Florida / Housing data / Bay / Cedar Grove

Cedar Grove housing

Every table the Florida Housing Data Clearinghouse publishes for Cedar Grove (city, Bay County), as published by the Shimberg Center. A table the Center publishes only by county or region shows the county's figures and says so.

Cedar Grove.

At a glance

Households by Tenure, 2024 Estimatescomprehensive plan data1 row

published by county: the figures are Bay County's.

ACS Data Source	Owner	Margin of Error (+/-)	Renter	Margin of Error (+/-)	Total	Margin of Error (+/-)
2024 1-Year	55,810	3,119	29,283	3,132	85,093	3,136

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, 2024 American Community Survey 1-Year and 5-Year Estimates. Counts refer to the number of occupied units with each tenure type. The ACS is based on an annual sample of US households. The margin of error (+/-) is based on a 90% confidence level; that is, there is a 90% probability that the actual value falls within the range provided by subtracting and then adding the margin of error to the estimate. If margin of error is greater than the estimate, result is not statistically significantly different than zero.

Total Population, 2025 Estimatescomprehensive plan data1 row

published by county: the figures are Bay County's.

Population
199,950

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: US Census Bureau (2020 Census) and University of Florida, Bureau of Economic and Business Research (2024 Estimates)

Homeownership Rate (%), 1990 through 2024 Estimatesaffordability1 row

1990	2000	2010	2020	2024
74.0%

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, 1990 Census, 2000 Census, 2010 Census, 2020 Census, and 2020-2024 American Community Survey 5-Year Estimates. 1-year 2024 ACS estimates are available for 46 counties and 41 incorporated places. 5-year 2019-2023 estimates are used for the remaining counties and cities.

Renter Households, Cost Burden by Income, 2025 Estimate (Summary)affordability5 rows

published by county: the figures are Bay County's.

	Housing Cost Burden
Household Income	30% or less	30.1-50%	More than 50%
30% AMI or less	357	344	2,747
30.01-50% AMI	407	1,501	1,681
50.01-80% AMI	1,667	2,836	915
80.01-120% AMI	2,263	1,719	86
Greater than 120% AMI	7,978	1,100	117

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Estimates and projections by Shimberg Center for Housing Studies, based on U.S. Department of Housing Development, Comprehensive Housing Affordability Strategy (CHAS) dataset and population projections by the Bureau of Economic and Business Research, University of Florida

Median Gross Rent ($), 2024 Estimatesaffordability1 row

published by county: the figures are Bay County's.

ACS Data Source	Median Gross Rent	Margin of Error (+/-)
2024 1-Year	1,556	95

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, 2024 American Community Survey 1-Year and 5-Year Estimates. Includes contract rent and utilities. The ACS is based on an annual sample of US households. The margin of error (+/-) is based on a 90% confidence level; that is, there is a 90% probability that the actual value falls within the range provided by subtracting and then adding the margin of error to the estimate. If margin of error is greater than the estimate, result is not statistically significantly different than zero. 1-year 2024 ACS estimates are available for 46 counties and 41 incorporated places. 5-year 2020-2024 estimates are used for the remaining counties and cities.

Median and Mean Sales Prices, 1990-2025parcels and sales108 rows

published by county: the figures are Bay County's.

Year	Housing Type	Number of Sales	% Homesteaded	Mean Price, Nominal $	Mean Price, Real (2025 $)	Median Price, Nominal $	Median Price, Real (2025 $)
2025 (partial year)	Single Family	2,143	31.0%	$431,429	$431,429	$351,800	$351,800
2,024	Single Family	4,282	46.0%	$439,990	$452,052	$370,000	$380,143
2,023	Single Family	4,647	46.0%	$446,649	$472,448	$362,100	$383,016
2,022	Single Family	5,235	39.0%	$394,648	$434,558	$340,000	$374,383
2,021	Single Family	5,820	39.0%	$341,639	$406,311	$287,500	$341,923
2,020	Single Family	4,951	44.0%	$282,537	$351,862	$244,900	$304,989
2,019	Single Family	4,633	42.0%	$243,868	$307,386	$221,400	$279,066
2,018	Single Family	3,133	45.0%	$250,663	$321,739	$219,000	$281,098
2,017	Single Family	3,477	52.0%	$237,617	$312,460	$210,000	$276,144
2,016	Single Family	2,872	52.0%	$226,669	$304,398	$196,600	$264,017
2,015	Single Family	2,450	51.0%	$221,814	$301,648	$193,000	$262,464
2,014	Single Family	2,075	51.0%	$210,732	$286,940	$184,000	$250,542

First 12 of 108 rows.

56 blank cells: printed as NA by the Shimberg Center

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Florida Department of Revenue Sales Data File; Shimberg Center for Housing Studies tabulation of county property appraiser data. Nominal dollar amounts are not adjusted for inflation. Real dollar amounts are converted to the most recent year's dollars using the Consumer Price Index. Sales data are unavailable for Broward County and its jurisdictions for years 1990-2000. In other counties, the number of sales estimated for years 1990-1998 may be incomplete.Counts of sales from the most recent year represent partial year data, typically first two quarters of the year. Counts will be updated to full values in the following year.

Assisted Properties and Units by Funder, Summaryassisted housing inventory5 rows

published by county: the figures are Bay County's.

Funder	Properties	Total Units	Assisted Units	HUD/RD Rental Assistance Units	Public Housing ACC Units
Florida Housing Finance Corporation	29	2,825	2,663	369	22
HUD Multifamily	11	1,118	948	815
USDA Rural Development	1	37	37	27
HUD Public Housing	5	510	500	0	302
Total, All Funders	38	3,608	3,426	842	302

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Data sources and last updates available in AHI User Guide. Many properties receive funding from more than one agency, so properties and units may appear in more than one row. "Assisted Units" refers to units with income and rent restrictions. "HUD/RD Rental Assistance Units" refers to units subsidized through project-based rental assistance contracts with HUD or USDA Rural Development. Additional data definitions and special notes available in AHI User Guide. See also AHI Map.

Housing stock and tenure

Households by Tenure & Income (% AMI), 2010-2050 Estimates and Projections (Detail)comprehensive plan data80 rows

published by county: the figures are Bay County's.

Year	Tenure	Income	Households
2,010	Owner occupied	less than or equal to 30% of AMI	2,836
2,010	Owner occupied	greater than 30% but less than or equal to 50% of AMI	3,341
2,010	Owner occupied	greater than 50% but less than or equal to 80% of AMI	5,708
2,010	Owner occupied	greater than 80% but less than or equal to 100% of AMI	5,236
2,010	Owner occupied	greater than 100% of AMI	25,050
2,010	Renter occupied	less than or equal to 30% of AMI	3,047
2,010	Renter occupied	greater than 30% but less than or equal to 50% of AMI	3,150
2,010	Renter occupied	greater than 50% but less than or equal to 80% of AMI	4,632
2,010	Renter occupied	greater than 80% but less than or equal to 100% of AMI	3,558
2,010	Renter occupied	greater than 100% of AMI	7,640
2,020	Owner occupied	less than or equal to 30% of AMI	3,111
2,020	Owner occupied	greater than 30% but less than or equal to 50% of AMI	3,732

First 12 of 80 rows.

Population Projections, Permanent Residents, 2010-2050comprehensive plan data1 row

published by county: the figures are Bay County's.

Age	2010	2020	2025	2030	2035	2040	2045	2050
Total	168,852	175,216	199,951	211,697	220,900	228,702	235,299	241,197

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Estimates and projections by Shimberg Center for Housing Studies, based on 2010 and 2020 U.S. Census data and population projections by the Bureau of Economic and Business Research, University of Florida. Counts refer to estimated or projected number of persons.

Population Projections, Total (Permanent + Institutional), 2010-2050comprehensive plan data1 row

published by county: the figures are Bay County's.

Age	2010	2020	2025	2030	2035	2040	2045	2050
Total	168,852	175,216	199,951	211,697	220,900	228,702	235,299	241,197

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Estimates and projections by Shimberg Center for Housing Studies, based on 2010 and 2020 U.S. Census data and population projections by the Bureau of Economic and Business Research, University of Florida. Counts refer to estimated or projected number of persons.

Owner-Occupied Units by Value, 2024 Estimatescomprehensive plan data1 row

published by county: the figures are Bay County's.

ACS Data Source	<$50,000	Margin of Error (+/-)	$50,000-$99,999	Margin of Error (+/-)	$100,000-$149,999	Margin of Error (+/-)	$150,000-$199,999	Margin of Error (+/-)	$200,000-$299,999	Margin of Error (+/-)	$300,000-$499,999	Margin of Error (+/-)	$500,000-$999,999	Margin of Error (+/-)	$1,000,000-$1,499,999	Margin of Error (+/-)	$1,500,000-$1,999,999	Margin of Error (+/-)	>$2,000,000	Margin of Error (+/-)	Total	Margin of Error (+/-)
2024 1-Year	1,298	737	2,147	875	1,611	724	3,583	1,114	13,549	2,165	20,809	2,483	11,135	1,839	973	551	189	180	516	266	55,810	3,119

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, 2024 American Community Survey 1-Year and 5-Year Estimates. Counts refer to number of owner-occupied units in each home value category. Values are self-reported. The ACS is based on an annual sample of US households. The margin of error (+/-) is based on a 90% confidence level; that is, there is a 90% probability that the actual value falls within the range provided by subtracting and then adding the margin of error to the estimate. If margin of error is greater than the estimate, result is not statistically significantly different than zero.

Owner Costs as a Percentage of Household Income, 2024 Estimatescomprehensive plan data1 row

published by county: the figures are Bay County's.

