62,2822023
Annual payroll$2.99B2023
Establishments, change on the year before+2.8%2023
Licenses by type
Counted licenses in DBPR's food service, lodging and alcoholic beverage files, placed by geocoded address.
| License type | File | Active |
|---|---|---|
| 2006-CNDO-SNGL | lodging | 1,835 |
| 2007-DWEL-SNGL | lodging | 1,285 |
| 2010-SEAT | food | 620 |
| 2006-CNDO-CLCT | lodging | 345 |
| 2APS | alcohol | 253 |
| 2006-CNDO-GRP | lodging | 212 |
| 2007-DWEL-CLCT | lodging | 201 |
| 2COP | alcohol | 182 |
| 2003-NAPT | lodging | 176 |
| 4COP-SFS | alcohol | 174 |
| 2014-MFDV | food | 138 |
| 2010-NOST | food | 77 |
| 2002-MOTL | lodging | 76 |
| 2001-HOTL | lodging | 43 |
| 4COP | alcohol | 37 |
| 2007-DWEL-GRP | lodging | 37 |
| 4COP-S | alcohol | 31 |
| 2013-CATR | food | 31 |
| 3PS | alcohol | 20 |
| 11C | alcohol | 17 |
| 13CT | alcohol | 5 |
| 1APS | alcohol | 5 |
| 2015-VEND | food | 5 |
| 1COP | alcohol | 4 |
| 4COP-SPX | alcohol | 4 |
| 2014-HTDG | food | 4 |
| 11CG | alcohol | 2 |
| 2COP-SFS | alcohol | 2 |
| 4COP-SBX | alcohol | 2 |
| 2003-TAPT | lodging | 2 |
| 2COP-SA | alcohol | 1 |
| 4COP-SAL | alcohol | 1 |
| 4COP-SR | alcohol | 1 |
Filings by entity type, last 12 months
Sunbiz new entity filings by the ZIP code of the principal address, grouped to the USPS postal city
| Entity type | Last 12 months | 12 months before |
|---|---|---|
| Florida limited liability companies | 4,474 | 3,966 |
| Florida profit corporations | 215 | 222 |
| Florida non-profit corporations | 139 | 140 |
| Out of state entities registering in Florida | 55 | 35 |
| Partnerships, trusts and other filings | 8 | 3 |
By sector, 2023
County Business Patterns, NAICS sectors. Employment and payroll withheld by the Bureau show blank.
| Sector | Establishments | Employees | Annual payroll |
|---|---|---|---|
| NAICS 44 Retail Trade | 821 | 11,572 | $431M |
| NAICS 23 Construction | 698 | 5,193 | $301M |
| NAICS 62 Health Care and Social Assistance | 585 | 8,860 | $551M |
| NAICS 72 Accommodation and Food Services | 571 | 12,081 | $365M |
| NAICS 54 Professional, Scientific, and Technical Services | 512 | 3,643 | $252M |
| NAICS 81 Other Services (except Public Administration) | 432 | 2,638 | $92.2M |
| NAICS 53 Real Estate and Rental and Leasing | 422 | 1,598 | $75.6M |
| NAICS 56 Administrative and Support and Waste Management and Remediation Services | 339 | 4,580 | $168M |
| NAICS 52 Finance and Insurance | 245 | 1,608 | $130M |
| NAICS 42 Wholesale Trade | 180 | 2,024 | $136M |
| NAICS 48 Transportation and Warehousing | 133 | 1,684 | $88.4M |
| NAICS 31 Manufacturing | 113 | 3,869 | $240M |
| NAICS 71 Arts, Entertainment, and Recreation | 86 | 1,040 | $32.3M |
| NAICS 51 Information | 78 | 676 | $43.8M |
| NAICS 61 Educational Services | 38 | 453 | $14.2M |
| NAICS 55 Management of Companies and Enterprises | 17 | 206 | $20.6M |
| NAICS 11 Agriculture, Forestry, Fishing and Hunting | 15 | 71 | $3.44M |
| NAICS 22 Utilities | 15 | 417 | $44.3M |
| NAICS 99 Industries not classified | 4 | 9 | $61K |
Building permits
Aug 2026Housing units permitted, last 12 months1,902Sep 2016619 highAug 2026
Change on the 12 months before-11.2%Aug 2026
Permit valuation, last 12 months$660MAug 2026
Units, latest month182Aug 2026
Single family units, last 12 months1,632Aug 2026
Units in buildings of 5 or more, last 12 months239Aug 2026
Units, latest annual table2,0722025
US Census Bureau, Building Permits Survey, place and county residential permits, retrieved 2026-10-01 | Building permits
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Monthly, last three years
Residential permits as the Bureau publishes them; imputed months are the Bureau's imputations.
