Florida / Bay County / Panama City
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Panama City
City, Bay County. Population 38,078 (2025), +0.4% on the prior year, +15.6% since 2020 Last updated 2026-10-04.
Boundary: US Census Bureau TIGER/Line, simplified for drawing. 35.47 square miles of land.
Population
2025University of Florida Bureau of Economic and Business Research, Florida Estimates of Population, retrieved 2026-10-01 | Population estimates
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Population by year
April 1 of each year. Basis is census in a census year, otherwise BEBR's estimate.
| Year | Population | Basis | Change |
|---|---|---|---|
| 2025 | 38,078 | estimate | +0.4% |
| 2024 | 37,909 | estimate | +1.0% |
| 2023 | 37,526 | estimate | +3.8% |
| 2022 | 36,139 | estimate | +4.2% |
| 2021 | 34,698 | estimate | +5.3% |
| 2020 | 32,939 | census | 0.0% |
| 2019 | 32,951 | estimate | -11.4% |
| 2018 | 37,208 | estimate | +0.6% |
| 2017 | 36,988 | estimate | +0.2% |
| 2016 | 36,909 | estimate | +3.0% |
| 2015 | 35,835 | estimate | +0.2% |
| 2014 | 35,773 | estimate | +0.1% |
| 2013 | 35,720 | estimate | -0.2% |
| 2012 | 35,800 | estimate | -2.2% |
| 2011 | 36,590 | estimate | +3.1% |
| 2010 | 35,505 | census | -5.1% |
| 2009 | 37,408 | estimate | -0.1% |
| 2008 | 37,457 | estimate | -0.5% |
| 2007 | 37,640 | estimate | +0.3% |
| 2006 | 37,540 | estimate | +0.8% |
| 2005 | 37,238 | estimate | +0.1% |
| 2004 | 37,207 | estimate | +1.8% |
| 2003 | 36,541 | estimate | +0.4% |
| 2002 | 36,412 | estimate | 0.0% |
| 2001 | 36,428 | estimate | 0.0% |
| 2000 | 36,417 | census | -3.6% |
| 1999 | 37,777 | estimate | -0.2% |
| 1998 | 37,869 | estimate | +1.4% |
| 1997 | 37,347 | estimate | +0.3% |
| 1996 | 37,236 | estimate | +1.4% |
| 1995 | 36,706 | estimate | +1.1% |
| 1994 | 36,315 | estimate | +1.1% |
| 1993 | 35,914 | estimate | +1.4% |
| 1992 | 35,427 | estimate | +2.0% |
| 1991 | 34,723 | estimate | n/a |
| 1989 | 36,354 | estimate | +0.7% |
| 1988 | 36,118 | estimate | +2.0% |
| 1987 | 35,417 | estimate | +1.4% |
| 1986 | 34,942 | estimate | +0.9% |
| 1985 | 34,623 | estimate | +1.3% |
| 1984 | 34,166 | estimate | -0.1% |
| 1983 | 34,196 | estimate | -0.2% |
| 1982 | 34,251 | estimate | +1.6% |
| 1981 | 33,714 | estimate | n/a |
| 1979 | 39,747 | estimate | n/a |
Labor force
Aug 2026US Bureau of Labor Statistics, Local Area Unemployment Statistics, retrieved 2026-10-01 | Labor force page
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Monthly, last three years
Not seasonally adjusted. The latest month may be preliminary.