ACS Data Source	With Mortgage, Less than 30%	Margin of Error (+/-)	With Mortgage, More than 30%	Margin of Error (+/-)	Without Mortgage, Less than 30%	Margin of Error (+/-)	Without Mortgage, More than 30%	Margin of Error (+/-)
2024 1-Year	19,886	2,505	11,276	1,994	21,326	2,554	3,272	1,149

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, 2024 American Community Survey 1-Year and 5-Year Estimates. The ACS is based on an annual sample of US households. The margin of error (+/-) is based on a 90% confidence level; that is, there is a 90% probability that the actual value falls within the range provided by subtracting and then adding the margin of error to the estimate. If margin of error is greater than the estimate, result is not statistically significantly different than zero.

Year Structure Built, 2024 Estimatescomprehensive plan data1 row

published by county: the figures are Bay County's.

ACS Data Source	2010 or After	Margin of Error (+/-)	2000-2009	Margin of Error (+/-)	1990-1999	Margin of Error (+/-)	1980-1989	Margin of Error (+/-)	1970-1979	Margin of Error (+/-)	1960-1969	Margin of Error (+/-)	1950-1959	Margin of Error (+/-)	1940-1949	Margin of Error (+/-)	1939 or Earlier	Margin of Error (+/-)	Total	Margin of Error (+/-)	2010 or After (%)	Margin of Error (+/-)	2000-1999 (%)	Margin of Error (+/-)	1990-1999 (%)	Margin of Error (+/-)	1980-1989 (%)	Margin of Error (+/-)	1970-1979 (%)	Margin of Error (+/-)	1960-1969 (%)	Margin of Error (+/-)	1959 or Earlier (%)	Margin of Error (+/-)
2024 1-Year	24,876	3,083	24,326	2,687	14,218	2,423	22,167	2,213	13,371	2,198	3,645	996	5,578	1,481	2,825	921	1,991	925	112,997	63	22.0	2.73	21.5	2.38	12.6	2.14	19.6	1.96	11.8	1.95	3.2	0.88	9.2	1.75

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, 2024 American Community Survey 1-Year and 5-Year Estimates. Counts refer to number of units built in each year range. The ACS is based on an annual sample of US households. The margin of error (+/-) is based on a 90% confidence level; that is, there is a 90% probability that the actual value falls within the range provided by subtracting and then adding the margin of error to the estimate. If margin of error is greater than the estimate, result is not statistically significantly different than zero.

Farmworker Housing Needs, 2025comprehensive plan data1 row

published by county: the figures are Bay County's.

Total Unaccompanied Workers	Supply: DOH Permitted Camp Beds	Need for Single Worker Beds	Accompanied Migrant & Seasonal Households	Supply: RD & Florida Housing Multifamily Units	Need for Multifamily Units
28	6	22	35	0	35

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Bureau of Labor Statistics, 2023 Quarterly Census of Employment and Wages; U.S. Department of Labor, National Agricultural Workers Survey (multiple years); U.S. Department of Labor, Office of Foreign Labor Certification, 2024 H-2A Disclosure Data; Florida Department of Health; Shimberg Center for Housing Studies, Assisted Housing Inventory. Need for beds for single workers is calculated by subtracting the estimated number of unaccompanied workers from the number of beds available in migrant labor camps permitted by the Florida Department of Health. Counties with negative need for single worker beds have higher than average shares of migrant workers and large supplies of migrant camp beds, which may serve workers during multiple harvesting periods. Need for beds for workers accompanied by other household members is calculated by subtracting the estimated number of households from the supply of farmworker housing subsidized by USDA Rural Development and Florida Housing. For more information, see the 2025 Rental Market Study.

Affordability and cost burden

All Households, Cost Burden by Income, 2025 Estimate (Summary)affordability5 rows

published by county: the figures are Bay County's.

	Housing Cost Burden
Household Income	30% or less	30.1-50%	More than 50%
30% AMI or less	1,002	1,451	4,635
30.01-50% AMI	2,639	2,411	2,901
50.01-80% AMI	6,258	4,893	1,685
80.01-120% AMI	7,040	3,380	402
Greater than 120% AMI	39,038	2,891	412

Owner-Occupied Households, Cost Burden by Income, 2025 Estimate (Summary)affordability5 rows

published by county: the figures are Bay County's.

	Housing Cost Burden
Household Income	30% or less	30.1-50%	More than 50%
30% AMI or less	645	1,107	1,888
30.01-50% AMI	2,232	910	1,220
50.01-80% AMI	4,591	2,057	770
80.01-120% AMI	4,777	1,661	316
Greater than 120% AMI	31,060	1,791	295

Median Income ($) by Tenure, 2024 Estimatesaffordability1 row

published by county: the figures are Bay County's.

ACS Data Source	Owner Median Income ($)	Margin of Error (+/-)	Renter Median Income ($)	Margin of Error (+/-)	All Households	Margin of Error (+/-)
2024 1-Year	91,831	6,267	51,698	3,881	78,061	4,942

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, 2024 American Community Survey 1-Year and 5-Year Estimates. The ACS is based on an annual sample of US households. The margin of error (+/-) is based on a 90% confidence level; that is, there is a 90% probability that the actual value falls within the range provided by subtracting and then adding the margin of error to the estimate. If margin of error is greater than the estimate, result is not statistically significantly different than zero. 1-year 2024 ACS estimates are available for 46 counties and 41 incorporated places. 5-year 2020-2024 estimates are used for the remaining counties and cities.

Owner Households by Monthly Housing Costs 2024 Estimates (with a Mortgage)affordability1 row

published by county: the figures are Bay County's.

ACS Data Source	<$200	Margin of Error (+/-)	$200-$299	Margin of Error (+/-)	$300-$399	Margin of Error (+/-)	$400-$499	Margin of Error (+/-)	$500-$599	Margin of Error (+/-)	$600-$699	Margin of Error (+/-)	$700-$799	Margin of Error (+/-)	$800-$899	Margin of Error (+/-)	$900-$999	Margin of Error (+/-)	$1,000-$1,249	Margin of Error (+/-)	$1,250-$1,499	Margin of Error (+/-)	$1,500-$1,999	Margin of Error (+/-)	$2,000-$2,499	Margin of Error (+/-)	$2,500-$2,999	Margin of Error (+/-)	$3,000-$3,499	Margin of Error (+/-)	$3,500-$3,999	Margin of Error (+/-)	>$4,000	Margin of Error (+/-)	Total	Margin of Error (+/-)
2024 1-Year											276	194	345	321	597	407	688	614	2,243	747	2,815	908	7,477	1,420	6,966	1,594	4,801	1,532	1,746	861	1,378	646	1,635	617	31,162	2,835

10 blank cells: printed as a dash by the Shimberg Center

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, 2024 American Community Survey 1-Year and 5-Year Estimates. Counts refer to the number of households with monthly owner costs in each dollar range. Monthly owner costs including mortgage (if any), taxes, insurance, utilities, and association fees. The ACS is based on an annual sample of US households. The margin of error (+/-) is based on a 90% confidence level; that is, there is a 90% probability that the actual value falls within the range provided by subtracting and then adding the margin of error to the estimate. If margin of error is greater than the estimate, result is not statistically significantly different than zero. 1-year 2024 ACS estimates are available for 46 counties and 41 incorporated places. 5-year 2020-2024 estimates are used for the remaining counties and cities.

Owner Households by Monthly Housing Costs 2024 Estimates (without a Mortgage)affordability1 row

published by county: the figures are Bay County's.

ACS Data Source	<$100	Margin of Error (+/-)	$100-$149	Margin of Error (+/-)	$150-$199	Margin of Error (+/-)	$200-$249	Margin of Error (+/-)	$250-$299	Margin of Error (+/-)	$300-$349	Margin of Error (+/-)	$350-$399	Margin of Error (+/-)	$400-$499	Margin of Error (+/-)	$500-$599	Margin of Error (+/-)	$600-$699	Margin of Error (+/-)	$700-$799	Margin of Error (+/-)	$800-$899	Margin of Error (+/-)	$900-$999	Margin of Error (+/-)	$1000-$1099	Margin of Error (+/-)	$1100-$1199	Margin of Error (+/-)	$1200-$1299	Margin of Error (+/-)	$1300-$1399	Margin of Error (+/-)	$1400-$1499	Margin of Error (+/-)	>$1500	Margin of Error (+/-)	Total Not Mortgaged	Margin of Error (+/-)
2024 1-Year					1,016	588	883	550	1,427	782	859	464	1,304	683	3,166	1,201	2,929	914	1,918	644	2,556	783	1,679	783	1,264	488	1,272	768	682	382	545	418	1,032	641	350	243	1,378	430	24,648	2,136

4 blank cells: printed as a dash by the Shimberg Center

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, 2024 American Community Survey 1-Year and 5-Year Estimates. Counts refer to the number of households with monthly owner costs in each dollar range. Monthly owner costs including mortgage (if any), taxes, insurance, utilities, and association fees. The ACS is based on an annual sample of US households. The margin of error (+/-) is based on a 90% confidence level; that is, there is a 90% probability that the actual value falls within the range provided by subtracting and then adding the margin of error to the estimate. If margin of error is greater than the estimate, result is not statistically significantly different than zero. 1-year 2024 ACS estimates are available for 46 counties and 41 incorporated places. 5-year 2020-2024 estimates are used for the remaining counties and cities.

Owner Households by Housing Costs as a Percentage of Household Income, 2024 Estimatesaffordability1 row

published by county: the figures are Bay County's.

ACS Data Source	With Mortgage, Less than 30%	Margin of Error (+/-)	With Mortgage, More than 30%	Margin of Error (+/-)	Without Mortgage, Less than 30%	Margin of Error (+/-)	Without Mortgage, More than 30%	Margin of Error (+/-)
2024 1-Year	19,886	2,505	11,276	1,994	21,326	2,554	3,272	1,149

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, 2024 American Community Survey 1-Year and 5-Year Estimates. Counts refer to the number of households with monthly owner costs in each dollar range. Monthly owner costs including mortgage (if any), taxes, insurance, utilities, and association fees. The ACS is based on an annual sample of US households. The margin of error (+/-) is based on a 90% confidence level; that is, there is a 90% probability that the actual value falls within the range provided by subtracting and then adding the margin of error to the estimate. If margin of error is greater than the estimate, result is not statistically significantly different than zero. 1-year 2024 ACS estimates are available for 46 counties and 41 incorporated places. 5-year 2020-2024 estimates are used for the remaining counties and cities.