| Month | Units | 1 unit | 5 or more | Valuation |
|---|---|---|---|---|
| Aug 2026 | 182 | 150 | 25 | $62.4M |
| Jul 2026 | 176 | 143 | 31 | $59.3M |
| Jun 2026 | 169 | 147 | 22 | $58.9M |
| May 2026 | 164 | 144 | 18 | $56.9M |
| Apr 2026 | 172 | 157 | 8 | $64.1M |
| Mar 2026 | 163 | 150 | 13 | $57.8M |
| Feb 2026 | 147 | 127 | 20 | $49.8M |
| Jan 2026 | 142 | 129 | 13 | $53.7M |
| Dec 2025 | 137 | 111 | 26 | $45.1M |
| Nov 2025 | 124 | 104 | 18 | $43.4M |
| Oct 2025 | 172 | 144 | 24 | $57M |
| Sep 2025 | 154 | 126 | 21 | $51.1M |
| Aug 2025 | 150 | 130 | 20 | $49.9M |
| Jul 2025 | 182 | 152 | 25 | $57.7M |
| Jun 2025 | 221 | 172 | 47 | $72.1M |
| May 2025 | 205 | 166 | 26 | $65.9M |
| Apr 2025 | 168 | 152 | 14 | $57.2M |
| Mar 2025 | 179 | 143 | 34 | $57M |
| Feb 2025 | 172 | 133 | 35 | $55.4M |
| Jan 2025 | 190 | 134 | 54 | $58.6M |
| Dec 2024 | 180 | 128 | 49 | $56.3M |
| Nov 2024 | 146 | 118 | 26 | $46.5M |
| Oct 2024 | 186 | 151 | 33 | $62.6M |
| Sep 2024 | 164 | 130 | 32 | $54M |
| Aug 2024 | 209 | 158 | 49 | $67.5M |
| Jul 2024 | 446 | 168 | 275 | $106M |
| Jun 2024 | 152 | 141 | 8 | $53M |
| May 2024 | 196 | 174 | 22 | $67.5M |
| Apr 2024 | 207 | 189 | 15 | $71.1M |
| Mar 2024 | 214 | 177 | 35 | $74.8M |
| Feb 2024 | 203 | 191 | 10 | $66M |
| Jan 2024 | 170 | 161 | 5 | $59.7M |
| Dec 2023 | 139 | 130 | 6 | $48.7M |
| Nov 2023 | 153 | 140 | 5 | $51.8M |
| Oct 2023 | 168 | 157 | 6 | $58.6M |
| Sep 2023 | 158 | 151 | 5 | $55.8M |
Annual table
| Year | Units | 1 unit | 5 or more | Valuation |
|---|---|---|---|---|
| 2025 | 2,072 | 1,685 | 344 | $677M |
| 2024 | 2,473 | 1,886 | 559 | $785M |
| 2023 | 2,322 | 1,814 | 477 | $740M |
| 2022 | 2,288 | 2,104 | 159 | $804M |
| 2021 | 2,610 | 1,520 | 1,065 | $683M |
| 2020 | 2,846 | 1,311 | 1,499 | $474M |
| 2019 | 1,795 | 1,274 | 511 | $382M |
| 2018 | 1,520 | 958 | 451 | $334M |
| 2017 | 1,654 | 854 | 747 | $305M |
| 2016 | 898 | 776 | 92 | $217M |
| 2015 | 884 | 706 | 168 | $223M |
| 2014 | 601 | 599 | 0 | $125M |
| 2013 | 592 | 488 | 86 | $90.2M |
| 2012 | 440 | 400 | 38 | $60.7M |
| 2011 | 343 | 268 | 39 | $42M |
Property roll
2026 preliminaryTotal just value$44.2B
Total taxable value (non school)$31.5B2026 preliminary
Total taxable value (school)$34.2B2026 preliminary
Just value, change on the prior roll+3.8%2025 final roll to 2026 preliminary
Taxable value (non school), change on the prior roll+6.0%2025 final roll to 2026 preliminary
Total just value, prior roll$42.6B2025 final roll
New construction value$952M2026 preliminary
Parcels131,0602026 preliminary
Florida Department of Revenue, NAL tax roll (name, address, legal), 2026 preliminary and final as posted, retrieved 2026-10-03
Parcels are placed by Census block group through the Census Bureau's block assignment file; a parcel in a block group that straddles the limits is apportioned. Census 2020 block groups; 73% of the county's just value lies in a place. Medians are over the parcels whose block group lies mostly in the place. Qualified sales: the roll's own sale fields, qualification codes 01 and 02, improved, single parcel.