| Month | Labor force | Employed | Unemployed | Rate |
|---|---|---|---|---|
| Aug 2026 | 17,296 | 16,468 | 828 | 4.8% |
| Jul 2026 | 17,157 | 16,333 | 824 | 4.8% |
| Jun 2026 | 17,294 | 16,499 | 795 | 4.6% |
| May 2026 | 17,073 | 16,326 | 747 | 4.4% |
| Apr 2026 | 17,016 | 16,242 | 774 | 4.5% |
| Mar 2026 | 16,937 | 16,152 | 785 | 4.6% |
| Feb 2026 | 16,819 | 15,922 | 897 | 5.3% |
| Jan 2026 | 16,712 | 15,746 | 966 | 5.8% |
| Dec 2025 | 16,687 | 15,861 | 826 | 4.9% |
| Nov 2025 | 16,712 | 15,841 | 871 | 5.2% |
| Sep 2025 | 17,003 | 16,270 | 733 | 4.3% |
| Aug 2025 | 17,106 | 16,351 | 755 | 4.4% |
| Jul 2025 | 17,133 | 16,410 | 723 | 4.2% |
| Jun 2025 | 17,230 | 16,527 | 703 | 4.1% |
| May 2025 | 17,071 | 16,442 | 629 | 3.7% |
| Apr 2025 | 17,005 | 16,431 | 574 | 3.4% |
| Mar 2025 | 16,947 | 16,351 | 596 | 3.5% |
| Feb 2025 | 16,666 | 16,008 | 658 | 3.9% |
| Jan 2025 | 16,666 | 15,950 | 716 | 4.3% |
| Dec 2024 | 16,636 | 16,057 | 579 | 3.5% |
| Nov 2024 | 16,799 | 16,162 | 637 | 3.8% |
| Oct 2024 | 17,045 | 16,425 | 620 | 3.6% |
| Sep 2024 | 16,868 | 16,278 | 590 | 3.5% |
| Aug 2024 | 17,085 | 16,437 | 648 | 3.8% |
| Jul 2024 | 17,164 | 16,512 | 652 | 3.8% |
| Jun 2024 | 17,131 | 16,520 | 611 | 3.6% |
| May 2024 | 16,863 | 16,345 | 518 | 3.1% |
| Apr 2024 | 16,707 | 16,220 | 487 | 2.9% |
| Mar 2024 | 16,692 | 16,153 | 539 | 3.2% |
| Feb 2024 | 16,358 | 15,775 | 583 | 3.6% |
| Jan 2024 | 16,240 | 15,589 | 651 | 4.0% |
| Dec 2023 | 16,341 | 15,811 | 530 | 3.2% |
| Nov 2023 | 16,494 | 15,969 | 525 | 3.2% |
| Oct 2023 | 16,789 | 16,240 | 549 | 3.3% |
| Sep 2023 | 16,910 | 16,362 | 548 | 3.2% |
| Aug 2023 | 17,064 | 16,498 | 566 | 3.3% |
Annual averages
| Year | Labor force | Employed | Unemployed | Rate |
|---|---|---|---|---|
| 2025 | 16,930 | 16,222 | 708 | 4.2% |
| 2024 | 16,799 | 16,206 | 593 | 3.5% |
| 2023 | 16,594 | 16,091 | 503 | 3.0% |
| 2022 | 16,164 | 15,676 | 488 | 3.0% |
| 2021 | 16,093 | 15,331 | 762 | 4.7% |
| 2020 | 15,283 | 14,231 | 1,052 | 6.9% |
| 2019 | 15,772 | 15,137 | 635 | 4.0% |
| 2018 | 16,722 | 15,942 | 780 | 4.7% |
| 2017 | 16,865 | 16,101 | 764 | 4.5% |
| 2016 | 17,019 | 16,143 | 876 | 5.1% |
| 2015 | 17,290 | 16,229 | 1,061 | 6.1% |
| 2014 | 17,190 | 15,953 | 1,237 | 7.2% |
| 2013 | 17,001 | 15,587 | 1,414 | 8.3% |
| 2012 | 17,015 | 15,366 | 1,649 | 9.7% |
| 2011 | 17,181 | 15,295 | 1,886 | 11.0% |
Sales and visitor spending
12 months to Mar 2026Monthly series, visitor, resident and big ticket groups, chart and workbook with the pass. Get the pass / Sign in Wide error flag.
Pass holders: once signed in on the pass page, the monthly estimate loads here.
Economic Census geographic area series, retail trade and accommodation and food services, 2017 and 2022, retrieved 2026-10-01; BusinessFlare® city-level sales and visitor spending estimate (method and error; the figures are Street Economics Pass data), retrieved 2026-10-04 | How the estimate is made
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BusinessFlare® estimate from public sources. The estimate anchors on the sales the US Census Bureau published for this place in the 2017 and 2022 Economic Census, for retail trade and for accommodation and food services, and moves them month by month with the county's sales tax returns by kind of business (Florida Department of Revenue Form 10). After the 2022 anchor the place's share of the county moves with the growth of its commercial property on the Department's 2026 tax roll, as submitted by the county property appraiser, by use code: stores, shopping centers, supermarkets and auto dealers for retail; restaurants, bars and hotels for accommodation and food. The three spending groups follow the county's kind code mix within each sector. Every place with both anchors was carried from 2017 to 2022 the same way and the landing on the 2022 Census figure is the published error.
