Panama City Beach, FL Rental Market for Investors
An estimated 56% of Panama City Beach's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of August 2026.
Homes in Panama City Beach that pencil right now
A sample of active Panama City Beach listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of August 2026.
$164,000DSCR 1.692 bed · 1 bath · 1,200 sqft
- STR revenue
- $39,582/yr
- Est. interest-only payment
- $1,565/mo
On the market 125 days · Listed by Coastal Premier Properties NWFL LLC
Scout this home & market: 2-bed condo in Panama City Beach
$249,900DSCR 1.282 bed · 2 bath · 960 sqft
- STR revenue
- $32,172/yr
- Est. interest-only payment
- $1,682/mo
On the market 711 days · Listed by Coldwell Banker Realty - Panama City Beach - Thomas Dr.
Scout this home & market: 2-bed condo in Panama City Beach
$279,000DSCR 1.571 bed · 1.5 bath · 1,246 sqft
- STR revenue
- $39,731/yr
- Est. interest-only payment
- $1,692/mo
On the market 145 days · Listed by Berkshire Hathaway HomeServices Beach Properties of Florida
Scout this home & market: 1-bed condo in Panama City Beach
$299,900DSCR 1.643 bed · 2 bath · 1,262 sqft
- STR revenue
- $49,376/yr
- Est. interest-only payment
- $2,013/mo
On the market 48 days · Listed by Coastal Living Realty & Associates
Scout this home & market: 3-bed condo in Panama City Beach
$340,000DSCR 1.381 bed · 2 bath · 936 sqft
- STR revenue
- $43,938/yr
- Est. interest-only payment
- $2,130/mo
On the market 117 days · Listed by Counts Real Estate Group - Panama City Beach
Scout this home & market: 1-bed condo in Panama City Beach
$358,000DSCR 1.251 bed · 2 bath · 862 sqft
- STR revenue
- $45,734/yr
- Est. interest-only payment
- $2,431/mo
On the market 172 days · Listed by Beach Time Realty, Inc
Scout this home & market: 1-bed condo in Panama City Beach
$429,000DSCR 1.533 bed · 2 bath · 1,423 sqft
- STR revenue
- $62,071/yr
- Est. interest-only payment
- $2,700/mo
On the market 20 days · Listed by KELLER WILLIAMS SUCCESS REALTY
Scout this home & market: 3-bed house in Panama City Beach
$479,000DSCR 1.282 bed · 2 bath · 1,152 sqft
- STR revenue
- $62,232/yr
- Est. interest-only payment
- $3,236/mo
On the market 345 days · Listed by Keller Williams Realty Emerald Coast DESTIN
Scout this home & market: 2-bed condo in Panama City Beach
$599,999DSCR 1.294 bed · 4 bath · 2,043 sqft
- STR revenue
- $73,373/yr
- Est. interest-only payment
- $3,786/mo
On the market 72 days · Listed by Coldwell Banker Realty - Panama City Beach - Thomas Dr.
Scout this home & market: 4-bed house in Panama City Beach
As of August 2026, we analyzed 1,585 active for-sale homes in Panama City Beach, Florida. The typical listing is priced at $468,498 and is projected to generate about $51,155 a year as a short-term rental.
After setting aside an estimated 20% for operating costs, an estimated 56.1% of those homes could still cover an investor mortgage payment on short-term-rental income — roughly in line with the 52.5% median across the 200 major metros we track, ranking Panama City Beach #85 of 200 for cash-flow potential.
On market momentum: homes in Panama City Beach sit a median of 105 days on the market, and 17% of active listings came on in just the last 30 days — a slower-moving market, which shapes how much room there is to negotiate.
For a DSCR loan — which qualifies on the property's rental income rather than your personal income — that's a relatively healthy setup: in Panama City Beach, a meaningful share of listings throw off enough short-term-rental income, after costs, to cover an estimated investor mortgage payment.
What actually works in Panama City Beach
Panama City Beach works for investors, but the window is specific: 375 of the 1,401 Panama City Beach homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $609,000.
| Price | 1 bed | 2 bed | 3 bed | 4 bed | 5 bed |
|---|---|---|---|---|---|
| $150k–$250k | 45%1.21 | 75%1.48 | — | — | — |
| $250k–$350k | 31%1.07 | 35%1.17 | 73%1.40 | — | — |
| $350k–$500k | 19%1.08 | 17%0.99 | 41%1.20 | 86%1.68 | — |
| $500k+ | 0%0.90 | 1%0.84 | 10%0.85 | 24%0.99 | 39%1.10 |
Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.
Panama City Beach in full
| Active for-sale homes analyzed | 1,585 |
|---|---|
| Median list price | $468,498 |
| Median projected STR revenue (annual, gross) | $51,155 |
| Median average daily rate (ADR) | $270 |
| Median occupancy | 51% |
| Median beds | 2 |
| Median size | 1,325 sqft |
| Estimated cash-flow-positive share | 56.1% |
| Median days on market | 105 days |
| New listings (last 30 days) | 17.4% of active |
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