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Median single family just value$264K2026 preliminary
Qualified sales, last 12 months6,014Jun 2025 to May 2026
Median qualified sale price$356KJun 2025 to May 2026
Just value, residential$32.4B2026 preliminary
Just value, commercial$3.33B2026 preliminary
Just value, industrial$828M2026 preliminary
Just value, agricultural$431M2026 preliminary
Just value, vacant$2.5B2026 preliminary
Just value, institutional$397M2026 preliminary
Just value, government$4.06B2026 preliminary
Just value, other$234M2026 preliminary
Just value by use group
Department of Revenue land use codes grouped: residential 001 to 009, commercial 011 to 039, industrial 041 to 049, agricultural 050 to 069, vacant 000, 010, 040 and 070, institutional 071 to 079, government 080 to 089, other 090 to 099. Taxable is the non school taxable value. Just value change compares with the 2025 final roll, summed the same way.
| Use group | Parcels | Just value | Taxable (non school) | New construction | Residential units | Just value change |
|---|---|---|---|---|---|---|
| Residential | 99,248 | $32.4B | $25B | $852M | 117,473 | +4.2% |
| Commercial | 3,415 | $3.33B | $3.13B | $65.1M | n/a | +5.3% |
| Industrial | 841 | $828M | $776M | $10.6M | n/a | +4.1% |
| Agricultural | 1,127 | $431M | $62.6M | $223K | n/a | -3.8% |
| Vacant | 23,292 | $2.5B | $2.12B | $1.15M | n/a | +4.4% |
| Institutional | 427 | $397M | $156M | $3.15M | n/a | -0.6% |
| Government | 2,079 | $4.06B | $3.78M | $19.2M | n/a | +0.7% |
| Other | 631 | $234M | $214M | $516K | n/a | +2.0% |
Housing
2020 to 2024 ACSHousing units112,997199069.0% high2024
Occupied units85,0932020 to 2024 ACS
Vacant units27,9042020 to 2024 ACS
Owner occupied households55,8102024 1-Year
Renter occupied households29,2832024 1-Year
Homeownership rate65.6%2020 to 2024 ACS
Cost burdened households, all tenures (over 30% of income)30.9%2025
Cost burdened renter households50.7%2025
Shimberg Center for Housing Studies, Florida Housing Data Clearinghouse, retrieved 2026-10-01 | Housing data
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Severely cost burdened renters (over 50%)21.6%2025
Assisted housing developments38Assisted Housing Inventory
Assisted units3,426Assisted Housing Inventory
Median gross rent$1.56K2020 to 2024 ACS
Median single family sale price$370K2024
Cost burden by income, 2025
Households by the share of income spent on housing, Shimberg Center estimates for 2025.
| Tenure | Income (share of area median) | 30% or less | 30.1 to 50% | Over 50% |
|---|---|---|---|---|
| All households | 30% AMI or less | 1,002 | 1,451 | 4,635 |
| All households | 30.01-50% AMI | 2,639 | 2,411 | 2,901 |
| All households | 50.01-80% AMI | 6,258 | 4,893 | 1,685 |
| All households | 80.01-120% AMI | 7,040 | 3,380 | 402 |
| All households | Greater than 120% AMI | 39,038 | 2,891 | 412 |
| Renters | 30% AMI or less | 357 | 344 | 2,747 |
| Renters | 30.01-50% AMI | 407 | 1,501 | 1,681 |
| Renters | 50.01-80% AMI | 1,667 | 2,836 | 915 |
| Renters | 80.01-120% AMI | 2,263 | 1,719 | 86 |
| Renters | Greater than 120% AMI | 7,978 | 1,100 | 117 |
| Owners | 30% AMI or less | 645 | 1,107 | 1,888 |
| Owners | 30.01-50% AMI | 2,232 | 910 | 1,220 |
| Owners | 50.01-80% AMI | 4,591 | 2,057 | 770 |
| Owners | 80.01-120% AMI | 4,777 | 1,661 | 316 |
| Owners | Greater than 120% AMI | 31,060 | 1,791 | 295 |
Single family sales by year
| Year | Median price | Sales |
|---|---|---|
| 1990 | $60.5K | 1,197 |
| 1991 | $62.5K | 1,314 |
| 1992 | $66K | 1,779 |
| 1993 | $71K | 2,038 |
| 1994 | $71.2K | 2,066 |
| 1995 | $75K | 2,151 |
| 1996 | $79.9K | 2,473 |
| 1997 | $85K | 2,454 |
| 1998 | $89K | 2,585 |
| 1999 | $94K | 2,713 |
| 2000 | $100K | 2,629 |
| 2001 | $110K | 2,848 |
| 2002 | $118K | 3,160 |
| 2003 | $137K | 3,801 |
| 2004 | $162K | 4,539 |
| 2005 | $205K | 4,171 |
| 2006 | $212K | 2,666 |
| 2007 | $205K | 2,279 |
| 2008 | $195K | 1,551 |
| 2009 | $175K | 1,395 |
Assisted housing developments
Shimberg Center Assisted Housing Inventory.