A landing error over 25% carries a wide error flag. The error is published with every figure; an estimate is never shown without it. Rounded to the nearest hundred thousand dollars; the monthly series is pass data.
Economic Census anchors and the back-test
| Sector | Census sales 2017 | Census sales 2022 | 2017 carried to 2022 | Landing error |
|---|---|---|---|---|
| Retail trade (NAICS 44-45) | $1.42B | $1.97B | $2.19B | 11.0% |
| Accommodation and food services (NAICS 72) | $191M | $237M | $324M | 36.8% |
- wide error: the 2017 carry-forward landed 37% from the 2022 Census figure for Accommodation and food services (NAICS 72)
Business base
Aug 2026County Business Patterns and ZIP Code Business Patterns, complete data files, retrieved 2026-10-01; Florida DBPR active licensure base files: public food service, public lodging and retail alcoholic beverage licenses, retrieved 2026-10-01; Florida Division of Corporations (Sunbiz) bulk corporate data files, new entity filings by month, retrieved 2026-10-01 | Licenses Business formations
Licenses are placed inside the city limits by their geocoded address.
Business formations are by postal city: Panama City, which is not the city limits.
Establishments, employment and payroll are a ZIP code basis: ZIP codes 32401, 32405.
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Licenses by type
Counted licenses in DBPR's food service, lodging and alcoholic beverage files, placed by geocoded address.
| License type | File | Active |
|---|---|---|
| 2010-SEAT | food | 170 |
| 2007-DWEL-SNGL | lodging | 105 |
| 2APS | alcohol | 65 |
| 2003-NAPT | lodging | 56 |
| 2COP | alcohol | 53 |
| 4COP-SFS | alcohol | 42 |
| 2014-MFDV | food | 38 |
| 2002-MOTL | lodging | 17 |
| 2006-CNDO-SNGL | lodging | 14 |
| 2001-HOTL | lodging | 13 |
| 2010-NOST | food | 12 |
| 4COP | alcohol | 11 |
| 2007-DWEL-CLCT | lodging | 11 |
| 3PS | alcohol | 7 |
| 11C | alcohol | 3 |
| 1COP | alcohol | 3 |
| 4COP-S | alcohol | 3 |
| 2013-CATR | food | 3 |
| 2006-CNDO-GRP | lodging | 3 |
| 13CT | alcohol | 2 |
| 1APS | alcohol | 2 |
| 2COP-SA | alcohol | 1 |
| 2COP-SFS | alcohol | 1 |
| 4COP-SPX | alcohol | 1 |
| 4COP-SR | alcohol | 1 |
| 2014-HTDG | food | 1 |
| 2003-TAPT | lodging | 1 |
| 2006-CNDO-CLCT | lodging | 1 |
Filings by entity type, last 12 months
Sunbiz new entity filings by the ZIP code of the principal address, grouped to the USPS postal city (postal city: Panama City)
| Entity type | Last 12 months | 12 months before |
|---|---|---|
| Florida limited liability companies | 2,714 | 2,411 |
| Florida profit corporations | 145 | 138 |
| Florida non-profit corporations | 80 | 91 |
| Out of state entities registering in Florida | 23 | 21 |
| Partnerships, trusts and other filings | 8 | 1 |
ZIP Code Business Patterns, 2023
ZIP codes 32401, 32405: the ZIP codes whose Census internal point falls inside the city limits. A ZIP code crosses the limits, so this is a ZIP basis, not the city.
| ZIP code | Establishments | Employees | Annual payroll |
|---|---|---|---|
| 32401 | 831 | 11,039 | $597M |
| 32405 | 1,209 | 17,402 | $938M |
Building permits
Aug 2026US Census Bureau, Building Permits Survey, place and county residential permits, retrieved 2026-10-01 | Building permits
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Monthly, last three years
Residential permits as the Bureau publishes them; imputed months are the Bureau's imputations.
