Homes Under $400K in Panama City Beach, FL

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Thomas O'Leary

Realty.com

Lic. #BK3453168

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New18Active
$339,000
1 bd · 2 ba · 740 sqft
8743 Thomas Drive 1222, Panama City Beach, FL
Vi Bazhenova · Fun Quest Vacation Rentals Corp
Price Reduced53Active
$320,000
1 bd · 2 ba · 951 sqft
9900 S Thomas Drive 2230, Panama City Beach, FL
Kelly R Zarda · Emerald Coast Real Estate & Vacations LLC
52Active
$355,000
1 bd · 2 ba · 1,047 sqft
9860 S Thomas Drive Unit 1913, Panama City Beach, FL
Tina Lamonica · Think Real Estate

Listing data & MLS disclosures

Central Panhandle Association of REALTORS: IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS.
Listing information ©2026 Central Panhandle Association of Realtors®. All Rights Reserved. Last Updated: 2026-10-02 04:45:39 UTC
Emerald Coast Association of REALTORS: The properties displayed may not be all of the properties in the MLS's database, or all of the properties listed with Brokers participating in the cooperative data exchange program. Properties listed by Brokers other than this Broker are marked with either the listing Broker's logo or name or the MLS name or a logo provided by the MLS. Detailed information about such properties includes the name of the listing Brokers. Information provided is thought to be reliable but is not guaranteed to be accurate; you are advised to verify facts that are important to you. No warranties, expressed or implied, are provided for the data herein, or for their use or interpretation by the user. The Florida Association of Realtors® and its cooperating MLSs do not create, control or review the property data displayed herein and take no responsibility for the content of such records. Data last updated 2026-10-01 18:57:05 UTC
IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed accurate by the MLS.

About Homes Under $400K in Panama City Beach, FL

Homes Under $400K in Panama City Beach, FL: 704 active listings as of October 2, 2026, 07:49 UTC.

Property types among these 704 listings, by the property type each listing’s MLS reports, spelled as the MLS spells it. Types with fewer than 5 listings, and listings whose MLS reports no type, are not shown, so the shares can total less than 100%.
Property type	Listings	Share
Condominium	463	65.8%
Attached	99	14.1%
Single Family Residence	77	10.9%
Manufactured Home	35	5.0%
Attached Single Unit	20	2.8%

Panama City Beach housing market

September 2026 · This period is still settling

Selling at 97.5% of asking price

Buyers here are paying below asking. MLS · 179 sales · as of Sep 29, 2026

Homes that sold · County records, as of Sep 8, 2026

Median sale price: $460,000$312,500–$802,700 typical range
Price per sq. ft.: $321
Sales: 59
Paid in cash: 39.0%

Homes on the market · MLS, as of Sep 27, 2026–Sep 29, 2026

Median list price: $605,000
Homes for sale: 1,535
Median days on market: 36 days

Price trend · Assessor repeat sales, as of Sep 30, 2026

Year-over-year: -19.5%

Housing stock — every home in the area, not only the ones selling or listed · Assessor records, as of Sep 11, 2026

Median home size: 1,587 sq. ft.

Panama City Beach, FL community profile

Population: 20,963
Median income: $79,312
Housing units: 20,900
People per sq. mi.: 152.9
Area: 137.1 sq. mi.

Source: HJN community data

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Listing data & MLS disclosures

About Homes Under $400K in Panama City Beach, FL

Panama City Beach housing market

Homes that sold · County records, as of Sep 8, 2026

Homes on the market · MLS, as of Sep 27, 2026–Sep 29, 2026

Price trend · Assessor repeat sales, as of Sep 30, 2026

Housing stock — every home in the area, not only the ones selling or listed · Assessor records, as of Sep 11, 2026

Panama City Beach, FL community profile

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Panama City Beach, FL community profile

Panama City Beach housing market

Homes that sold · County records, as of Sep 8, 2026

Homes on the market · MLS, as of Sep 27, 2026–Sep 29, 2026

Price trend · Assessor repeat sales, as of Sep 30, 2026

Housing stock — every home in the area, not only the ones selling or listed · Assessor records, as of Sep 11, 2026