| Development | Address | City | Units | Assisted |
|---|---|---|---|---|
| St. Andrews Towers | 24 HARRISON AVE | Bay-Unincorporated | 216 | 216 |
| Dickinson, Kirkland, Oakland Gardens | 1025 Everitt Ave | Panama City | 203 | 193 |
| Andrews Place | 1914 Frankford Avenue | Panama City | 200 | 200 |
| Reserve At Northshore | 2101 W Highway 390 | Lynn Haven | 200 | 40 |
| Stone Harbor | 501 Alf Coleman Road | Panama City Beach | 160 | 160 |
| Siena Gardens | 901 W 19th Street | Panama City | 150 | 150 |
| Sovereign at North Bay | 1800 Florida Avenue | Panama City | 144 | 144 |
| Arbors | 261 W 15th Street | Panama City | 138 | 138 |
| Pinnacle at Hammock Place | 3909 Minnesota Avenue | Lynn Haven | 132 | 132 |
| Andrews Place II | 1914 Frankford Avenue | Panama City | 120 | 120 |
| Park at Massalina | 1450 N Palo Alto Avenue | Panama City | 120 | 120 |
| Sand Dunes Apartments | 8011 Front Beach Road | Bay-Unincorporated | 104 | 104 |
| Bridge Plaza | 6919 Front Beach Road | Bay-Unincorporated | 102 | 102 |
| Macedonia Gardens | 1722 W 17TH ST | Panama City | 100 | 100 |
| Foxwood Apartments | 1701 Hamilton Avenue | Panama City | 100 | 100 |
| Pinnacle at Hammock Square | 2206 Hammock Square Drive | Lynn Haven | 100 | 100 |
| Fletcher Black | 875 W 11th Street | Panama City | 100 | 100 |
| Edgewood Garden Apartments | 3325 W 23rd Street | Panama City | 94 | 94 |
| Panama Commons | 1001 Sherman Avenue | Panama City | 92 | 92 |
| Pinnacle at Hammock Crossings | 2216 Hammock Square Drive | Lynn Haven | 92 | 92 |
| Royal Arms Garden Apartments | 1420 BALBOA AVE | Panama City | 88 | 80 |
| Enclave at Northshore | Highway 390 and Maine Avenue | Lynn Haven | 86 | 86 |
| Tranquility at Saint Andrews | Saint Andrews Boulevard and Airport Road | Bay-Unincorporated | 84 | 82 |
| Pelican Pointe | 10320 Clarence Street | Panama City | 78 | 78 |
| Pana Villa Garden Apartments | 1802 Flower Avenue | Panama City | 72 | 72 |
| Fletcher Black II | 875 W 11th Street | Panama City | 64 | 64 |
| Springfield Crossings | 3818 8th Street E | Panama City | 60 | 60 |
| Stone Harbor II | 501 Alf Coleman Road | Panama City Beach | 56 | 56 |
| Hilltop Pointe | 4514 Hilltop Lane | Panama City | 50 | 50 |
| Southview Estates | 739 Detroit Avenue | Springfield | 50 | 50 |
| Tupelo Park | 609 Fernwood Street | Panama City | 47 | 47 |
| Asbell, Fletcher Black, Massalina | 2051 Lisenby Ave | Panama City | 47 | 47 |
| Gibb Gulf Coast Village | 6200 N LAGOON DR | Bay-Unincorporated | 40 | 39 |
| Champion/johnson Memorial | 739 Sanders Ln | Panama City | 40 | 40 |
| Gatewood Apartments | 7100 NOEL ROAD | Bay-Unincorporated | 37 | 37 |
| Independence Village | 910 Harrison Street | Panama City | 24 | 24 |
| Gibb Springfield Village | 3301-3407 E 4th St | Springfield | 12 | 11 |
| Bay House | 1700 Alabama Avenue | Lynn Haven | 6 | 6 |
Fiscal
Sep 2026Half-cent sales tax, latest month$2.19MOct 2016$2.28M highSep 2026
Half-cent sales tax, fiscal year to date$19.4MFY2026 to Sep 2026
Half-cent sales tax, last 12 months$19.4MSep 2026
Half-cent sales tax, change on the 12 months before-2.2%Sep 2026