| Month | Units | 1 unit | 5 or more | Valuation |
|---|---|---|---|---|
| Aug 2026 | 27 | 20 | 5 | $9.77M |
| Jul 2026 | 20 | 20 | 0 | $7.18M |
| Jun 2026 | 25 | 20 | 5 | $9.31M |
| May 2026 | 19 | 19 | 0 | $6.82M |
| Apr 2026 | 23 | 21 | 0 | $8M |
| Mar 2026 | 21 | 21 | 0 | $7.55M |
| Feb 2026 | 19 | 19 | 0 | $6.83M |
| Jan 2026 | 18 | 18 | 0 | $6.47M |
| Dec 2025 | 16 | 16 | 0 | $5.75M |
| Nov 2025 | 22 | 15 | 5 | $7.97M |
| Oct 2025 | 24 | 22 | 0 | $8.36M |
| Sep 2025 | 21 | 19 | 0 | $7.29M |
| Aug 2025 | 19 | 19 | 0 | $6.83M |
| Jul 2025 | 19 | 19 | 0 | $6.83M |
| Jun 2025 | 30 | 23 | 5 | $10.8M |
| May 2025 | 21 | 21 | 0 | $7.55M |
| Apr 2025 | 22 | 22 | 0 | $7.91M |
| Mar 2025 | 18 | 18 | 0 | $6.46M |
| Feb 2025 | 21 | 19 | 0 | $7.28M |
| Jan 2025 | 24 | 19 | 5 | $8.94M |
| Dec 2024 | 18 | 18 | 0 | $6.46M |
| Nov 2024 | 19 | 17 | 0 | $6.56M |
| Oct 2024 | 26 | 21 | 5 | $9.65M |
| Sep 2024 | 19 | 19 | 0 | $6.81M |
| Aug 2024 | 29 | 22 | 5 | $10.5M |
| Jul 2024 | 22 | 22 | 0 | $7.89M |
| Jun 2024 | 21 | 21 | 0 | $7.53M |
| May 2024 | 25 | 25 | 0 | $8.97M |
| Apr 2024 | 29 | 24 | 5 | $10.7M |
| Mar 2024 | 28 | 26 | 0 | $9.84M |
| Feb 2024 | 25 | 25 | 0 | $9.03M |
| Jan 2024 | 27 | 25 | 0 | $9.48M |
| Dec 2023 | 20 | 20 | 0 | $7.23M |
| Nov 2023 | 21 | 21 | 0 | $7.59M |
| Oct 2023 | 24 | 24 | 0 | $8.67M |
| Sep 2023 | 25 | 23 | 0 | $8.76M |
Annual table
| Year | Units | 1 unit | 5 or more | Valuation |
|---|---|---|---|---|
| 2025 | 257 | 232 | 15 | $92M |
| 2024 | 288 | 265 | 15 | $103M |
| 2023 | 267 | 244 | 15 | $95.7M |
| 2022 | 323 | 297 | 20 | $117M |
| 2021 | 181 | 145 | 30 | $63.2M |
| 2020 | 698 | 134 | 540 | $109M |
| 2019 | 172 | 168 | 0 | $55.1M |
| 2018 | 111 | 111 | 0 | $36.4M |
| 2017 | 103 | 103 | 0 | $32.4M |
| 2016 | 59 | 59 | 0 | $21.8M |
| 2015 | 19 | 19 | 0 | $7M |
| 1988 | 0 | 0 | 0 | $0 |
| 1987 | 446 | 99 | 326 | $11.2M |
| 1986 | 398 | 200 | 184 | $12.2M |
| 1985 | 404 | 287 | 29 | $13.9M |
Property roll
2026 preliminaryFlorida Department of Revenue, NAL tax roll, 2026 preliminary and final as posted, retrieved 2026-10-03
Parcels are placed by Census block group through the Census Bureau's block assignment file; a parcel in a block group that straddles the limits is apportioned. Census 2020 block groups; 73% of the county's just value lies in a place. Medians are over the parcels whose block group lies mostly in the place. Qualified sales: the roll's own sale fields, qualification codes 01 and 02, improved, single parcel.
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Just value by use group
Department of Revenue land use codes grouped: residential 001 to 009, commercial 011 to 039, industrial 041 to 049, agricultural 050 to 069, vacant 000, 010, 040 and 070, institutional 071 to 079, government 080 to 089, other 090 to 099. Taxable is the non school taxable value. Just value change compares with the 2025 final roll, summed the same way.
| Use group | Parcels | Just value | Taxable (non school) | New construction | Residential units | Just value change |
|---|---|---|---|---|---|---|
| Residential | 13,209 | $3.29B | $2.18B | $121M | 18,142 | +7.7% |
| Commercial | 1,230 | $751M | $704M | $7.36M | n/a | +3.9% |
| Industrial | 217 | $165M | $158M | $685K | n/a | +3.2% |
| Agricultural | 41 | $15.7M | $2.25M | $13.1K | n/a | -4.0% |
| Vacant | 3,223 | $233M | $209M | $145K | n/a | +8.4% |
| Institutional | 170 | $178M | $81.9M | $1.07M | n/a | -1.2% |
| Government | 648 | $436M | $740K | $1.95M | n/a | +0.7% |
| Other | 61 | $30.7M | $29.4M | $0 | n/a | +1.7% |
Housing
2020 to 2024 ACSShimberg Center for Housing Studies, Florida Housing Data Clearinghouse, retrieved 2026-10-01 | Housing data
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Cost burden by income, 2025
Households by the share of income spent on housing, Shimberg Center estimates for 2025.