Renter Households by Gross Rent, 2024 Estimatesaffordability1 row

published by county: the figures are Bay County's.

ACS Data Source	<$200	Margin of Error (+/-)	$200-$299	Margin of Error (+/-)	$300-$499	Margin of Error (+/-)	$500-$749	Margin of Error (+/-)	$750-$999	Margin of Error (+/-)	$1,000-$1,499	Margin of Error (+/-)	$1,500-$1,999	Margin of Error (+/-)	$2,000-$2,499	Margin of Error (+/-)	$2,500-$2,999	Margin of Error (+/-)	$3,000-$3,499	Margin of Error (+/-)	$3,500 or More	Margin of Error (+/-)	No Cash Rent	Margin of Error (+/-)	Total	Margin of Error (+/-)
2020-2024 5-Year			163	99	450	199	956	277	2,390	503	8,861	812	7,959	749	3,067	515	678	261	280	149	287	163	959	263	26,118	1,149

2 blank cells: printed as a dash by the Shimberg Center

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, 2024 American Community Survey 1-Year and 5-Year Estimates. Includes contract rent and utilities. The ACS is based on an annual sample of US households. The margin of error (+/-) is based on a 90% confidence level; that is, there is a 90% probability that the actual value falls within the range provided by subtracting and then adding the margin of error to the estimate. If margin of error is greater than the estimate, result is not statistically significantly different than zero. 1-year 2024 ACS estimates are available for 46 counties and 41 incorporated places. 5-year 2020-2024 estimates are used for the remaining counties and cities.

Gross Rent as a Percentage of Household Income, 2024 Estimatesaffordability1 row

published by county: the figures are Bay County's.

ACS Data Source	Less than 30%	Margin of Error (+/-)	30-49.9%	Margin of Error (+/-)	50% or More	Margin of Error (+/-)	Total - Not computed	Margin of Error (+/-)
2024 1-Year	11,391	2,587	9,403	2,036	6,578	1,666	1,911	871

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, 2024 American Community Survey 1-Year and 5-Year Estimates. Counts refer to number of households paying less than 30%, 30-49.9%, and 50% or more of income for gross rent. Gross rent includes contract rent and utilities. The ACS is based on an annual sample of US households. The margin of error (+/-) is based on a 90% confidence level; that is, there is a 90% probability that the actual value falls within the range provided by subtracting and then adding the margin of error to the estimate. If margin of error is greater than the estimate, result is not statistically significantly different than zero. 1-year 2024 ACS estimates are available for 46 counties and 41 incorporated places. 5-year 2020-2024 estimates are used for the remaining counties and cities.

Affordable and Available Rental Units per 100 Renters, Florida Regions, 2024affordability1 row

published by region: the figures are Bay County's.

County	0-30% AMI	0-40% AMI	0-50% AMI	0-60% AMI	0-80% AMI	0-100% AMI	0-120% AMI	0-140% AMI
Bay	32	34	37	53	94	101	111	111

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Shimberg Center for Housing Studies analysis of 2024 American Community Survey PUMS. Affordable units are those for which a household at the given income limit (% AMI) would pay no more than 30% of income for gross rent. Affordable/available units are affordable at that income level and either vacant or occupied by a household below the income threshold. For additional explanation of affordable/available methods, see the 2025 Rental Market Study, pp. 37-77

Surplus/Deficit of Affordable/Available Units by Income, Florida Regions, 2024affordability1 row

published by region: the figures are Bay County's.

County	0-30% AMI	0-40% AMI	0-50% AMI	0-60% AMI	0-80% AMI	0-100% AMI	0-120% AMI	0-140% AMI
Bay	-3,357	-4,131	-5,431	-5,295	-932	113	2,425	2,711

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Shimberg Center for Housing Studies analysis of 2024 American Community Survey PUMS. Affordable units are those for which a household at the given income limit (% AMI) would pay no more than 30% of income for gross rent. Affordable/available units are affordable at that income level and either vacant or occupied by a household below the income threshold. Surplus/Deficit of Affordable/Available Units for a particular income range shows the number of affordable/available units in the range minus the number of renter households in that range. For additional explanation of affordable/available methods, see the 2025 Rental Market Study, pp. 37-77

Housing Units by Type of Structure, 2024 Estimatesaffordability1 row

published by county: the figures are Bay County's.

ACS Data Source	1, detached	Margin of Error (+/-)	1, attached	Margin of Error (+/-)	2	Margin of Error (+/-)	3 or 4	Margin of Error (+/-)	5 to 9	Margin of Error (+/-)	10 to 19	Margin of Error (+/-)	20 or more	Margin of Error (+/-)	Mobile Home or Trailer	Margin of Error (+/-)	Other	Margin of Error (+/-)	Total	Margin of Error (+/-)
2024 1-Year	59,752	3,505	6,636	1,461	3,290	1,115	5,399	1,798	4,617	1,744	3,888	1,287	21,189	2,693	8,042	1,470	184	166	112,997	63

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, 2024 American Community Survey 1-Year and 5-Year Estimates. Counts refer to the number of households with monthly owner costs in each dollar range. Monthly owner costs including mortgage (if any), taxes, insurance, utilities, and association fees. The ACS is based on an annual sample of US households. The margin of error (+/-) is based on a 90% confidence level; that is, there is a 90% probability that the actual value falls within the range provided by subtracting and then adding the margin of error to the estimate. If margin of error is greater than the estimate, result is not statistically significantly different than zero. 1-year 2024 ACS estimates are available for 46 counties and 41 incorporated places. 5-year 2020-2024 estimates are used for the remaining counties and cities.

Vacancy and Occupancy Status, 2024 Estimatesaffordability1 row

published by county: the figures are Bay County's.

ACS Data Source	For Rent	For Sale Only	Rented or Sold Not Occupied	Seasonal,Recreational or Occasional Use	For Migrant Workers	Other Vacant	Total Vacant	Total Occupied	Total Units
2024 1-Year	4,433	592	432	20,018	464	1,965	27,904	85,093	112,997

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, 2024 American Community Survey 1-Year and 5-Year Estimates. The ACS is based on an annual sample of US households. The margin of error (+/-) is based on a 90% confidence level; that is, there is a 90% probability that the actual value falls within the range provided by subtracting and then adding the margin of error to the estimate. If margin of error is greater than the estimate, result is not statistically significantly different than zero. 1-year 2024 ACS estimates are available for 46 counties and 41 incorporated places. 5-year 2020-2024 estimates are used for the remaining counties and cities.

Substandard Housing, 2024 Estimatesaffordability1 row

published by county: the figures are Bay County's.

ACS Data Source	1.01 or More Persons per Room	Share of Occupied Units (%)	No Fuel Used	Share of Occupied Units (%)	Lacking Complete Kitchen Facilities	Share of Occupied Units (%)	Lacking Complete Plumbing Facilities	Share of Occupied Units (%)
2024 1-Year	2,468	2.9	508	60.0%	1,103	100.0%	431	40.0%

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, 2024 American Community Survey 1-Year and 5-Year Estimates. The ACS is based on an annual sample of US households. The margin of error (+/-) is based on a 90% confidence level; that is, there is a 90% probability that the actual value falls within the range provided by subtracting and then adding the margin of error to the estimate. If margin of error is greater than the estimate, result is not statistically significantly different than zero. 1-year 2024 ACS estimates are available for 46 counties and 41 incorporated places. 5-year 2020-2024 estimates are used for the remaining counties and cities.

Wage and Rent Comparison by Industry, 2024affordability18 rows

published by county: the figures are Bay County's.

Industry	2024 Average Hourly Wage (2025 $)	2024 Average Annual Wage (2025 $)	Maximum Affordable Rent (30% of Income)	2025 HUD 2BR Fair Market Rent	% Income Needed for 2 BR FMR	# of Workers in 2024	2025 3-Person Median Income	Annual Wage as Percent of 3-Person AMI
Accommodation and Food Services	$15	$31,661	$792	$1,609	61.0%	12,875	$84,700	37.0%
Administrative and Waste Services	$23	$48,387	$1,210	$1,609	40.0%	5,038	$84,700	57.0%
Agriculture, Forestry, Fishing & Hunting	$24	$49,576	$1,239	$1,609	39.0%	198	$84,700	59.0%
Arts, Entertainment, and Recreation	$15	$30,849	$771	$1,609	63.0%	1,497	$84,700	36.0%
Construction	$30	$62,053	$1,551	$1,609	31.0%	6,952	$84,700	73.0%
Educational Services	$22	$45,831	$1,146	$1,609	42.0%	5,543	$84,700	54.0%
Finance and Insurance	$48	$99,155	$2,479	$1,609	19.0%	1,894	$84,700	117.0%
Health Care and Social Assistance	$30	$63,216	$1,580	$1,609	31.0%	9,965	$84,700	75.0%
Information	$32	$66,436	$1,661	$1,609	29.0%	675	$84,700	78.0%
Management of Companies and Enterprises	$51	$106,497	$2,662	$1,609	18.0%	141	$84,700	126.0%
Mining	$31	$64,547	$1,614	$1,609	30.0%	20	$84,700	76.0%
Professional and Technical Services	$38	$78,924	$1,973	$1,609	24.0%	5,346	$84,700	93.0%
Public Administration	$41	$85,492	$2,137	$1,609	23.0%	7,011	$84,700	101.0%
Real Estate and Rental and Leasing	$25	$52,834	$1,321	$1,609	37.0%	2,861	$84,700	62.0%
Retail Trade	$19	$39,541	$989	$1,609	49.0%	12,243	$84,700	47.0%
Transportation and Warehousing	$26	$54,836	$1,371	$1,609	35.0%	1,897	$84,700	65.0%
Utilities	$43	$90,072	$2,252	$1,609	21.0%	164	$84,700	106.0%
Wholesale Trade	$31	$64,777	$1,619	$1,609	30.0%	2,413	$84,700	76.0%

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Florida Department of Commerce, 2023 Occupational Employment Statistics and Wages; 2024 HUD Fair Market Rent. Based on average annual wages for industry sector, converted to hourly wages by dividing by 2000 (assumes 40-hour work week, 50 weeks per year). 2023 wage data converted to 2024 dollars using the Consumer Price Index. 2023 wage data converted to 2024 dollars using the Consumer Price Index.