State revenue sharing, latest month$540KSep 2026
State revenue sharing, fiscal year to date$6.42MFY2026 to Sep 2026
State revenue sharing, last 12 months$6.42MSep 2026
State revenue sharing, change on the 12 months before+5.9%Sep 2026
Florida Office of Economic and Demographic Research, Expenditures and Revenues Reported by Florida's County and Municipal Governments, retrieved 2026-10-01; Florida Department of Revenue, Revenue Confirmation Online, distributions to local governments, retrieved 2026-10-01; Florida Department of Financial Services, LOGERx local government Annual Financial Report data, long-term debt outstanding, retrieved 2026-10-04 | Distributions Annual financial report
More
Total revenues$1.1BFY2024
Revenues, change on the year before+13.3%FY2024
Total expenditures$1.1BFY2024
Expenditures, change on the year before+16.6%FY2024
Revenues per resident$5.62KFY2024
Long-term debt outstanding at year end$257MFY2024
Long-term debt, change on the year before+10.3%FY2024
Half-cent sales tax, monthly distributions
As the Department of Revenue's ledger prints them; a blank month is a month with no line.
| Month | Distributed |
|---|---|
| Sep 2026 | $2.19M |
| Aug 2026 | $2.22M |
| Jul 2026 | $1.83M |
| Jun 2026 | $1.72M |
| May 2026 | $1.85M |
| Apr 2026 | $1.38M |
| Mar 2026 | $1.22M |
| Feb 2026 | $1.29M |
| Jan 2026 | $1.21M |
| Dec 2025 | $1.46M |
| Nov 2025 | $1.53M |
| Oct 2025 | $1.53M |
| Sep 2025 | $2.24M |
| Aug 2025 | $2.28M |
| Jul 2025 | $1.89M |
| Jun 2025 | $1.83M |
| May 2025 | $1.77M |
| Apr 2025 | $1.41M |
| Mar 2025 | $1.18M |
| Feb 2025 | $1.37M |
| Jan 2025 | $1.29M |
| Dec 2024 | $1.5M |
| Nov 2024 | $1.44M |
| Oct 2024 | $1.68M |
| Sep 2024 | $2.08M |
| Aug 2024 | $2.24M |
| Jul 2024 | $1.89M |
| Jun 2024 | $1.73M |
| May 2024 | $1.81M |
| Apr 2024 | $1.47M |
| Mar 2024 | $1.28M |
| Feb 2024 | $1.39M |
| Jan 2024 | $1.3M |
| Dec 2023 | $1.54M |
| Nov 2023 | $1.59M |
| Oct 2023 | $1.68M |
State revenue sharing, monthly distributions
As the Department of Revenue's ledger prints them; a blank month is a month with no line.
| Month | Distributed |
|---|---|
| Sep 2026 | $540K |
| Aug 2026 | $540K |
| Jul 2026 | $540K |
| Jun 2026 | $524K |
| May 2026 | $524K |
| Apr 2026 | $524K |
| Mar 2026 | $524K |
| Feb 2026 | $524K |
| Jan 2026 | $524K |
| Dec 2025 | $553K |
| Nov 2025 | $553K |
| Oct 2025 | $553K |
| Sep 2025 | $569K |
| Aug 2025 | $569K |
| Jul 2025 | $569K |
| Jun 2025 | $473K |
| May 2025 | $473K |
| Apr 2025 | $473K |
| Mar 2025 | $473K |
| Feb 2025 | $473K |
| Jan 2025 | $473K |
| Dec 2024 | $473K |
| Nov 2024 | $521K |
| Oct 2024 | $521K |
| Sep 2024 | $521K |
| Aug 2024 | $521K |
| Jul 2024 | $521K |
| Jun 2024 | $532K |
| May 2024 | $532K |
| Apr 2024 | $532K |
| Mar 2024 | $532K |
| Feb 2024 | $532K |
| Jan 2024 | $532K |
| Dec 2023 | $532K |
| Nov 2023 | $532K |
| Oct 2023 | $532K |
Long-term debt by fiscal year
Total long-term debt outstanding at fiscal year end, all funds, as the government reported it to the Department of Financial Services in its Annual Financial Report.