| Tenure | Income (share of area median) | 30% or less | 30.1 to 50% | Over 50% |
|---|---|---|---|---|
| All households | 30% AMI or less | 368 | 440 | 1,383 |
| All households | 30.01-50% AMI | 500 | 833 | 654 |
| All households | 50.01-80% AMI | 1,015 | 1,182 | 270 |
| All households | 80.01-120% AMI | 1,276 | 687 | 83 |
| All households | Greater than 120% AMI | 6,665 | 313 | 50 |
| Renters | 30% AMI or less | 198 | 218 | 1,062 |
| Renters | 30.01-50% AMI | 223 | 645 | 427 |
| Renters | 50.01-80% AMI | 256 | 838 | 176 |
| Renters | 80.01-120% AMI | 528 | 288 | 0 |
| Renters | Greater than 120% AMI | 1,970 | 80 | 0 |
| Owners | 30% AMI or less | 170 | 222 | 321 |
| Owners | 30.01-50% AMI | 277 | 188 | 227 |
| Owners | 50.01-80% AMI | 759 | 344 | 94 |
| Owners | 80.01-120% AMI | 748 | 399 | 83 |
| Owners | Greater than 120% AMI | 4,695 | 233 | 50 |
Single family sales by year
| Year | Median price | Sales |
|---|---|---|
| 1996 | $64K | 549 |
| 1997 | $68.8K | 531 |
| 1998 | $70K | 547 |
| 1999 | $71.8K | 556 |
| 2000 | $79.2K | 506 |
| 2001 | $82K | 532 |
| 2002 | $83K | 581 |
| 2003 | $102K | 672 |
| 2004 | $118K | 834 |
| 2005 | $140K | 678 |
| 2006 | $155K | 513 |
| 2007 | $148K | 395 |
| 2008 | $140K | 218 |
| 2009 | $130K | 213 |
| 2010 | $122K | 181 |
| 2011 | $114K | 189 |
| 2012 | $110K | 203 |
| 2013 | $123K | 267 |
| 2014 | $130K | 306 |
| 2015 | $130K | 349 |
Assisted housing developments
Shimberg Center Assisted Housing Inventory.
| Development | Address | City | Units | Assisted |
|---|---|---|---|---|
| Dickinson, Kirkland, Oakland Gardens | 1025 Everitt Ave | Panama City | 203 | 193 |
| Andrews Place | 1914 Frankford Avenue | Panama City | 200 | 200 |
| Siena Gardens | 901 W 19th Street | Panama City | 150 | 150 |
| Sovereign at North Bay | 1800 Florida Avenue | Panama City | 144 | 144 |
| Arbors | 261 W 15th Street | Panama City | 138 | 138 |
| Andrews Place II | 1914 Frankford Avenue | Panama City | 120 | 120 |
| Park at Massalina | 1450 N Palo Alto Avenue | Panama City | 120 | 120 |
| Macedonia Gardens | 1722 W 17TH ST | Panama City | 100 | 100 |
| Foxwood Apartments | 1701 Hamilton Avenue | Panama City | 100 | 100 |
| Fletcher Black | 875 W 11th Street | Panama City | 100 | 100 |
| Edgewood Garden Apartments | 3325 W 23rd Street | Panama City | 94 | 94 |
| Panama Commons | 1001 Sherman Avenue | Panama City | 92 | 92 |
| Royal Arms Garden Apartments | 1420 BALBOA AVE | Panama City | 88 | 80 |
| Pelican Pointe | 10320 Clarence Street | Panama City | 78 | 78 |
| Pana Villa Garden Apartments | 1802 Flower Avenue | Panama City | 72 | 72 |
| Fletcher Black II | 875 W 11th Street | Panama City | 64 | 64 |
| Springfield Crossings | 3818 8th Street E | Panama City | 60 | 60 |
| Hilltop Pointe | 4514 Hilltop Lane | Panama City | 50 | 50 |
| Tupelo Park | 609 Fernwood Street | Panama City | 47 | 47 |
| Asbell, Fletcher Black, Massalina | 2051 Lisenby Ave | Panama City | 47 | 47 |
| Champion/johnson Memorial | 739 Sanders Ln | Panama City | 40 | 40 |
| Independence Village | 910 Harrison Street | Panama City | 24 | 24 |
Fiscal
Sep 2026Florida Office of Economic and Demographic Research, Expenditures and Revenues Reported by Florida's County and Municipal Governments, retrieved 2026-10-01; Florida Department of Revenue, Revenue Confirmation Online, distributions to local governments, retrieved 2026-10-01; Florida Department of Financial Services, LOGERx local government Annual Financial Report data, long-term debt outstanding, retrieved 2026-10-04 | Distributions Annual financial report
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Half-cent sales tax, monthly distributions
As the Department of Revenue's ledger prints them; a blank month is a month with no line.