Wage and Rent Comparison by Occupation, 2025affordability52 rows

published by region: the figures are Bay County's.

Geography	Occupation	Median Hourly Wage (2025 $)	Maximum Affordable Rent (30% of Income)	2025 HUD 2BR Fair Market Rent	% Income Needed for 2 BR, Median Wage Worker	Annual Wage as a % AMI for a Family of 3
Panama City, FL MSA	Automotive Service Technicians and Mechanics	$23	$1,211	$1,609	40.0%	57.2%
Panama City, FL MSA	Bartenders	$14	$742	$1,609	65.0%	35.0%
Panama City, FL MSA	Carpenters	$23	$1,212	$1,609	40.0%	57.2%
Panama City, FL MSA	Cashiers	$14	$715	$1,609	67.0%	33.8%
Panama City, FL MSA	Child, Family, and School Social Workers	$30	$1,569	$1,609	31.0%	74.1%
Panama City, FL MSA	Childcare Workers	$14	$754	$1,609	64.0%	35.6%
Panama City, FL MSA	Construction Laborers	$19	$988	$1,609	49.0%	46.7%
Panama City, FL MSA	Cooks, Restaurant	$17	$897	$1,609	54.0%	42.4%
Panama City, FL MSA	Correctional Officers and Jailers	$23	$1,175	$1,609	41.0%	55.5%
Panama City, FL MSA	Customer Service Representatives	$18	$932	$1,609	52.0%	44.0%
Panama City, FL MSA	Dental Assistants	$23	$1,184	$1,609	41.0%	55.9%
Panama City, FL MSA	Dishwashers	$14	$730	$1,609	66.0%	34.5%

First 12 of 52 rows.

2 blank cells: printed as NA by the Shimberg Center

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Florida Department of Commerce, 2024 Occupational Employment and Wage Statistics; 2024 HUD Fair Market Rent. Statewide FMRs come from the National Low Income Housing Coalition's Out of Reach report and are averages weighted by the number of renters in each county. 2024 wage data converted to 2024 dollars using the Consumer Price Index.

Households by Tenure, Race/Ethnicity, and Income (% AMI), 2018-2022affordability60 rows

published by county: the figures are Bay County's.

Tenure	Race/Ethnicity	Household Income	Households
Owner occupied	American Indian or Alaska Native alone, non-Hispanic	30% or Less of HAMFI	4
Owner occupied	American Indian or Alaska Native alone, non-Hispanic	30.01 to 50% HAMFI	0
Owner occupied	American Indian or Alaska Native alone, non-Hispanic	50.01 to 80% HAMFI	40
Owner occupied	American Indian or Alaska Native alone, non-Hispanic	80.01 to 100% of HAMFI	0
Owner occupied	American Indian or Alaska Native alone, non-Hispanic	Greater than 100% of HAMFI	45
Owner occupied	Asian alone, non-Hispanic	30% or Less of HAMFI	135
Owner occupied	Asian alone, non-Hispanic	30.01 to 50% HAMFI	70
Owner occupied	Asian alone, non-Hispanic	50.01 to 80% HAMFI	120
Owner occupied	Asian alone, non-Hispanic	80.01 to 100% of HAMFI	50
Owner occupied	Asian alone, non-Hispanic	Greater than 100% of HAMFI	465
Owner occupied	Black or African-American alone, non-Hispanic	30% or Less of HAMFI	325
Owner occupied	Black or African-American alone, non-Hispanic	30.01 to 50% HAMFI	330

First 12 of 60 rows.

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Department of Housing and Urban Development, 2018-2022 Comprehensive Housing Affordability Strategy (CHAS) dataset. '-' indicates value that is not statistically significantly different than zero.

Households by Tenure, Race/Ethnicity, and Cost Burden, 2018-2022affordability14 rows

published by county: the figures are Bay County's.

Tenure	Race/Ethnicity	30% or less	30.1-50%	More than 50%	Not computed
Owner	American Indian or Alaska Native alone, non-Hispanic	65	25	0	0
Owner	Asian alone, non-Hispanic	560	165	70	50
Owner	Black or African-American alone, non-Hispanic	2,270	495	585	0
Owner	Hispanic, any race	1,465	170	90	10
Owner	Pacific Islander alone, non-Hispanic	4	0	20	0
Owner	White alone, non-Hispanic	34,195	5,960	3,245	355
Owner	other (including multiple races, non-Hispanic)	1,125	105	135	45
Renter	American Indian or Alaska Native alone, non-Hispanic	10	15	25	0
Renter	Asian alone, non-Hispanic	110	145	55	0
Renter	Black or African-American alone, non-Hispanic	1,220	1,750	1,370	20
Renter	Hispanic, any race	1,175	635	440	4
Renter	Pacific Islander alone, non-Hispanic	15	4	0	0
Renter	White alone, non-Hispanic	8,420	4,055	2,855	95
Renter	other (including multiple races, non-Hispanic)	535	190	265	50

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Sources: U.S. Department of Housing and Urban Development, 2018-2022 Comprehensive Housing Affordability Strategy (CHAS) dataset. '-' indicates value that is not statistically significantly different than zero.

Households by Tenure, Race, and Age of Householder, 2020-2024affordability8 rows

published by region: the figures are Bay County's.

Race/Ethnicity	Age of Householder	Owners	Renters	Total	Homeownership Rate
White, Non-Hispanic	64 or Younger	29,675	12,341	42,016	71.0%
White, Non-Hispanic	65 & Older	15,700	2,428	18,128	87.0%
Black, Non-Hispanic	64 or Younger	1,909	4,516	6,425	30.0%
Black, Non-Hispanic	65 & Older	1,358	231	1,589	85.0%
Other, Non-Hispanic	64 or Younger	2,366	2,051	4,417	54.0%
Other, Non-Hispanic	65 & Older	690	124	814	85.0%
Hispanic	64 or Younger	2,177	2,558	4,735	46.0%
Hispanic	65 & Older	521	132	653	80.0%

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Shimberg Center tabulation of U.S. Census Bureau, 2020-2024 American Community Survey. '-' signifies value that is not statistically significantly different from zero.

Households by Tenure, Household Type, and Cost Burden, 2020-2024affordability4 rows

published by region: the figures are Bay County's.

Geography	Household Type	Owner/Not Cost Burdened	Owner Cost Burdened	Renter/Not Cost Burdened	Renter Cost Burdened
Bay County	Married Couple Household	25,399	5,255	3,580	2,700
Bay County	Male Only Headed Family	1,875	523	889	630
Bay County	Female Only Headed Family	3,045	1,435	1,589	3,132
Bay County	Non-family household	11,119	5,745	5,875	5,986

ALICE (Asset Limited, Income Constrained, Employed) Household Survival Budget, 2024affordability11 rows

published by county: the figures are Bay County's.

Monthly Costs	Single Adult	One Adult, One Child	One Adult, One in Childcare	Two Adults	Two Adults, Two Children	Two Adults, Two in Childcare	Single Adult 65+	Two Adults 65+
Housing	$1,452	$1,485	$1,485	$1,485	$1,744	$1,744	$1,452	$1,485
Child Care	$0	$258	$688	$0	$516	$1,833	$0	$0
Food	$510	$863	$774	$936	$1,569	$1,384	$470	$862
Transportation	$424	$516	$516	$598	$869	$869	$362	$475
Health Care	$189	$529	$529	$529	$900	$900	$514	$1,027
Technology	$97	$97	$97	$131	$131	$131	$97	$131
Miscellaneous	$267	$375	$409	$368	$573	$686	$290	$398
Taxes	$412	$781	$854	$471	$1,341	$1,585	$460	$695
Monthly Total	$3,351	$4,470	$4,918	$4,518	$6,777	$8,266	$3,645	$5,073
Annual Total	$40,212	$53,640	$59,016	$54,216	$81,324	$99,192	$43,740	$60,876
Hourly Wage	$20	$27	$30	$27	$41	$50	$22	$30

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: United for ALICE, ALICE in Florida: Household budgets (2024 data year). According to United for ALICE, "The Household Survival Budget reflects the minimum cost to live and work in today's economy and includes housing, child care, food, transportation, health care, and technology, plus taxes and a 10% miscellaneous category."

Household and population projections

Household Projections by Tenure, Income (%AMI) and Cost Burden, 2020-2050 (Detail)population and household projections210 rows

published by county: the figures are Bay County's.

Year	Tenure	Household Income	Housing Cost Burden	Household Count
2,020	Owner occupied	less than or equal to 30% of AMI	less than or equal to 30%	551
2,020	Owner occupied	less than or equal to 30% of AMI	greater than 30% but less than or equal to 50%	944
2,020	Owner occupied	less than or equal to 30% of AMI	greater than 50%	1,616
2,020	Owner occupied	greater than 30% but less than or equal to 50% of AMI	less than or equal to 30%	1,907
2,020	Owner occupied	greater than 30% but less than or equal to 50% of AMI	greater than 30% but less than or equal to 50%	781
2,020	Owner occupied	greater than 30% but less than or equal to 50% of AMI	greater than 50%	1,044
2,020	Owner occupied	greater than 50% but less than or equal to 80% of AMI	less than or equal to 30%	3,918
2,020	Owner occupied	greater than 50% but less than or equal to 80% of AMI	greater than 30% but less than or equal to 50%	1,755
2,020	Owner occupied	greater than 50% but less than or equal to 80% of AMI	greater than 50%	657
2,020	Owner occupied	greater than 80% but less than or equal to 100% of AMI	less than or equal to 30%	4,078
2,020	Owner occupied	greater than 80% but less than or equal to 100% of AMI	greater than 30% but less than or equal to 50%	1,425
2,020	Owner occupied	greater than 80% but less than or equal to 100% of AMI	greater than 50%	268

First 12 of 210 rows.