| Fiscal year | Debt outstanding | Change |
|---|---|---|
| FY2024 | $257M | +10.3% |
| FY2023 | $233M | -32.9% |
| FY2022 | $348M | -2.1% |
| FY2021 | $355M | +6.6% |
| FY2020 | $333M | -12.3% |
| FY2019 | $380M | +87.1% |
| FY2018 | $203M | +15.8% |
| FY2017 | $175M | -6.3% |
| FY2016 | $187M | -3.8% |
| FY2015 | $194M | -2.9% |
| FY2014 | $200M | +1.4% |
| FY2013 | $197M | n/a |
Revenues by category, FY2024
Sum of the fund columns in EDR's workbook for this government.
| Category | FY2024 | FY2023 | Change |
|---|---|---|---|
| General Government Taxes | $222M | $176M | +26.1% |
| Permits, Fees, and Special Assessments | $20.4M | $25M | -18.2% |
| Intergovernmental Revenues | $104M | $110M | -5.7% |
| Charges for Services | $123M | $117M | +5.8% |
| Judgments, Fines, and Forfeits | $2.91M | $2.94M | -1.0% |
| Miscellaneous Revenues | $544M | $469M | +15.9% |
| Other Sources | $85.5M | $72.6M | +17.7% |
| Taxes | n/a | n/a | n/a |
| Intergovernmental Revenue | n/a | n/a | n/a |
| Permits and Franchise Fees | n/a | n/a | n/a |
| Franchise Fees, Licenses, and Permits | n/a | n/a | n/a |
| Permits, Fees, and Licenses | n/a | n/a | n/a |
Expenditures by category, FY2024
Sum of the fund columns in EDR's workbook for this government.
| Category | FY2024 | FY2023 | Change |
|---|---|---|---|
| General Government Services (Not Court-Related) | $576M | $437M | +31.8% |
| Public Safety | $133M | $122M | +9.0% |
| Physical Environment | $60.5M | $71.8M | -15.8% |
| Transportation | $79.3M | $71.8M | +10.4% |
| Economic Environment | $91.1M | $89.9M | +1.3% |
| Human Services | $23.8M | $20.2M | +17.9% |
| Culture / Recreation | $12.6M | $10M | +25.3% |
| Other Uses and Non-Operating | $32.6M | $19.8M | +64.3% |
| Court-Related Expenditures | $93.7M | $103M | -9.0% |
| Other Uses | n/a | n/a | n/a |
Bank deposits
June 30, 2026Deposits$4.74B1994$4.74B high2026
Change on a year earlier+6.2%June 30, 2026
Change, real+2.9%June 30, 2026
Branches51June 30, 2026
Institutions18June 30, 2026
Branches opened since the survey a year earlier1June 30, 2026
Branches closed since the survey a year earlier1June 30, 2026
FDIC Summary of Deposits, Florida offices, every June 30 since 1994, retrieved 2026-10-01 | Bank deposits
More
Offices, June 30, 2026
Deposits as each office reports them to the FDIC; the city is the one the bank reports, not a municipal boundary.
| Institution | Branch | Address | City | Deposits |
|---|---|---|---|---|
| Ameris Bank | Panama City Beach Branch | 11790 Panama City Beach Pkwy | Panama City Beach | $320M |
| The Huntington National Bank | Panama City Branch | 101 W 23rd St | Panama City | $297M |
| Hancock Whitney Bank | Hwy 77 Branch | 2305 Highway 77 | Panama City | $296M |
| Trustmark Bank | Panama City Main Branch | 144 Harrison Ave | Panama City | $279M |
| Regions Bank | Panama City Main Branch | 469 W 23rd St | Panama City | $202M |
| Regions Bank | Harrison Ave Branch | 800 Harrison Ave | Panama City | $184M |
| Truist Bank | 23Rd Street Branch | 511 W 23rd St | Panama City | $181M |
| Wells Fargo Bank, National Association | Panama City Main Branch | 112 W 23rd St | Panama City | $175M |
| Centennial Bank | Panama City Main Branch | 2200 Stanford Rd | Panama City | $165M |
| Wells Fargo Bank, National Association | Thomas Drive Branch | 2509 Thomas Dr | Panama City Beach | $145M |
| Trustmark Bank | Lynn Haven Branch | 2315 State Highway 77 | Lynn Haven | $141M |
| Hancock Whitney Bank | Edgewater Branch | 11701 Panama City Beach Pkwy | Panama City | $121M |
| Trustmark Bank | Thomas Drive Branch | 2305 Thomas Dr | Panama City Beach | $121M |
| Hancock Whitney Bank | Lynn Haven Financial Center | 2105 S Highway 77 | Lynn Haven | $119M |
| Trustmark Bank | Panama City Jenks Branch | 220 W 19th St | Panama City | $106M |
