Bay County, FL

Comprehensive housing, income, and cost of living data for Bay County, Florida. Population: 181.1K.

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Median Home Price

$302.5K

Based on 10 cities

Median Household Income

$70.2K

Annual household income

Price-to-Income Ratio

4.3x

Moderately affordable

Salary Needed to Buy

$76.9K

30-yr mortgage, 6.5% rate, 20% down

Housing & Finance

Annual Property Tax

$1,653

Average annual amount

Effective Tax Rate

0.55%

Property tax / home value

Monthly Housing Costs

Mortgage (P&I)$1,530

Property Tax$138

Insurance$126

Total Monthly$1,794

Historical Home Prices

2015

$180.6K

2016

$187.5K

+3.8%%

2017

$199.1K

+6.2%%

2018

$219.6K

+10.3%%

2019

$225.5K

+2.7%%

2020

$254.2K

+12.7%%

2021

$305.9K

+20.3%%

2022

$357.4K

+16.8%%

2023

$360.6K

+0.9%%

2024

$348.3K

-3.4%%

2025

$335.8K

-3.6%%

Source: County price history data via Zillow ZHVI

Demographics & Economics

Unemployment Rate

3.0%%

Below national average

Population Density

239

People per square mile

Homicide Rate

5.6

Low (per 100K residents)

Political Lean (2020)

Competitive

R+0

Racial Demographics

White

73.7%

Black

9.8%

Hispanic

8.4%

Asian

1.9%

Two or More Races

5.2%

Source: Census ACS 2023. Hispanic/Latino ethnicity counted separately from race.

Climate & Environment

Average Temperature

68°F

Annual average

Sunny Days

217

Days per year

Annual Rainfall

58.3"

Inches per year

Natural Disaster Risk

High Risk

Score: 94/100

January Low

21°F

Average winter low

July High

85°F

Average summer high

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