How long do homes take to sell in Panama city, FL?

Median days on market: 91 days.

What is the natural-hazard risk in Panama city, FL?

Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: hurricane, lightning, tornado, coastalFlooding, coldWave.

Is Panama city, FL in a flood zone?

Minimal (FEMA NFIP). Parts of the area include FEMA flood zone X; zones vary by location within the city.

What is the wildfire risk in Panama city, FL?

Risk to homes is higher than 80% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).

What is the radon potential in Panama city, FL?

Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.

Are there Superfund sites near Panama city, FL?

1 current or proposed National Priorities List site within 5 miles (EPA). Nearest site: Tyndall Air Force Base, 2.6 mi.

How many schools serve Panama city, FL?

34 schools (15 elementary, 4 middle, 9 high) (NCES, 2022-23).

Is Panama city, FL walkable?

Walkability index: 12.9/20 (EPA Smart Location Database).

What is the air quality in Panama city, FL?

Moderate. Median AQI: 50. (EPA AQI).

REAIGENT7 is a listing platform for real estate agents — where every page answers buyer questions with 25+ public government, academic, and industry research datasets (FEMA, NOAA, Census, NCES, and more). AI handles the questions; the agent owns the relationship. Direct buyer contact forms, marketing tools, and lead management built in. No competing agents on your listing, no per-ZIP fees, no referral fees on close.

How does REAIGENT7 work for real estate agents?

Agents upload a property document — MLS sheet, flyer, appraisal, or any PDF — or enter listing details manually. REAIGENT7 creates a professional listing page they control in minutes. Every page includes AI chat that answers buyer questions 24/7, direct buyer contact forms, a photo gallery, and area insights. Works for MLS listings, pocket listings, and off-market properties. Agents share their link on social media, yard signs, email, and open-house flyers — and every buyer lands on their page.

How much does REAIGENT7 cost?

REAIGENT7 offers a 14-day free trial with no credit card required. The Standard plan is $79/month (or $790/year — 2 months free) for up to 5 active listings. The Pro plan is $129/month (or $1,290/year — 2 months free) for up to 15 active listings. All features are included on every plan.

Do I need a credit card to start?

No. The 14-day free trial requires no credit card. You can build listing pages, invite buyers, and collect leads without adding a payment method. You only add billing if you decide to keep your account after the trial.

Can buyers ask questions about a property on REAIGENT7?

Yes. Every REAIGENT7 listing page has an AI chat assistant grounded in the real property data the listing agent provides. Buyers can ask about pricing, square footage, HOA fees, neighborhood information, disclosure history, schools, and more. For binding decisions like offers, pricing negotiations, and legal matters, the AI defers to the licensed agent.

How does the AI know about my listing?

When you upload an MLS sheet, flyer, or property document, REAIGENT7 extracts the facts — price, beds, baths, square footage, features, HOA, condition — and uses them to ground a per-listing AI assistant. You can edit any extracted field before publishing. The AI only answers based on what you’ve provided; it never makes up information.

Does REAIGENT7 share my leads with other agents?

Never. Every lead — whether from the AI chat, a contact form, a showing request, or an open-house sign-in — goes directly to you. REAIGENT7 does not sell buyer information, does not route buyers to competing agents, and does not charge referral fees on leads.

Does REAIGENT7 replace me as the agent?

No. The AI answers buyer questions about the property and area — schools, flood risk, climate, commute, HOA — and captures qualification info (budget, timeline, financing) during natural conversation. It doesn’t run multi-month nurture campaigns or pretend to be the agent. When a buyer wants to engage with a real person, that’s you — with the AI’s conversation context already in your dashboard so you start a real conversation, not from scratch.

Can I use REAIGENT7 for pocket listings or off-market properties?

Yes. REAIGENT7 works for MLS listings, pocket listings, pre-MLS properties, and off-market sales. You control privacy settings per listing — you can hide a listing from the public browse page while keeping a direct share link or embed for targeted outreach.

