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Homes Under $400K in Panama City, FL
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3 bedsNew constructionWith a pool

Homes Under $400K in Panama City, FL

Homes Under $400K in Panama City, FL

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24 of 742 Listings
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Homes Under $400K in Panama City, FL

24 of 742 Listings

Your local brokerage

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Thomas O'Leary

Realty.com

Lic. #BK3453168

Call Thomas
  1. 7530 Delancey Street — photoPrice Reduced24Active

    $249,900

    3 bd · 2 ba · 1,427 sqft

    7530 Delancey Street, Panama City, FL

    Mark A Miles · DR Horton Realty of Emerald Coast, LLC

  2. 1036 W 11th Court — photoPrice Reduced29Active

    $228,900

    3 bd · 3 ba · 1,416 sqft

    1036 W 11th Court, Panama City, FL

    Kelli White Garrett · CENTURY 21 Commander Realty

  3. 315 Gabrielle Lane — photoNew27Active

    $239,000

    3 bd · 2 ba · 1,121 sqft

    315 Gabrielle Lane, Panama City, FL

    Dawn C Egan · CENTURY 21 Commander Realty

  4. 120 Arlington Drive — photoNew40Active

    $320,000

    4 bd · 3 ba · 2,238 sqft

    120 Arlington Drive, Panama City, FL

    Katrina A Sundstrum · Realty ONE Group Emerald Coast

  5. 4893 Rosemary Street — photoPrice Reduced40Active

    $324,900

    4 bd · 3 ba · 1,960 sqft

    4893 Rosemary Street, Panama City, FL

    Mark A Miles · DR Horton Realty of Emerald Coast, LLC

  6. 7403 Sweetbriar Road — photoNew49Active

    $249,000

    4 bd · 2 ba · 1,536 sqft

    7403 Sweetbriar Road, Panama City, FL

    James D Payton · Coastal Living Realty & Associates

  7. 8815 Thomas Drive 207 — photoPrice Reduced24Active

    $340,000

    2 bd · 2 ba · 1,048 sqft

    8815 Thomas Drive 207, Panama City, FL

    Viola Zhuravel · Fun Quest Vacation Rentals Corp

  8. 9900 S Thomas Drive 1911 — photoNew28Active

    $365,000

    2 bd · 2 ba · 907 sqft

    9900 S Thomas Drive 1911, Panama City, FL

    Michele Bailey · Compass Florida, LLC

  9. 214 Reddy Creek Drive — photoPrice Reduced47Active

    $289,900

    4 bd · 2 ba · 1,799 sqft

    214 Reddy Creek Drive, Panama City, FL

    Mark A Miles · DR Horton Realty of Emerald Coast, LLC

  10. 3159 Sawgrass Street — photo39Active

    $320,275

    4 bd · 2 ba · 1,856 sqft

    3159 Sawgrass Street, Panama City, FL

    Mark A Miles · DR Horton Realty of Emerald Coast, LLC

  11. 151 Harlem Avenue — photoNew25Active

    $225,000

    3 bd · 2 ba · 1,152 sqft

    151 Harlem Avenue, Panama City, FL

    Karen K Smith · Beachy Beach Real Estate

  12. 5721 Howard Road — photoNew27Active

    $265,000

    3 bd · 2 ba · 1,438 sqft

    5721 Howard Road, Panama City, FL

    Bri Gambrell · Foundation Real Estate Agency LLC

  13. 1026 Mulberry Avenue — photoNew18Active

    $269,900

    3 bd · 2 ba · 1,300 sqft

    1026 Mulberry Avenue, Panama City, FL

    Gary P Witham · Hope Realty of Bay County LLC

  14. 3714 Burnham Way — photoNew1Active

    $125,000

    3 bd · 2 ba · 1,040 sqft

    3714 Burnham Way, Panama City, FL

    Joel Jadofsky · Keller Williams Realty Emerald

  15. 5644 Martin Court — photo54Active

    $205,000

    2 bd · 2 ba · 825 sqft

    5644 Martin Court, Panama City, FL

    Paul T LaCourse · Anchor Realty Florida

  16. 626 N Gay Ave — photo11Active

    $262,000

    4 bd · 2 ba · 1,656 sqft

    626 N Gay Ave, Panama City, FL

    Yahumara Herrera · Luxury Dream Realty LLC

  17. 3700 Burnham Way — photoNew1Active

    $125,000

    3 bd · 2 ba · 1,040 sqft

    3700 Burnham Way, Panama City, FL

    Joel Jadofsky · Keller Williams Realty Emerald

  18. 210 Reddy Creek Drive — photoNew31Active

    $264,900

    3 bd · 2 ba · 1,427 sqft

    210 Reddy Creek Drive, Panama City, FL

    Mark A Miles · DR Horton Realty of Emerald Coast, LLC