| Month | Distributed |
|---|---|
| Sep 2026 | $519K |
| Aug 2026 | $527K |
| Jul 2026 | $434K |
| Jun 2026 | $409K |
| May 2026 | $440K |
| Apr 2026 | $328K |
| Mar 2026 | $290K |
| Feb 2026 | $306K |
| Jan 2026 | $286K |
| Dec 2025 | $347K |
| Nov 2025 | $364K |
| Oct 2025 | $364K |
| Sep 2025 | $553K |
| Aug 2025 | $561K |
| Jul 2025 | $465K |
| Jun 2025 | $450K |
| May 2025 | $436K |
| Apr 2025 | $348K |
| Mar 2025 | $292K |
| Feb 2025 | $337K |
| Jan 2025 | $317K |
| Dec 2024 | $368K |
| Nov 2024 | $355K |
| Oct 2024 | $414K |
| Sep 2024 | $504K |
| Aug 2024 | $543K |
| Jul 2024 | $458K |
| Jun 2024 | $419K |
| May 2024 | $437K |
| Apr 2024 | $355K |
| Mar 2024 | $311K |
| Feb 2024 | $335K |
| Jan 2024 | $313K |
| Dec 2023 | $374K |
| Nov 2023 | $385K |
| Oct 2023 | $407K |
State revenue sharing, monthly distributions
As the Department of Revenue's ledger prints them; a blank month is a month with no line.
| Month | Distributed |
|---|---|
| Sep 2026 | $171K |
| Aug 2026 | $171K |
| Jul 2026 | $171K |
| Jun 2026 | $172K |
| May 2026 | $172K |
| Apr 2026 | $172K |
| Mar 2026 | $172K |
| Feb 2026 | $172K |
| Jan 2026 | $172K |
| Dec 2025 | $183K |
| Nov 2025 | $183K |
| Oct 2025 | $183K |
| Sep 2025 | $188K |
| Aug 2025 | $188K |
| Jul 2025 | $188K |
| Jun 2025 | $164K |
| May 2025 | $164K |
| Apr 2025 | $164K |
| Mar 2025 | $164K |
| Feb 2025 | $164K |
| Jan 2025 | $164K |
| Dec 2024 | $164K |
| Nov 2024 | $180K |
| Oct 2024 | $180K |
| Sep 2024 | $180K |
| Aug 2024 | $180K |
| Jul 2024 | $180K |
| Jun 2024 | $180K |
| May 2024 | $180K |
| Apr 2024 | $180K |
| Mar 2024 | $180K |
| Feb 2024 | $180K |
| Jan 2024 | $180K |
| Dec 2023 | $180K |
| Nov 2023 | $180K |
| Oct 2023 | $180K |
Long-term debt by fiscal year
Total long-term debt outstanding at fiscal year end, all funds, as the government reported it to the Department of Financial Services in its Annual Financial Report.
| Fiscal year | Debt outstanding | Change |
|---|---|---|
| FY2024 | $243M | +5.2% |
| FY2023 | $231M | +93.3% |
| FY2022 | $119M | -29.4% |
| FY2021 | $169M | -4.8% |
| FY2020 | $178M | 0.0% |
| FY2019 | $177M | +71.7% |
| FY2018 | $103M | +35.6% |
| FY2017 | $76.2M | -3.1% |
| FY2016 | $78.6M | +12.4% |
| FY2015 | $70M | +72.7% |
| FY2014 | $40.5M | -8.2% |
| FY2013 | $44.1M | n/a |
Revenues by category, FY2024
Sum of the fund columns in EDR's workbook for this government.