Population by Age Projections, Permanent Residents, 2010-2050population and household projections17 rows

published by county: the figures are Bay County's.

Age	2010	2020	2025	2030	2035	2040	2045	2050
0-4	10,633	8,911	10,696	11,706	12,693	13,619	14,441	15,237
5-9	10,014	9,785	9,811	10,858	11,745	12,667	13,524	14,271
10-14	9,993	10,561	11,510	10,532	11,445	12,272	13,134	13,936
15-19	10,889	10,190	11,489	11,552	10,403	11,315	12,084	12,887
20-24	11,624	9,565	11,797	12,313	12,291	11,096	11,960	12,715
25-29	11,754	10,606	10,630	12,239	12,783	12,761	11,503	12,366
30-34	10,396	11,387	11,412	10,508	12,026	12,542	12,493	11,233
35-39	10,322	11,445	12,905	11,966	10,850	12,325	12,782	12,666
40-44	11,259	10,579	13,096	13,611	12,483	11,223	12,698	13,089
45-49	13,579	10,922	11,962	13,821	14,213	12,954	11,578	13,041
50-54	12,929	11,901	12,543	12,713	14,540	14,889	13,511	12,031
55-59	10,925	13,917	13,451	13,164	13,182	14,994	15,266	13,777
60-64	9,976	13,048	15,749	14,040	13,560	13,507	15,279	15,491
65-69	7,731	10,813	14,349	16,076	14,118	13,562	13,457	15,168
70-74	5,947	8,957	11,283	14,052	15,583	13,661	13,110	13,012
75+	10,881	12,629	17,268	22,546	28,985	35,315	38,479	40,277
Total	168,852	175,216	199,951	211,697	220,900	228,702	235,299	241,197

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Estimates and projections by Shimberg Center for Housing Studies, based on 2010 and 2020 U.S. Census data and population projections by the Bureau of Economic and Business Research, University of Florida. Counts refer to estimated or projected number of persons.

Population by Age Projections, Total (Permanent + Institutional), 2010-2050population and household projections17 rows

published by county: the figures are Bay County's.

Age	2010	2020	2025	2030	2035	2040	2045	2050
0-4	10,633	8,911	10,696	11,706	12,693	13,619	14,441	15,237
5-9	10,014	9,785	9,811	10,858	11,745	12,667	13,524	14,271
10-14	9,993	10,561	11,510	10,532	11,445	12,272	13,134	13,936
15-19	10,889	10,190	11,489	11,552	10,403	11,315	12,084	12,887
20-24	11,624	9,565	11,797	12,313	12,291	11,096	11,960	12,715
25-29	11,754	10,606	10,630	12,239	12,783	12,761	11,503	12,366
30-34	10,396	11,387	11,412	10,508	12,026	12,542	12,493	11,233
35-39	10,322	11,445	12,905	11,966	10,850	12,325	12,782	12,666
40-44	11,259	10,579	13,096	13,611	12,483	11,223	12,698	13,089
45-49	13,579	10,922	11,962	13,821	14,213	12,954	11,578	13,041
50-54	12,929	11,901	12,543	12,713	14,540	14,889	13,511	12,031
55-59	10,925	13,917	13,451	13,164	13,182	14,994	15,266	13,777
60-64	9,976	13,048	15,749	14,040	13,560	13,507	15,279	15,491
65-69	7,731	10,813	14,349	16,076	14,118	13,562	13,457	15,168
70-74	5,947	8,957	11,283	14,052	15,583	13,661	13,110	13,012
75+	10,881	12,629	17,268	22,546	28,985	35,315	38,479	40,277
Total	168,852	175,216	199,951	211,697	220,900	228,702	235,299	241,197

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Estimates and projections by Shimberg Center for Housing Studies, based on 2010 and 2020 U.S. Census data and population projections by the Bureau of Economic and Business Research, University of Florida. Counts refer to estimated or projected number of persons.

Components of Population Change, 2025population and household projections1 row

published by county: the figures are Bay County's.

Births	Deaths	Natural Change (Births - Deaths)	International Migration	Domestic Migration	Net Migration (International + Domestic)	All Population Change	Total Population, 2024	Total Population, 2025	% Change
2,227	1,967	260	1,075	3,010	4,085	4,337	200,142	204,479	2.2%

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, Annual and Cumulative Estimates of the Components of Resident Population Change for Counties in Florida: April 1, 2020 to July 1, 2025 . Change measured between July of previous year and July of reference year; for example, 2025 refers to change between July 2024 and July 2025. "All Population Change" includes natural change, migration, and a residual that cannot be attributed to any specific demographic component. Annual population estimates vary from the Total Population table (UF BEBR estimates) due to methodological differences.

Migration History, 2021-2025population and household projections1 row

published by county: the figures are Bay County's.

International Migration 2021	Domestic Migration 2021	Net Migration 2021	International Migration 2022	Domestic Migration 2022	Net Migration 2022	International Migration 2023	Domestic Migration 2023	Net Migration 2023	International Migration 2024	Domestic Migration 2024	Net Migration 2024	International Migration 2025	Domestic Migration 2025	Net Migration 2025
181	5,443	5,624	1,400	5,210	6,610	1,895	4,761	6,656	2,004	4,957	6,961	1,075	3,010	4,085

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, Annual Resident Population Estimates, Estimated Components of Resident Population Change, and Rates of the Components of Resident Population Change for States and Counties: April 1, 2020 to July 1, 2025. Annual changes measured between July of previous year and July of reference year; for example, 2025 refers to change between July 2024 and July 2025. "Net Migration" is the sum of international and domestic migration for that year.

Households by Tenure and Age of Householder, 2024 Estimatespopulation and household projections5 rows

published by county: the figures are Bay County's.

ACS Data Source	Age of Householder	Owners	Margin of Error (+/-)	Renters	Margin of Error (+/-)	Homeownership Rate
2024 1-Year	15-34	6,579	1,735	10,704	2,292	38%
2024 1-Year	35-54	18,225	1,787	10,296	1,968	64%
2024 1-Year	55-64	11,837	1,557	4,355	1,208	73%
2024 1-Year	65 and older	19,169	1,648	3,928	1,212	83%
2024 1-Year	Total	55,810	3,119	29,283	3,132	66%

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, 2024 American Community Survey 1-Year and 5-Year Estimates. The ACS is based on an annual sample of US households. The margin of error (+/-) is based on a 90% confidence level; that is, there is a 90% probability that the actual value falls within the range provided by subtracting and then adding the margin of error to the estimate. If margin of error is greater than the estimate, result is not statistically significantly different than zero.

Households by Tenure, Race and Ethnicity, 2024 Estimatespopulation and household projections4 rows

published by county: the figures are Bay County's.

ACS Data Source	Race/Ethnicity	Owners	Margin of Error (+/-)	Renters	Margin of Error (+/-)	Homeownership Rate
2024 1-Year	Asian	1,314	609	691	439	66%
2024 1-Year	Black	2,962	860	3,446	1,367	46%
2024 1-Year	Other
2024 1-Year	White	47,527	2,746	20,126	2,815	70%

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Census Bureau, 2024 American Community Survey 1-Year and 5-Year Estimates. Hispanic/Latino households can be of any race and are also included in other table rows. The ACS is based on an annual sample of US households. The margin of error (+/-) is based on a 90% confidence level; that is, there is a 90% probability that the actual value falls within the range provided by subtracting and then adding the margin of error to the estimate. If margin of error is greater than the estimate, result is not statistically significantly different than zero.

Home sales, prices and parcels

Housing Sales and Supply Summaryparcels and sales19 rows

published by county: the figures are Bay County's.

Characteristic	Single Family	Mobile Home	Condominium	Multifamily Less than 10 Units	Multifamily 10 or More Units
TOTAL UNITS/PROPERTIES	65,005	8,661	19,934	2,105	144
Homesteads	38,371	4,168	1,726	350	0
Residential Units				5,821	14,292
Mean year built	1,992	1,999	1,995	1,981	1,994
Median year built	1,993	1,998	2,001	1,983	1,987
Mean size in square feet	2,037	1,415	1,117	2,739	112,083
Median size in square feet	1,903	1,344	1,103	2,401	53,053
Total square feet(mils)	131	12	22	6	16
Mean assessed value	278,406	94,713	362,016	310,425	9,981,715
Median assessed value	225,227	70,759	335,750	231,186	3,261,330
Mean just value	318,229	106,623	370,834	326,547	9,981,715
Median just value	260,120	87,667	340,000	246,659	3,261,330
Total assessed value($mils.)	18,098	820	7,216	653	1,437
Total just value($mils.)	20,686	923	7,392	687	1,437
2025 (partial year) Number of Sales	2,143	196	696
2025 (partial year) Mean Sales Price	431,429	171,666	409,607
2025 (partial year) Median Sales Price	351,800	165,000	366,500
2025 (partial year) 25th Percentile Sales Price	270,000	125,500	269,500
2025 (partial year) 75th Percentile Sales Price	492,000	210,000	530,000

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Florida Department of Revenue, Name-Address-Legal File and Sales Data File. Some values are suppressed when there are fewer than 25 observations, indicated by '-100' in cell.Counts of sales from the most recent year represent partial year data, typically first two quarters of the year. Counts will be updated to full values in the following year.