| Regions Bank | Lynn Haven South Branch | 2320 S Highway 77 | Lynn Haven | $104M |
| Community Bank of Mississippi | Panama City Beach Branch | 11341 Panama City Beach Pkwy | Panama City Beach | $102M |
| Regions Bank | Pier Park Branch | 15501 Panama City Beach Pkwy | Panama City Beach | $99.7M |
| Wells Fargo Bank, National Association | Carillon Beach Branch | 23046 Panama City Beach Pkwy | Panama City Beach | $99.3M |
| First Federal Bank | First Federal Bank Of Florida Branch | 415 N Richard Jackson Blvd | Panama City | $98M |
| Regions Bank | 2405 Thomas Dr Panama City Branch | 2405 Navy Boulevard | Panama City | $95M |
| Centennial Bank | Lynn Haven Branch | 635 E Baldwin Rd | Panama City | $86.1M |
| Regions Bank | Callaway Branch | 730 N Tyndall Pkwy | Callaway | $84.8M |
| Trustmark Bank | Y Shopping Center Branch | 17255 Panama City Beach Pkwy | Panama City Beach | $79.7M |
| The Huntington National Bank | Panama City Beach Branch | 600 Grand Panama Blvd, Ste 101 | Panama City Beach | $77.9M |
| Trustmark Bank | Callaway-Parker Branch | 114 S Tyndall Pkwy | Parker | $76.4M |
| Centennial Bank | Panama City Beach Branch | 12141 Panama City Beach Pkwy | Panama City Beach | $69.4M |
| Regions Bank | Breakfast Point Branch | 11540 Panama City Beach Pkwy | Panama City Beach | $65.4M |
| ServisFirst Bank | Panama City Branch | 2402 State Ave | Panama City | $64.1M |
| Regions Bank | Middle Beach Rd Branch | 10800 Hutchinson Boulevard | Panama City Beach | $64.1M |
| MidSouth Bank | Panama City Branch | 1418 W 23rd St | Panama City | $62.9M |
| Truist Bank | Panama City Beach Branch | 11400 Panama City Beach Pkwy | Panama City Beach | $57.9M |
| SmartBank | Panama City Highway 77 Branch | 2713 Highway 77 | Panama City | $57.8M |
| Community Bank of Mississippi | W. 23Rd Street Branch | 1602 W 23rd St | Panama City | $56.7M |
| Regions Bank | St Andrews Branch | 3109 W 23rd St | Panama City | $51M |
| Ameris Bank | Lynn Haven Branch | 2606 S Highway 77 | Lynn Haven | $48.9M |
| Centennial Bank | Mexico Beach Branch | 101 15th St | Mexico Beach | $45.8M |
| Ameris Bank | Panama City Branch | 450 E 23rd St | Panama City | $43.5M |
| Trustmark Bank | Panama City Beach Branch | 7522 Front Beach Rd | Panama City Beach | $41.2M |
| Centennial Bank | Thomas Drive Branch | 2515 Thomas Dr | Panama City Beach | $37.2M |
| PeoplesSouth Bank | Panama City Branch | 400 W 23rd St | Panama City | $26.8M |
| PeoplesSouth Bank | Lynn Haven Branch | 630 Ohio Ave | Lynn Haven | $15.3M |
| Capital City Bank | Breakfast Point Branch | 10000 Panama City Beach Pkwy | Panama City Beach | $14.1M |
| MidSouth Bank | Panama City Beach Branch | 12851 Panama City Beach Pkwy | Panama City Beach | $12.9M |
| PeoplesSouth Bank | Callawaybranch | 607 S Tyndall Pkwy | Panama City | $12.8M |
| United Community Bank | Panama City Branch | 1805 W. 23rd St. | Panama City | $9.96M |
| Renasant Bank | Panama City Branch | 701 Harrison Ave | Panama City | $9.27M |
| Capital City Bank | West Bay Office Branch | 8403 West Bay Parkway | Panama City Beach | $8.79M |
| PeoplesSouth Bank | Panama City Beach Branch | 23044 Panama City Beach Pkwy | Panama City Beach | $4.88M |
| Capital City Bank | Lynn Haven Branch | 3436 Highway 77, Suite B | Panama City | $1.15M |
| Southeast First National Bank | Hutchison Boulevard Branch | 12720 Hutchison Blvd | Panama City | $125K |
Sources on this page
- University of Florida, Bureau of Economic and Business Research: University of Florida Bureau of Economic and Business Research, Florida Estimates of Population. Retrieved 2026-10-01. Lag: Estimates are as of April 1 and are published the following December or January; the April 1 figure for a year appears eight to nine months after that date.