| Category | FY2024 | FY2023 | Change |
|---|---|---|---|
| General Government Taxes | $45.8M | $42.2M | +8.4% |
| Permits, Fees, and Special Assessments | $11.8M | $13.7M | -13.7% |
| Intergovernmental Revenues | $40.1M | $48.8M | -17.9% |
| Charges for Services | $72.3M | $67.1M | +7.6% |
| Judgments, Fines, and Forfeits | $261K | $469K | -44.4% |
| Miscellaneous Revenues | $43M | $27.7M | +55.1% |
| Other Sources | $31.2M | $196M | -84.1% |
| Taxes | n/a | n/a | n/a |
| Intergovernmental Revenue | n/a | n/a | n/a |
| Permits and Franchise Fees | n/a | n/a | n/a |
Expenditures by category, FY2024
Sum of the fund columns in EDR's workbook for this government.
| Category | FY2024 | FY2023 | Change |
|---|---|---|---|
| General Government Services (Not Court-Related) | $52.9M | $87.7M | -39.7% |
| Public Safety | $35.8M | $33.7M | +6.2% |
| Physical Environment | $37M | $37.2M | -0.5% |
| Transportation | $39M | $35.3M | +10.5% |
| Economic Environment | $9.01M | $7.86M | +14.7% |
| Human Services | $192K | $455K | -57.9% |
| Culture / Recreation | $22.8M | $12.9M | +77.1% |
| Other Uses and Non-Operating | $29.9M | $44.8M | -33.4% |
| Other Uses | n/a | n/a | n/a |
Bank deposits
June 30, 2026FDIC Summary of Deposits, Florida offices, every June 30 since 1994, retrieved 2026-10-01 | Bank deposits
Offices whose reported city is Panama City.
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Offices, June 30, 2026
Deposits as each office reports them to the FDIC; the city is the one the bank reports, not a municipal boundary.
| Institution | Branch | Address | City | Deposits |
|---|---|---|---|---|
| The Huntington National Bank | Panama City Branch | 101 W 23rd St | Panama City | $297M |
| Hancock Whitney Bank | Hwy 77 Branch | 2305 Highway 77 | Panama City | $296M |
| Trustmark Bank | Panama City Main Branch | 144 Harrison Ave | Panama City | $279M |
| Regions Bank | Panama City Main Branch | 469 W 23rd St | Panama City | $202M |
| Regions Bank | Harrison Ave Branch | 800 Harrison Ave | Panama City | $184M |
| Truist Bank | 23Rd Street Branch | 511 W 23rd St | Panama City | $181M |
| Wells Fargo Bank, National Association | Panama City Main Branch | 112 W 23rd St | Panama City | $175M |
| Centennial Bank | Panama City Main Branch | 2200 Stanford Rd | Panama City | $165M |
| Hancock Whitney Bank | Edgewater Branch | 11701 Panama City Beach Pkwy | Panama City | $121M |
| Trustmark Bank | Panama City Jenks Branch | 220 W 19th St | Panama City | $106M |
| First Federal Bank | First Federal Bank Of Florida Branch | 415 N Richard Jackson Blvd | Panama City | $98M |
| Regions Bank | 2405 Thomas Dr Panama City Branch | 2405 Navy Boulevard | Panama City | $95M |
| Centennial Bank | Lynn Haven Branch | 635 E Baldwin Rd | Panama City | $86.1M |
| ServisFirst Bank | Panama City Branch | 2402 State Ave | Panama City | $64.1M |
| MidSouth Bank | Panama City Branch | 1418 W 23rd St | Panama City | $62.9M |
| SmartBank | Panama City Highway 77 Branch | 2713 Highway 77 | Panama City | $57.8M |
| Community Bank of Mississippi | W. 23Rd Street Branch | 1602 W 23rd St | Panama City | $56.7M |
| Regions Bank | St Andrews Branch | 3109 W 23rd St | Panama City | $51M |
| Ameris Bank | Panama City Branch | 450 E 23rd St | Panama City | $43.5M |
| PeoplesSouth Bank | Panama City Branch | 400 W 23rd St | Panama City | $26.8M |
| PeoplesSouth Bank | Callawaybranch | 607 S Tyndall Pkwy | Panama City | $12.8M |
| United Community Bank | Panama City Branch | 1805 W. 23rd St. | Panama City | $9.96M |
| Renasant Bank | Panama City Branch | 701 Harrison Ave | Panama City | $9.27M |
| Capital City Bank | Lynn Haven Branch | 3436 Highway 77, Suite B | Panama City | $1.15M |
| Southeast First National Bank | Hutchison Boulevard Branch | 12720 Hutchison Blvd | Panama City | $125K |
Sources on this page
- University of Florida, Bureau of Economic and Business Research: University of Florida Bureau of Economic and Business Research, Florida Estimates of Population. Retrieved 2026-10-01. Lag: Estimates are as of April 1 and are published the following December or January; the April 1 figure for a year appears eight to nine months after that date.