Residential Parcels by Year Built, 2025parcels and sales5 rows

published by county: the figures are Bay County's.

Housing Type	Prior 1950	1950-1959	1960-1969	1970-1979	1980-1989	1990-1999	2000-2009	2010-2019	2020	2021	2022	2023	2024	Median Year Built	Mean Year Built
Single Family	3,727	4,326	3,660	6,948	11,176	8,479	10,138	6,207	1,673	1,662	2,001	2,686	2,322	1,993	1,992
Mobile Home	23	16	144	590	1,372	2,596	2,002	931	257	155	241	165	169	1,998	1,999
Condominium	4	0	301	1,633	6,172	1,561	9,913	48	255	0	0	47	0	2,001	1,995
Multifamily 9 or Less Units	202	167	132	388	617	212	220	67	10	11	16	27	36	1,983	1,981
Multifamily 10 or More Units	3	1	8	22	43	11	16	12	2	4	8	3	11	1,987	1,994

Median Unit Size (Sq Ft) by Year Built, 2025parcels and sales5 rows

published by county: the figures are Bay County's.

Housing Type	1960-1969	1970-1979	1980-1989	1990-1999	2000-2009	2010-2019	2020	2021	2022	2023	2024
Single Family	1,641	1,894	1,628	2,060	2,057	2,187	2,063	2,121	2,157	2,105	2,055
Mobile Home	828	933	1,151	1,416	1,488	1,375	1,404	1,404	1,458	1,422	1,422
Condominium	750	983	924	962	1,223	2,040	1,182	0	0	1,282	0
Multifamily 9 or Less Units	2,200	2,138	2,730	2,528	2,646	2,650	3,182	2,850	2,532	2,458	3,158
Multifamily 10 or More Units	22,063	37,769	28,331	131,461	238,137	113,863	135,997	328,345	291,982	251,445	128,699

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Some values are suppressed when there are fewer than 25 observations, indicated by '-100' in cell.

Assessed Value, 2025parcels and sales5 rows

published by county: the figures are Bay County's.

Housing Type	Mean Assessed Value ($)	Median Assessed Value ($)	Total Assessed Value ($ mils.)	Less than $50,000	$50,000 to $99,999	$100,000 to $149,999	$150,000 to $199,999	$200,000 to $249,999	$250,000 to $299,999	$300,000 to $399,999	$400,000 to $499,999	$500,000 to $599,999	$600,000 to $699,999	$700,000 to $799,999	$800,000 to $899,999	$900,000 to $999,999	$1,000,000 or More
Single Family	$278,406	$225,227	18,098	1,174	6,780	10,032	9,795	9,429	8,334	9,517	4,128	2,106	1,148	679	391	270
Mobile Home	$94,713	$70,759	820	2,568	3,030	1,557	819	319	220	125	15	4	2	1	0	1	0
Condominium	$362,016	$335,750	7,216	714	763	922	1,378	1,917	2,855	3,889	2,802	2,512	1,123	520	334	83	122
Multifamily 9 or Less Units	$310,425	$231,186	653	35	276	353	245	233	197	339	170	75	55	24	14	21	68
Multifamily 10 or More Units	$9,981,715	$3,261,330	1,437	0	1	2	1	1	3	4	3	5	5	3	2	4	110

Single Family Sales by Price, 2000-2025parcels and sales21 rows

published by county: the figures are Bay County's.

Sales Price	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Less than $50,000	219	165	184	115	114	62	32	21	15	11	30	29	47	44	52	60	51	50	62	197	101	42	23	12	9	7
$50,000 to $59,999	159	139	122	95	70	37	14	16	12	15	6	28	19	33	34	27	46	30	25	91	55	17	15	8	6	3
$60,000 to $69,999	203	206	162	133	123	40	12	18	7	23	14	24	36	41	38	31	43	52	29	97	65	27	26	12	7	6
$70,000 to $79,999	217	228	250	165	149	59	23	27	20	30	19	41	42	44	52	43	41	43	46	107	55	43	19	14	7	5
$80,000 to $89,999	275	255	248	241	173	95	31	22	19	27	24	46	37	42	44	51	37	66	55	82	61	53	20	15	9	9
$90,000 to $99,999	230	237	233	237	180	115	57	38	20	40	38	51	40	36	48	57	63	60	56	69	48	32	21	12	7	7
$100,000 to $124,999	381	468	528	551	487	253	140	119	89	149	139	132	164	166	184	167	196	166	127	180	182	117	85	48	39	21
$125,000 to $149,999	325	407	461	669	669	427	263	252	185	202	193	168	186	222	243	285	350	345	258	274	240	193	119	71	64	41
$150,000 to $174,999	199	289	316	456	557	458	354	291	221	201	154	146	143	214	239	273	336	401	310	378	321	267	147	91	59	32
$175,000 to $199,999	116	140	162	318	459	456	295	286	243	161	121	113	146	181	211	291	301	397	338	446	435	390	169	95	78	58
$200,000 to $249,999	128	143	194	315	504	644	497	471	243	243	185	198	185	289	337	398	503	641	609	898	1,020	900	495	329	320	236
$250,000 to $299,999	74	77	134	200	360	490	334	258	167	108	90	108	132	195	219	349	393	535	461	713	774	1,076	711	676	644	310
$300,000 to $399,999	53	50	93	169	327	473	307	235	180	111	76	71	144	189	269	272	325	439	459	728	986	1,375	1,577	1,405	1,205	568
$400,000 to $499,999	21	14	19	53	139	193	87	99	48	36	21	16	17	39	53	74	87	132	156	186	320	598	749	715	737	330
$500,000 to $599,999	12	8	18	22	67	96	66	37	25	16	9	4	16	19	19	20	31	41	53	80	100	271	459	426	405	165
$600,000 to $699,999	6	9	16	14	43	77	45	28	19	6	10	11	9	4	4	14	22	27	23	29	59	132	233	275	288	118
$700,000 to $799,999	3	6	7	13	20	47	37	12	9	5	4	4	6	8	14	12	10	13	21	17	30	83	130	151	150	84
$800,000 to $899,999	3	3	7	14	21	45	24	13	10	3	4	4	2	6	6	8	5	7	10	8	19	39	62	73	92	35
$900,000 to $999,999	4	1	2	5	16	26	11	12	4	4	2	3	1	6	5	6	8	7	5	8	10	36	55	42	35	25
$1,000,000 or More	1	3	4	16	61	78	37	24	15	4	4	5	7	1	4	12	24	25	30	45	70	129	120	177	121	83
Total	2,629	2,848	3,160	3,801	4,539	4,171	2,666	2,279	1,551	1,395	1,143	1,202	1,379	1,779	2,075	2,450	2,872	3,477	3,133	4,633	4,951	5,820	5,235	4,647	4,282	2,143

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Florida Department of Revenue Sales Data File. Counts refer to the number of arms-length sales in each price range during a given year. Sales data are unavailable for Broward County and its jurisdictions for 2000. Sales figures for most recent year are based on 1st quarter and partial 2nd quarter data.Counts of sales from the most recent year represent partial year data, typically first two quarters of the year. Counts will be updated to full values in the following year.

Estimated Residential Parcels by Housing Type and Flood Zoneparcels and sales27 rows

published by county: the figures are Bay County's.

Housing Type	Flood Zone	Description	Parcel Count
Condominiums	A	1% annual chance of flooding, no Base Flood Elevations (BFEs) provided	28
Condominiums	AE	1% annual chance of flooding (100-year floodplain), Base Flood Elevations (BFEs) provided	1,640
Condominiums	VE	Coastal area with 1% or greater annual chance of flooding and additional storm wave hazard	9,380
Condominiums	X	Moderate (0.2% annual chance of flooding) or minimal (less than 0.2% annual chance of flooding) risk	8,285
Mobile Homes	A	1% annual chance of flooding, no Base Flood Elevations (BFEs) provided	1,585
Mobile Homes	AE	1% annual chance of flooding (100-year floodplain), Base Flood Elevations (BFEs) provided	847
Mobile Homes	AH	1% annual chance of shallow flooding (1-3 feet)	2
Mobile Homes	X	Moderate (0.2% annual chance of flooding) or minimal (less than 0.2% annual chance of flooding) risk	6,154
Multi-Family 10 or more units	A	1% annual chance of flooding, no Base Flood Elevations (BFEs) provided	39
Multi-Family 10 or more units	AE	1% annual chance of flooding (100-year floodplain), Base Flood Elevations (BFEs) provided	35
Multi-Family 10 or more units	X	Moderate (0.2% annual chance of flooding) or minimal (less than 0.2% annual chance of flooding) risk	59
Multifamily 2-9 Units	A	1% annual chance of flooding, no Base Flood Elevations (BFEs) provided	131
Multifamily 2-9 Units	AE	1% annual chance of flooding (100-year floodplain), Base Flood Elevations (BFEs) provided	296
Multifamily 2-9 Units	VE	Coastal area with 1% or greater annual chance of flooding and additional storm wave hazard	24
Multifamily 2-9 Units	X	Moderate (0.2% annual chance of flooding) or minimal (less than 0.2% annual chance of flooding) risk	1,578
Single Family	A	1% annual chance of flooding, no Base Flood Elevations (BFEs) provided	4,420
Single Family	AE	1% annual chance of flooding (100-year floodplain), Base Flood Elevations (BFEs) provided	12,238
Single Family	AO	1% annual chance of shallow flooding, river or stream flood hazard	2
Single Family	VE	Coastal area with 1% or greater annual chance of flooding and additional storm wave hazard	828
Single Family	X	Moderate (0.2% annual chance of flooding) or minimal (less than 0.2% annual chance of flooding) risk	45,425
Vacant Residential	A	1% annual chance of flooding, no Base Flood Elevations (BFEs) provided	3,789
Vacant Residential	AE	1% annual chance of flooding (100-year floodplain), Base Flood Elevations (BFEs) provided	4,366
Vacant Residential	AH	1% annual chance of shallow flooding (1-3 feet)	2
Vacant Residential	AO	1% annual chance of shallow flooding, river or stream flood hazard	1
Vacant Residential	OPEN WATER	Open Water	1
Vacant Residential	VE	Coastal area with 1% or greater annual chance of flooding and additional storm wave hazard	230
Vacant Residential	X	Moderate (0.2% annual chance of flooding) or minimal (less than 0.2% annual chance of flooding) risk	12,176

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Shimberg Center analysis of FEMA Flood Zone - Digital Flood Insurance Rate Map (DFIRM) and 2024 Florida Parcel data. Parcel counts are approximate based on matching parcel boundaries to FEMA flood zones. Some parcels may contain land area in more than one flood hazard zone.

