Explore US City Panama City, FL - Real Estate Market Insights, Demographics, Crime, Trends & Hotspots
Panama City, FL real estate snapshot: Pulse Score 35.39101100318655, cap rate 6%, median price $165,000. Below: live market insights, demographics, crime overview, investment hotspots, and nearby areas.
Pulse Score
C+
Cap Rate
6%
Investor Friendly Score
57%
Median Price
$165,000
Market Insights
Panama City's real estate market is experiencing a price correction, with values down 44.1% from last year. Home prices have increased 3.1% in the past month alone. With 8.0 months of supply, Panama City's inventory levels remain relatively tight. Homes are now taking an average of 169 days to sell, significantly longer than the 19 days typical for this market. Only 8.3% of listings saw price reductions, suggesting sellers are confident in their pricing. Only 0.0% of properties sold above asking price, giving buyers more negotiating power. Affordability remains a significant challenge in the Panama City market with the affordability index at 49.7. Based on current market indicators, home prices in Panama City are projected to increase by approximately 34.0% over the next month.
Demographics market for - Panama City, FL
Total Population -
35,809
White Race
71%
African American Race
21%
Crime for City - Panama City, FL
No Data
Real Estate Market Prediction for - Panama City, FL
City Hotspots Map
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Nearby Cities From Panama City, FL
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FAQ about Panama City, FL
The Pulse Score combines property value appreciation, rental income potential, market liquidity, demographic trends, and crime/safety signals into a single 0–100 grade. Higher scores indicate stronger investor fundamentals.
Investment quality depends on your goals. Use the cap rate, investor-friendly score, demographic insights, and crime data on this page to evaluate Panama City, FL for buy-and-hold, fix-and-flip, or short-term rental strategies.
Our analysis combines public datasets (US Census Bureau, FBI Uniform Crime Reporting, HUD, BLS) with proprietary short-term rental performance and active MLS feeds, refreshed on a regular cadence.
Use the “Related analysis” section on this page to jump to the dedicated crime report, school ratings, and state-level short-term rental market analysis for Panama City, FL.
Data sources & further reading
PulseReal’s analysis is built on top of these public, authoritative datasets.
Official UCR crime statistics by state and agency from the FBI.
Population, demographics, housing, and income data from the US Census Bureau.
Encyclopedic overview of the city, history, and notable landmarks.
Housing affordability, fair-market rents, and market reports from HUD.
Local unemployment and employment data from the Bureau of Labor Statistics.
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Does a rental pencil out in Panama City, FL?
A median-priced home ($165,000) at the average rent ($964/mo), with 25% down at 7.25%, after property tax, insurance, vacancy, repairs, reserves and management.
-$516/mo
Cash flow on a median home
-13.4%
Cash-on-cash return
0.39
DSCR
$1,953/mo
Rent needed for a 1.25 DSCR
$3,125/yr
Landlord insurance, hazard-adjusted