- US Bureau of Labor Statistics: US Bureau of Labor Statistics, Local Area Unemployment Statistics. Retrieved 2026-10-01. Lag: County and city figures for a month are published about five weeks after it ends, preliminary, and revised the following month; the state about three weeks after.
- Bay County Clerk of Court and Comptroller: Bay County Clerk of Court and Comptroller, monthly Tourist Development Tax report (Cash/Accrual Breakdown). Retrieved 2026-09-30. Lag: Stay month (period attributed); the report for a month is dated the end of the following month and posted a few weeks later.
- Florida Department of Business and Professional Regulation: Florida DBPR active licensure base files: public food service, public lodging and retail alcoholic beverage licenses. Retrieved 2026-10-01. Lag: Extracts are refreshed weekly; the statewide and county summaries are dated the first of each month.
- Florida Department of State, Division of Corporations: Florida Division of Corporations (Sunbiz) bulk corporate data files, new entity filings by month. Retrieved 2026-10-01. Lag: Filings are added to the daily file the day they are recorded; a month is complete once the daily files run past its end, and the latest month is preliminary until the next quarterly file includes it.
- US Census Bureau: County Business Patterns and ZIP Code Business Patterns, complete data files. Retrieved 2026-10-01. Lag: A year's data is released about 18 months after the March reference date.
- US Census Bureau: US Census Bureau, Building Permits Survey, place and county residential permits. Retrieved 2026-10-01. Lag: A month's place and county figures are released on the 17th working day of the following month, revised with each later release of the year; the annual table appears in May.
- Florida Department of Revenue: Florida Department of Revenue, NAL tax roll (name, address, legal), 2026 preliminary and final as posted. Retrieved 2026-10-03. Bay County: 2026P roll, Bay 13 Preliminary NAL 2026.zip.
- Florida Department of Revenue: Florida Department of Revenue, NAL tax roll, 2025 (2025F), from the data portal's public records folders. Retrieved 2026-10-04. Bay County: 2025F\NAL_2025_13Bay_F.csv.
- Shimberg Center for Housing Studies, University of Florida: Shimberg Center for Housing Studies, Florida Housing Data Clearinghouse. Retrieved 2026-10-01. Lag: Most datasets are updated once a year on a cycle ending June 30; the Assisted Housing Inventory is updated several times a year (its user guide dates every input).
- Florida Department of Revenue, Revenue Accounting: Florida Department of Revenue, Revenue Confirmation Online, distributions to local governments. Retrieved 2026-10-01. Lag: A distribution is posted on the day it is paid, so the current month is partial until its last payment run; a month is complete once the following month has begun.
- Florida Legislature, Office of Economic and Demographic Research (EDR), from Annual Financial Reports filed with the Department of Financial Services: Florida Office of Economic and Demographic Research, Expenditures and Revenues Reported by Florida's County and Municipal Governments. Retrieved 2026-10-01. Lag: A local fiscal year ends September 30; the Annual Financial Report is due to the Department of Financial Services nine months later, and EDR tabulates the reports over the following year, so a fiscal year is usually published one to two years after it ends.
- Florida Department of Financial Services: Florida Department of Financial Services, LOGERx local government Annual Financial Report data, long-term debt outstanding. Retrieved 2026-10-04. Lag: filed within nine months of the fiscal year end (twelve with an audit); the latest year fills in through the following year.
- Federal Deposit Insurance Corporation: FDIC Summary of Deposits, Florida offices, every June 30 since 1994. Retrieved 2026-10-01. Lag: The June 30 survey is published in the following September or October.
Cards not shown
- Sales and visitor spending: the BusinessFlare® estimate is by place; the county's sales are on its Sales and visitor spending page
Every figure on this page is read from the place file below, which carries each figure with its value, period, source, source URL and retrieval date.
Downloads
PDF report Excel workbook JSON
The PDF carries the same figures and source lines as this page. The workbook has one sheet per card. The JSON is the place file every page, export and feed reads, at a stable public path: /data/localflare/counties/12005.json. The index of every place is at /data/localflare/index.json.