State Housing Initiatives Partnership (SHIP) Distribution and Allocation of Funds for 2022-2023parcels and sales1 row

published by region: the figures are Bay County's.

2022-2023 State Annual Distribution	Homeownership Expenditures	Total Homeownership Units	Rental Expenditures	Total Rental Units	0-30% AMI Households Served	30.01-50% AMI Households Served	50.01-80% AMI Households Served	80.01-120% AMI Households Served	120.01-140% AMI Households Served	Expenditures for 0-30% AMI Households	Expenditures for 30.01-50% AMI Households	Expenditures for 50.01-80% AMI Households	Expenditures for 80.01-120% AMI Households	Expenditures for 120.01-140% AMI Households	Special Needs Expenditures	Special Needs Units	Special Needs % of Distribution	Householder Age 18 - 25	Householder Age 26 - 40	Householder Age 41 - 61	Householder Age 62 +	Householder Race/Ethnicity White	Householder Race/Ethnicity Black	Householder Race/Ethnicity Hispanic	Householder Race/Ethnicity Asian	Householder Race/Ethnicity American Indian	Householder Race/Ethnicity Other
$1,377,116	$1,598,814	35	$40,000	1	2	6	14	14		$190,000	$503,811	$645,360	$299,642	$0	$627,314	10	4555.3%	9	12	10	5	28	7	1	0	0	0

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Florida Housing Finance Corporation, 2025 Annual Report. Annual distribution amounts do not include program income, recaptured funds, carry forward funds or other funds which local governments also use to funding housing strategies through the SHIP program. Thus, expenditures may exceed the annual allocation. Statute requires that local governments spend 20 percent of their SHIP distribution to serve Persons with Special Needs. The Persons with Special Needs percentage of distribution may exceed 100 percent when a local government spends its entire distribution plus any portion of its program income for Special Needs Households. City/county amounts are combined due to interlocal agreements for Broward County/Coconut Creek, Margate, and Weston; Charlotte County/Punta Gorda; Collier County/Naples; Duval County/Jacksonville; Escambia County/Pensacola; Flagler County/Palm Coast; Okaloosa County/Fort Walton Beach; and Sarasota County/Sarasota (city).

Rents

Apartment List, Median Rentmarket rent trackers30 rows

published by county: the figures are Bay County's.

Number of Bedrooms	Year	January	February	March	April	May	June	July	August	September	October	November	December	% Change from Previous Year (July)
1 BR	2,017	$823	$823	$842	$861	$888	$911	$932	$937	$937	$912	$897	$883
1 BR	2,018	$888	$884	$889	$913	$945	$970	$987	$985	$969	$958	$995	$1,039	6.0%
1 BR	2,019	$1,121	$1,171	$1,252	$1,297	$1,313	$1,307	$1,301	$1,298	$1,264	$1,193	$1,141	$1,091	32.0%
1 BR	2,020	$1,064	$1,037	$1,035	$1,020	$1,004	$996	$1,015	$1,038	$1,046	$1,029	$1,024	$1,023	-22.0%
1 BR	2,021	$1,036	$1,044	$1,063	$1,076	$1,100	$1,116	$1,148	$1,183	$1,216	$1,228	$1,220	$1,210	13.0%
1 BR	2,022	$1,208	$1,208	$1,224	$1,231	$1,245	$1,250	$1,271	$1,276	$1,276	$1,234	$1,191	$1,148	11.0%
1 BR	2,023	$1,140	$1,173	$1,195	$1,217	$1,218	$1,217	$1,212	$1,190	$1,175	$1,158	$1,144	$1,123	-5.0%
1 BR	2,024	$1,112	$1,111	$1,132	$1,156	$1,174	$1,178	$1,182	$1,179	$1,177	$1,158	$1,137	$1,119	-2.0%
1 BR	2,025	$1,106	$1,099	$1,093	$1,104	$1,125	$1,140	$1,147	$1,139	$1,106	$1,157	$1,140	$1,085	-3.0%
1 BR	2,026	$1,078	$1,080	$1,083	$1,088	$1,097	$1,116	$1,117	$1,106
2 BR	2,017	$937	$937	$959	$981	$1,011	$1,037	$1,061	$1,066	$1,067	$1,038	$1,022	$1,005
2 BR	2,018	$1,011	$1,007	$1,012	$1,040	$1,077	$1,104	$1,123	$1,122	$1,104	$1,091	$1,133	$1,184	6.0%
2 BR	2,019	$1,276	$1,334	$1,426	$1,477	$1,495	$1,488	$1,482	$1,478	$1,440	$1,359	$1,300	$1,242	32.0%
2 BR	2,020	$1,212	$1,181	$1,178	$1,161	$1,143	$1,135	$1,156	$1,182	$1,191	$1,172	$1,166	$1,165	-22.0%
2 BR	2,021	$1,180	$1,189	$1,210	$1,226	$1,253	$1,271	$1,307	$1,347	$1,385	$1,398	$1,390	$1,378	13.0%
2 BR	2,022	$1,375	$1,376	$1,394	$1,402	$1,418	$1,424	$1,447	$1,453	$1,452	$1,406	$1,356	$1,308	11.0%
2 BR	2,023	$1,298	$1,335	$1,361	$1,385	$1,388	$1,386	$1,380	$1,355	$1,338	$1,319	$1,303	$1,279	-5.0%
2 BR	2,024	$1,267	$1,265	$1,289	$1,317	$1,337	$1,342	$1,346	$1,343	$1,341	$1,318	$1,295	$1,274	-2.0%
2 BR	2,025	$1,260	$1,251	$1,245	$1,257	$1,282	$1,298	$1,307	$1,298	$1,260	$1,318	$1,298	$1,235	-3.0%
2 BR	2,026	$1,228	$1,230	$1,233	$1,239	$1,249	$1,271	$1,272	$1,260
overall	2,017	$972	$972	$995	$1,017	$1,049	$1,076	$1,100	$1,106	$1,106	$1,077	$1,060	$1,042
overall	2,018	$1,049	$1,044	$1,050	$1,078	$1,117	$1,146	$1,165	$1,163	$1,145	$1,132	$1,175	$1,228	6.0%
overall	2,019	$1,324	$1,384	$1,479	$1,531	$1,551	$1,543	$1,537	$1,533	$1,493	$1,409	$1,348	$1,288	32.0%
overall	2,020	$1,257	$1,225	$1,222	$1,205	$1,186	$1,177	$1,199	$1,226	$1,235	$1,216	$1,209	$1,208	-22.0%
overall	2,021	$1,224	$1,233	$1,255	$1,271	$1,299	$1,318	$1,356	$1,397	$1,436	$1,450	$1,441	$1,429	13.0%
overall	2,022	$1,426	$1,427	$1,445	$1,454	$1,470	$1,477	$1,501	$1,507	$1,506	$1,458	$1,407	$1,356	11.0%
overall	2,023	$1,347	$1,385	$1,411	$1,437	$1,439	$1,438	$1,431	$1,405	$1,387	$1,368	$1,351	$1,327	-5.0%
overall	2,024	$1,314	$1,312	$1,337	$1,366	$1,387	$1,391	$1,396	$1,392	$1,390	$1,367	$1,343	$1,321	-2.0%
overall	2,025	$1,307	$1,298	$1,291	$1,304	$1,329	$1,346	$1,355	$1,346	$1,307	$1,367	$1,347	$1,281	-3.0%
overall	2,026	$1,273	$1,276	$1,279	$1,285	$1,296	$1,318	$1,319	$1,307

3 blank cells: printed as a dash by the Shimberg Center

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Apartment List Rent Estimates. Represents median rent across new leases signed in a given market and month. See Apartment List methodology. Percent change calculated by comparing values from July of each year to the previous year's July value. This dataset covers 33 Counties in Florida.

Zillow Observed Rent Index (ZORI), Market-Rate Rentmarket rent trackers12 rows

published by county: the figures are Bay County's.

Year	January	February	March	April	May	June	July	August	September	October	November	December	% Change from Previous Year (July)
2,015	$934	$934	$937	$944	$947	$949	$951	$957	$956	$952	$950	$959
2,016	$962	$967	$974	$982	$994	$989	$990	$988	$989	$983	$970	$970
2,017	$977	$990	$992	$1,003	$1,011	$1,025	$1,027	$1,032	$1,027	$1,031	$1,031	$1,034	4.0%
2,018	$1,037	$1,043	$1,053	$1,059	$1,066	$1,070	$1,087	$1,092	$1,092	$1,117			6.0%
2,019		$1,315	$1,332	$1,361	$1,385	$1,406	$1,429	$1,402	$1,399	$1,386	$1,380	$1,366	31.0%
2,020	$1,330	$1,313	$1,306	$1,319	$1,320	$1,325	$1,335	$1,357	$1,366	$1,372	$1,375	$1,378	-7.0%
2,021	$1,383	$1,394	$1,424	$1,447	$1,476	$1,492	$1,516	$1,549	$1,573	$1,596	$1,595	$1,622	14.0%
2,022	$1,640	$1,648	$1,637	$1,647	$1,663	$1,686	$1,702	$1,706	$1,712	$1,688	$1,674	$1,659	12.0%
2,023	$1,660	$1,671	$1,688	$1,707	$1,720	$1,718	$1,710	$1,707	$1,698	$1,699	$1,686	$1,676	0.0%
2,024	$1,662	$1,661	$1,676	$1,699	$1,722	$1,727	$1,733	$1,735	$1,735	$1,714	$1,685	$1,677	1.0%
2,025	$1,669	$1,672	$1,668	$1,684	$1,704	$1,717	$1,721	$1,721	$1,723	$1,709	$1,698	$1,681	-1.0%
2,026	$1,686	$1,680	$1,686	$1,700	$1,711	$1,732	$1,744	$1,745

2 blank cells: printed as a dash by the Shimberg Center

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Zillow Research. Represents typically observed market rate rent across a given region. See ZORI methodology. This dataset covers 54 Counties in Florida.