What happens to my listings if I downgrade or cancel?

If you downgrade, your listings above the new plan’s limit are automatically unpublished (not deleted) on the day the downgrade takes effect — you can republish them if you upgrade again. If you cancel, your listings are unpublished and your data is retained so you can reactivate anytime. You can also delete your account entirely from Settings, which removes all data permanently.

How does lead pre-qualification actually work?

When a buyer chats with the AI, it naturally weaves in a few qualification questions based on context — budget range, timeline, financing type (cash, conventional, FHA, VA), and pre-approval status. The AI only asks about financial readiness and timeline; it never asks about family size, children, marital status, or any protected class. Qualified leads are flagged in your dashboard so you can prioritize serious buyers over casual browsers.

How fast can I set up a listing?

Go live in under five minutes. Upload an MLS sheet, flyer, or appraisal and the AI extracts the address, price, beds, baths, square footage, HOA, and school district automatically. You review the extracted facts, add photos, and publish. Manual entry also works if you prefer.

Can I send open house reports to sellers?

Yes. After every open house, you can send the seller a professional report with sign-in counts, top buyer questions, AI-identified gaps in the listing, and engagement insights — no buyer PII included. It’s a strong tool for listing presentations: show prospective sellers the real-time insights they’ll get on their own property.

How do I get my listing page in front of buyers?

Every listing comes with a QR code, direct share links, and embed codes for your website or blog. The Share hub also includes social caption and email drafts you can customize. Print the QR code on yard signs, flyers, and open-house handouts so buyers can scan and chat with the AI instantly.

FL area data

Panama city, FL

Aggregated across 4 ZIP codes in Panama city.

Population: 91,892 (Census ACS)

The median home value in Panama city, FL is $267,471 — up 0.8% over the past year. Homes sell for a median $233,417 after a median 91 days on market. Typical rent runs $1,691/month. 34 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with hurricane, lightning, tornado the top-rated hazards. Cost of living is 1.6% above the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$267,471

Median home value

+0.8%

1-year change

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Median home value: $267,471
1-year appreciation: +0.8%
3-year appreciation: -0.7%
5-year appreciation: +22.9%
10-year appreciation: +86.7%
All-time peak (2024-04): $275,177
House Price Index (state): 542.2 (-2.6% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price: $233,417
Median list price: $206,300
Median price per sqft: $183
1-year sale-price change: +15.0%
Median days on market: 91 days
Homes sold (recent period): 9
For-sale inventory: 695
Sale-to-list ratio: 96.0%
Active listings: 29
1-year forecast: -0.1%
Days to pending: 81 days
New listings (monthly): 145

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent: $1,691/mo
1-year rent change: +1.6%
Studio fair-market rent: $1,098/mo
1BR fair-market rent: $1,373/mo
2BR fair-market rent: $1,624/mo
3BR fair-market rent: $2,111/mo
4BR fair-market rent: $2,436/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Above Average): 101.6 (100 = US avg)
Electricity rate (state-level): 15.2¢/kWh
Natural gas rate (state-level): $25.50/MCF
30-year mortgage rate (national): 6.66%
15-year mortgage rate (national): 6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools: 34
Elementary schools: 15
Middle schools: 4
High schools: 9
Charter schools: 11
Schools include: BAY HIGH SCHOOL, MERRIAM CHERRY STREET ELEMENTARY, JINKS MIDDLE SCHOOL, ST. ANDREW SCHOOL AT OAKLAND TERRACE, RUTHERFORD HIGH SCHOOL

