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Panama City Beach city, FL

ZIP 32413 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32413

Median Home Value
$384,000
Median Rent
$1,381
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,467/mo PITI).

22%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

23.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 32413 in Panama City Beach city, FL, a household would need roughly $106,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,467. That is about 39% above the local median household income ($76,010), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 54% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.6%+6% vs US avg
x
Vacancy Rate
53.6%+421% vs US avg
x
Broadband Access
92.9%+7% vs US avg
x
4+ Bedrooms
1.4%-91% vs US avg
x
Built Pre-1939
1.1%-92% vs US avg
x
Built Post-2014
2.5%-64% vs US avg
x
Rent Burden >30%
21.2%-57% vs US avg
x
Mortgage-Free
46.6%+22% vs US avg
x
$384,000
Home Value
$1,381
Rent
1996
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached44.2%
  • 1-unit attached3.4%
  • 2-9 units11.6%
  • 10+ units34.4%
  • Mobile home & other6.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$384,000
Median rent$1,381
Owner-occupied69.6%
Vacant53.6%
Price-to-income5.1x
Est. income to buy$106,000