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County Overview

Bay County, Florida

Aggregate real estate market report across county ZIPs
Buyer's Market
January 2026  ·  Source: Realtor.com

Market Overview

Active Listings
2,840
⇧ 3.6%
Pending
443
16% pending ratio
Median Price
$407,083
⇩ 3.6%
Average Price
$527,761
⇩ 4.4%
Days on Market
109.1
⇧ 1.8%

Market Analysis

Data as of January 2026. Source: Realtor.com.

The Bay County, Florida real estate market currently shows 2,840 active listings, with 443 pending sales. Homes are averaging 109.1 days on the market before going under contract.

Inventory has increased compared to last year, with 98 more homes available — giving buyers more choice.

Homes are taking longer to sell, averaging 109.1 days on market compared to 107.2 days last year.

The median listing price has fallen 3.6% year-over-year, from $422,162 to $407,083.

Whether you are buying or selling in Bay County, Florida, SELL123.com can help you save significantly on commission — typically 2% compared to traditional 5% broker fees. Call (240) SELL-123 for a free consultation.

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Included Areas

Panama City: 32401, 32403, 32406, 32408, 32409, 32411, 32412, 32417

Harrison Place: 32402, 32405

Fountain: 32438

Timbers Crossing: 32444

Mexico Beach: 32410

Callaway: 32404

Breakfast Point: 32407

Panama City Beach: 32413

Youngstown: 32466

Market Context

ZIP coverage: 17  ·  Population: 181,139  ·  Median household income: $66,891

Typical home value: $242,672  ·  Homeownership rate: 68.9%

12-Month Trends

Historical Trend Charts

Median Price
Average Price
Days on Market
Total Listings
Pending Listings
Active Listings
New Listings