Panama City Beach, FL

The affordability dashboard for Panama City Beach, FL aggregates Census ACS 5-Year Estimates across 2 ZIP codes covering 22,475 residents, then layers in county-level federal data to produce an overall grade of C (57/100). The headline inputs are median household income of $80,368, median home value of $425,871, median rent of $1,759 per month, and 38.1% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,682 per month (studio $1,426, 1BR $1,480, 3BR $2,169, 4BR $2,689). Department of Labor data lists infant center-based childcare at $11,180 per year, consuming 14% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Pressure points are housing. Unemployment currently reads 4.1% and poverty 8.3% — numbers worth keeping alongside the headline grade.