  19. 9850 S Thomas Drive 1006E — photoNew37Active

    $269,000

    1 bd · 1 ba · 751 sqft

    9850 S Thomas Drive 1006E, Panama City, FL

    Scott Seidler · Keller Williams Success Realty

  20. 1219 Thomas Drive 95 — photoNew37Active

    $149,000

    2 bd · 2 ba · 1,168 sqft

    1219 Thomas Drive 95, Panama City, FL

    Edmond Zlotea · The Premier Property Group

  21. 5222 Hastings Drive — photoNew42Active

    $349,900

    4 bd · 2 ba · 1,799 sqft

    5222 Hastings Drive, Panama City, FL

    Mark A Miles · DR Horton Realty of Emerald Coast, LLC

  22. 7298 Big Buck Boulevard — photoNew44Active

    $359,900

    4 bd · 2 ba · 1,799 sqft

    7298 Big Buck Boulevard, Panama City, FL

    Mark A Miles · DR Horton Realty of Emerald Coast, LLC

  23. 7351 Charles Loring Jr Road — photoPrice Reduced74Active

    $243,725

    4 bd · 2 ba · 1,439 sqft

    7351 Charles Loring Jr Road, Panama City, FL

    Mark A Miles · DR Horton Realty of Emerald Coast, LLC

  24. 3511 E 4th Street — photoNew23Active

    $95,000

    2 bd · 2 ba · 825 sqft

    3511 E 4th Street, Panama City, FL

    Scott W Fader · Joseph Walter Realty LLC

12…31

About Homes Under $400K in Panama City, FL

Homes Under $400K in Panama City, FL: 742 active listings as of October 1, 2026, 21:12 UTC.

Property types among these 742 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 typeListingsShare
Single Family Residence49266.3%
Condominium12516.8%
Attached608.1%
Manufactured Home395.3%
Duplex101.3%
Attached Single Unit60.8%
Multi Family5
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The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Listing data is derived from various Multiple Listing Services; each source MLS and its required disclaimer are shown with the listings on the applicable page. Realty.com is an independently owned and operated brokerage.

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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: 2026-10-01 20:11:49 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 14:30:22 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.
MIAMI REALTORS MLS
The multiple listing information is provided by MIAMI Association of Realtors® from a copyrighted compilation of listings. The compilation of listings and each individual listingare ©2026 MIAMI Association of Realtors®. All Rights Reserved.
The information provided is for consumers’ personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All properties are subject to prior sale or withdrawal. All information provided is deemed reliable but is not guaranteed accurate, and should be independently verified. Last Updated: 2026-10-01 02:01:06 UTC
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    Thomas O'Leary

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    Lic. #BK3453168

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    Panama City, FL community profile

    Population
    37,893
    Median income
    $56,830
    Housing units
    19,317
    People per sq. mi.
    77
    Area
    492 sq. mi.

    Source: HJN community data

    Panama City housing market

    September 2026 · This period is still settling

    Panama City 12-month median sale price trend

    Selling at 97.5% of asking price

    Buyers here are paying below asking. MLS · 165 sales · as of Sep 29, 2026

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

    Median sale price
    $291,900$188,125–$499,975 typical range
    Price per sq. ft.
    $175
    Sales
    54
    Paid in cash
    42.6%

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

    Median list price
    $369,000
    Homes for sale
    1,130
    Median days on market
    93 days

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

    Year-over-year
    -13.2%

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

    Median home size
    1,605 sq. ft.