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county): Relatively Moderate
Top hazards (county): hurricane, lightning, tornado, coastalFlooding, coldWave
Notable hazard ratings (county): coastalFlooding: Relatively Moderate · coldWave: Relatively Moderate · heatWave: Relatively Moderate · hurricane: Very High · inlandFlooding: Relatively Moderate · lightning: Very High
FEMA flood zone (varies by location): includes X
Flood risk level: Minimal
Wildfire risk to homes (county): Higher than 80% of US counties
Buildings in wildfire direct-exposure zone: 28.5%
Radon potential (county): Low radon potential — EPA Zone 3 of 3
EPA Superfund (NPL) sites within 5 mi: 1
Nearest Superfund site: Tyndall Air Force Base (2.6 mi)

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature: 69.3°F
Average high: 78.3°F
Average low: 61.0°F
Annual precipitation: 64.5 in
USDA plant hardiness zone: 9b (extreme annual low 25 to 30°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating: Moderate
Median AQI (annual): 50
Days with Good air quality: 186
Days with Moderate air quality: 177
Highest AQI recorded (year): 125

Source: EPA air quality data (nearest monitoring station, annual)

Walkability & transit

Walkability index: 12.9 / 20
Transit service frequency: -32,890
Jobs reachable by car (30 min): 16,419
Jobs reachable by transit (45 min): 12,335

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

Airports within 30 mi: 34
Nearest airport: Tyndall Air Force Base (PAM) (4 mi)
Nearest major airport: Tyndall Air Force Base (PAM) (4 mi)
Hospitals nearby (~15 mi): 3
Hospitals include: ASCENSION SACRED HEART BAY, HCA FLORIDA GULF COAST HOSPITAL, EMERALD COAST BEHAVIORAL HOSPITAL
Avg hospital rating (CMS): 2.8 / 5
Best hospital rating nearby (CMS): 3.0 / 5
EV charging stations (within 10 mi): 36
Solar radiation rating: Good (4.9 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county): +1,965 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built: 1,988
Housing built before 1970: 27.3%
Housing built 2000 or later: 37.4%
Median annual property tax: $1,498
Mean commute to work: 21 min
Households with broadband internet: 71.1%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment: 67,345
Average weekly wage: $954
Top industries (by employment): Accommodation & Food, Health Care, Construction
Annual residential building permits (county): 205

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

	Panama city	State median	US median
Median home value	$267,471	$346,549	$289,727
Median sale price	$233,417	$359,990	$325,000
Median days on market	91 days	72 days	51 days
Typical rent	$1,691/mo	$2,095/mo	$1,808/mo
Median annual property tax	$1,498	$2,388	$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in Panama city, FL?: $267,471.
What is the median sale price in Panama city, FL?: $233,417.
How long do homes take to sell in Panama city, FL?: Median days on market: 91 days.
What is typical rent in Panama city, FL?: Typical rent: $1,691/month.
What is the natural-hazard risk in Panama city, FL?: Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: hurricane, lightning, tornado, coastalFlooding, coldWave.
Is Panama city, FL in a flood zone?: Minimal (FEMA NFIP). Parts of the area include FEMA flood zone X; zones vary by location within the city.
What is the wildfire risk in Panama city, FL?: Risk to homes is higher than 80% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in Panama city, FL?: Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near Panama city, FL?: 1 current or proposed National Priorities List site within 5 miles (EPA). Nearest site: Tyndall Air Force Base, 2.6 mi.
How many schools serve Panama city, FL?: 34 schools (15 elementary, 4 middle, 9 high) (NCES, 2022-23).
Is Panama city, FL walkable?: Walkability index: 12.9/20 (EPA Smart Location Database).
What is the air quality in Panama city, FL?: Moderate. Median AQI: 50. (EPA AQI).
What is the cost of living in Panama city, FL?: Regional Price Parity: 101.6 (100 = US average) (Above Average) (BEA RPP, metro/state-level).

ZIP codes in Panama city

Selling a home in Panama city, FL?

REAIGENT7 gives every listing its own AI assistant grounded in this same public data — it answers buyer questions about the home and the area, around the clock, and sends every lead to the listing agent. Agents: it installs on your listing page, your website, or WordPress.

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →