Homes Under $400K in Panama City, FL

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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: 2026-10-21 17:29:48 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 2026-10-20 20:52:40 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.

Panama City housing market

September 2026 · This period is still settling

Selling at 97.5% of asking price

Buyers here are paying below asking. MLS · 188 sales · as of Sep 30, 2026

Homes that sold · County records, as of Sep 29, 2026

Median sale price: $279,900$170,000–$400,000 typical range
Price per sq. ft.: $175
Sales: 201
Paid in cash: 41.8%

Homes on the market · MLS, as of Sep 27, 2026–Sep 30, 2026

Median list price: $369,000
Homes for sale: 1,130
Median days on market: 76 days

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

Year-over-year: -16.2%

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.

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

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Listing data & MLS disclosures

Panama City housing market

Homes that sold · County records, as of Sep 29, 2026

Homes on the market · MLS, as of Sep 27, 2026–Sep 30, 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, FL community profile

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Listing data & MLS disclosures

Panama City, FL community profile

Panama City housing market

Homes that sold · County records, as of Sep 29, 2026

Homes on the market · MLS, as of Sep 27, 2026–Sep 30, 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