- US Bureau of Labor Statistics: US Bureau of Labor Statistics, Local Area Unemployment Statistics. Retrieved 2026-10-01. Lag: County and city figures for a month are published about five weeks after it ends, preliminary, and revised the following month; the state about three weeks after.
- US Census Bureau: Economic Census geographic area series, retail trade and accommodation and food services, 2017 and 2022. Retrieved 2026-10-01.
- Florida Department of Revenue: Florida Department of Revenue, Local Government Tax Distributions by County (Form 4), Tourist Development Tax. Retrieved 2026-09-28.
- Florida Department of Revenue: Florida Department of Revenue, NAL tax roll, 2026 preliminary and final as posted. Retrieved 2026-10-03.
- BusinessFlare®: BusinessFlare® city-level sales and visitor spending estimate (method and error; the figures are Street Economics Pass data). Retrieved 2026-10-04.
- Florida Department of Business and Professional Regulation: Florida DBPR active licensure base files: public food service, public lodging and retail alcoholic beverage licenses. Retrieved 2026-10-01. Lag: Extracts are refreshed weekly; the statewide and county summaries are dated the first of each month.
- Florida Department of State, Division of Corporations: Florida Division of Corporations (Sunbiz) bulk corporate data files, new entity filings by month. Retrieved 2026-10-01. Lag: Filings are added to the daily file the day they are recorded; a month is complete once the daily files run past its end, and the latest month is preliminary until the next quarterly file includes it.
- US Census Bureau: County Business Patterns and ZIP Code Business Patterns, complete data files. Retrieved 2026-10-01. Lag: A year's data is released about 18 months after the March reference date.
- US Census Bureau: US Census Bureau, Building Permits Survey, place and county residential permits. Retrieved 2026-10-01. Lag: A month's place and county figures are released on the 17th working day of the following month, revised with each later release of the year; the annual table appears in May.
- Florida Department of Revenue: Florida Department of Revenue, NAL tax roll, 2025 (2025F), from the data portal's public records folders. Retrieved 2026-10-04. Bay County: 2025F\NAL_2025_13Bay_F.csv.
- Shimberg Center for Housing Studies, University of Florida: Shimberg Center for Housing Studies, Florida Housing Data Clearinghouse. Retrieved 2026-10-01. Lag: Most datasets are updated once a year on a cycle ending June 30; the Assisted Housing Inventory is updated several times a year (its user guide dates every input).
- Florida Department of Revenue, Revenue Accounting: Florida Department of Revenue, Revenue Confirmation Online, distributions to local governments. Retrieved 2026-10-01. Lag: A distribution is posted on the day it is paid, so the current month is partial until its last payment run; a month is complete once the following month has begun.
- Florida Legislature, Office of Economic and Demographic Research (EDR), from Annual Financial Reports filed with the Department of Financial Services: Florida Office of Economic and Demographic Research, Expenditures and Revenues Reported by Florida's County and Municipal Governments. Retrieved 2026-10-01. Lag: A local fiscal year ends September 30; the Annual Financial Report is due to the Department of Financial Services nine months later, and EDR tabulates the reports over the following year, so a fiscal year is usually published one to two years after it ends.
- Florida Department of Financial Services: Florida Department of Financial Services, LOGERx local government Annual Financial Report data, long-term debt outstanding. Retrieved 2026-10-04. Lag: filed within nine months of the fiscal year end (twelve with an audit); the latest year fills in through the following year.
- Federal Deposit Insurance Corporation: FDIC Summary of Deposits, Florida offices, every June 30 since 1994. Retrieved 2026-10-01. Lag: The June 30 survey is published in the following September or October.
Cards not shown
- Tourist tax: the county does not publish tourist tax collections by city
Every figure on this page is read from the place file below, which carries each figure with its value, period, source, source URL and retrieval date.
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