Income and rent limits

HUD Fair Market Rent, 2026income and rent limits1 row

published by county: the figures are Bay County's.

0 Bedroom FMR ($)	1 Bedroom FMR ($)	2 Bedroom FMR ($)	3 Bedroom FMR ($)	4 Bedroom FMR ($)
$1,426	$1,480	$1,682	$2,169	$2,689

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: U.S. Department of Housing and Urban Development, 2026 Fair Market Rents. Many public housing authorities use Small Area Fair Market Rents (SAFMRs) at the zip code level to set Housing Choice Voucher standards. See HUD's SAFMRs dataset.

HUD Median Family Income, 2026income and rent limits1 row

published by county: the figures are Bay County's.

Median Income ($)
$98,900

Florida Housing Income Limits, 2026income and rent limits5 rows

published by county: the figures are Bay County's.

AMI Category	1 Person Limit ($)	2 Person Limit ($)	3 Person Limit ($)	4 Person Limit ($)
30%	$20,790	$23,760	$26,730	$29,670
50%	$34,650	$39,600	$44,550	$49,450
60%	$41,580	$47,520	$53,460	$59,340
80%	$55,440	$63,360	$71,280	$79,120
120%	$83,160	$95,040	$106,920	$118,680

Florida Housing Rent Limits, 2026income and rent limits5 rows

published by county: the figures are Bay County's.

AMI Category	0 Bedroom Limit ($)	1 Bedroom Limit ($)	2 Bedroom Limit ($)	3 Bedroom Limit ($)	4 Bedroom Limit ($)
30%	$519	$556	$668	$771	$861
50%	$866	$928	$1,113	$1,286	$1,435
60%	$1,039	$1,113	$1,336	$1,543	$1,722
80%	$1,386	$1,485	$1,782	$2,058	$2,296
120%	$2,079	$2,227	$2,673	$3,087	$3,444

Assisted Housing Inventory

Assisted Housing Inventory: Property Listassisted housing inventory0 developments, 0 units

Every subsidized development the Clearinghouse lists for this geography, with its address, units, housing programs, funders and the overall year its subsidy or affordability period expires. Type to filter; the list shows fifty at a time; open a development for every published field.

The layer for maps: assisted_housing_inventory.geojson (every development in Florida with a location, BusinessFlare® GIS format).

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Data sources and last updates available in AHI User Guide. Data definitions and special notes available in AHI User Guide. See also AHI Map. Properties with HUD Public Housing funding often comprise multiple complexes or buildings; download Public Housing Buildings for a statewide, address-level list.

Homeless Assistance Programs-Housing Inventory Countassisted housing inventory4 rows

published by county: the figures are Bay County's.

Project Name	Address	City	State	Zip	County	Continuum of Care	Provider Name	Project Type	Site or Tenant Based	Units HH w/ Children	Beds HH w/o Children	Total Beds	McKinney Vento-funded	Emergency Solutions Grant-Rapid Rehousing	Other Federal Funding	VASH
FL515 - Catholic Charities - Challenge Housing (RRH) (Challenge)	3128 East 11th Street	Panama City	FL	32,401	Bay	Panama City/Bay, Jackson Counties CoC	FL515 - Catholic Charities	Rapid Rehousing	Tenant-based - scattered site	4	1	17	x	x
FL515 - Catholic Charities - ESG - Rapid Rehousing	2121 Lisenby Ave	Panama City	FL	32,401	Bay	Panama City/Bay, Jackson Counties CoC	FL515 - Catholic Charities	Rapid Rehousing	Tenant-based - scattered site	2	1	7	x	x
FL515 - Gulf Coast Veterans Healthcare System - HUD VASH	2600 Veterans Way	Panama City	FL	32,401	Bay	Panama City/Bay, Jackson Counties CoC	FL515 - Gulf Coast Veterans Healthcare System - HUD VASH	Permanent Supportive Housing	Tenant-based - scattered site	0	70	70			x	x
FL515 - LEAD Coalition - ESG Rapid Re-housing (RRH) (ESG)	0		0	32,401	Bay	Panama City/Bay, Jackson Counties CoC	FL515 - Doorways of NWFL	Rapid Rehousing	Tenant-based - scattered site	0	1	1	x	x

AHI - Lost Properties Inventoryassisted housing inventory10 rows

published by county: the figures are Bay County's.

LPI ID	Shim ID	FHFC HPP key	Name	Address	City	Zip	County	Total Units	Estimated Assisted Units	HUD/RD Rental Assistance Units	Housing Program(s)	FHFC Funded	RD Funded	Approximate Year of Loss	Tax Credit or Bond Property No Longer Under Use Restrictions	Year Built/Funded	Type of Ownership	Population Served	Latitude	Longitude
562	1,177		Callaway Manor Apts	5807 Butler Drive	Callaway	32,404	Bay	36	36		Section 515		x	2,012		1,984	Limited Dividend	Family	30.158463	-85.588455
578	356		Fox Garden	162 North Fox Avenue	Callaway	32,404	Bay	36	36		Section 515		x	2,012		1,983	Limited Dividend	Family	30.147600017	-85.569533708
573	357		Fox Manor Apts	166 North Fox Avenue	Callaway	32,404	Bay	36	36		Section 515		x	2,012		1,984	Limited Dividend	Family	30.148592984	-85.569652028
567	1,729		Lake Garden Apts	5707 Lake Drive	Callaway	32,404	Bay	36	36		Section 515		x	2,012		1,984	Limited Dividend	Family	30.135201115	-85.589504582
778	330		Forest Manor Apts	1516 MAINE AVENUE	Lynn Haven	32,444	Bay	24	23	23	Rental Assistance/RD;Section 515		x	2,019		1,985	Limited Dividend	Family	30.2351318348	-85.6619710212
784	353		Havenwood Gardens	1600 FLORIDA AVENUE	Lynn Haven	32,444	Bay	56	56	55	Rental Assistance/RD;Section 515		x	2,019		1,982	Limited Dividend	Family	30.2352700209	-85.6506698932
780	228		Pinehurst Garden Ap	201 EAST 25TH STREET	Lynn Haven	32,444	Bay	72	71	71	Rental Assistance/RD;Section 515		x	2,019		1,979	Limited Dividend	Family	30.2199809211	-85.648295861
314	1,067	417	Kurze I	1012 Kurze Avenue	Panama City	32,401	Bay	4	4		Housing Credits 9%	x		2,004	x	1,988	For-Profit	Family	30.1666390384	-85.629905378
181	187	418	Kurze II	1009-1011 Church Avenue	Panama City	32,401	Bay	20	20		Housing Credits 9%	x		2,002	x	1,988	For-Profit	Family	30.1665898012	-85.6274135373
704	1,131	495	Magnolia Pointe - Cedar Grove	2437 East 11 Street	Panama City	32,401	Bay	100	100		Housing Credits 9%;State HOME	x		2,015	x	1,996	Non-Profit	Family	30.1677	-85.6286

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: Assisted Housing Inventory, Shimberg Center; property lists from HUD, Florida Housing Finance Corporation, and USDA RD. Data definitions and special notes available in AHI User Guide.

Public Housing Agenciesassisted housing inventory2 rows

published by county: the figures are Bay County's.

Name	Address	City	Zip Code	County	Phone Number	Public Housing Units	Housing Choice Vouchers	PHA Size	Performance Designation	Occupancy Rate	Operating Subsidy	Capital Fund
Housing Authority of Springfield	3806 E 8th St	Panama City	32,401	Bay	8,507,691,596	40	452	40	Standard Performer	91.7	90,498	0
Panama City Housing Authority	2315 Ruth Hentz Ave	Panama City	32,405	Bay	8,507,695,278	262	723	460	Standard Performer	91.9	545,106	0

Published by the Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse. Source as published: HUD Public Housing Authorities dataset. Operating and Capital Fund amounts refer to available authorized funding in dollars from the latest year. For more information, see HUD's public housing agency data dictionary

Sources on this page

Shimberg Center for Housing Studies, University of Florida, Florida Housing Data Clearinghouse: flhousingdata.shimberg.ufl.edu, 58 tables as published for Florida, every county, every city and each county's unincorporated area, retrieved 2026-10-01. Each table's own source line and notes are printed under it; the Center's definitions, income bands and column names are kept as published.
Validated on every build against the Clearinghouse's own county pages: 52,179 county rows compared with the county's own results page, 22,482 sums of cities and unincorporated area against the county, 19,620 cost burden summary figures against the projection detail, 3,158 assisted development rows on city pages against the county page. Any difference fails the build.
Blank cells are figures the Clearinghouse suppresses, prints as a dash or codes as missing; each is listed with its reason under the table. Nothing is interpolated.
Sources and methods.

Download the data

Housing workbook, every table and geography Assisted Housing Inventory GeoJSON

The workbook has one sheet per Clearinghouse table with every geography, the table registry with each table's published source and notes, the gaps and the validation record. The GeoJSON is the Assisted Housing Inventory as a point layer in the format BusinessFlare GIS pages load.