ZIP 32413
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Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).
12-month history
Last updated: October 17, 2026
What the numbers show
January. Asking rents in ZIP 32413 usually run 3.5% below trend in January and 3.2% above it in July, about $121 a month apart at today's median. Based on 5 years of data.
Rent in ZIP 32413 is 1.4% below its high of $1,833 in July 2026, at $1,807 as of September 2026.
Rent in ZIP 32413 changed +1.9% over the year to September 2026. Across the 623 Florida ZIP codes Zillow tracks, the typical change was +1.8%.
Rent has fallen 2 months in a row, and rose in 7 of the last 12 months.
30% of the median household income ($80,039) is $2,001 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,840); a 3-bedroom is $2,370.
3rd cheapest of 3 ZIP codes in Panama City Beach.
From Zillow's monthly rent index (ZORI) for ZIP 32413. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.
Who lives here
ZIP 32413 (Panama City Beach, FL) is majority owner-occupied, has a large retiree population, 36.8% of residents hold a bachelor's degree or higher.
Source: U.S. Census Bureau · ACS 2024 5-Year Estimates
How ZIP 32413 in Panama City Beach, FL has changed in 5 years
Across the past five years, the going rent in ZIP 32413 in Panama City Beach, FL has shifted from $1,449 to $1,807, up 24.7% since 2021. Median household income climbed from $71,125 to $80,039 between 2021 and 2024, a 12.5% shift. Because rent grew faster than wages over the same span, the affordability picture has tightened relative to 2021. Census counts show ZIP 32413 in Panama City Beach, FL adding about 981 residents over the five-year window, up 6.8% on net. The renter share has risen from 26.4% to 29.8%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 31.2% to 36.8% across the same window. Taken together, the five-year picture in ZIP 32413 in Panama City Beach, FL reflects how housing costs and the people paying them have evolved through a stretch that included a pandemic, a hot rental market, and a recent cooling phase.
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Tips for renters in ZIP 32413
Last updated: October 17, 2026
ZIP code 32413 covers Panama City Beach, FL. The median rent here is $1,807/mo as of October 2026. A 1-bedroom rents for a median of $1,620/mo. A 2-bedroom rents for a median of $1,840/mo.
At 27% of local median household income ($80,039/yr), ZIP 32413 ranks as affordable compared to the national benchmark of 30%. Rents have increased 1.9% over the past year.
Frequently asked questions
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How does ZIP 32413 compare to other ZIPs in Florida?
How does ZIP 32413 compare to the rest of Panama City Beach?
At $1,807/mo, rent takes ~27% of ZIP 32413's median household income ($80,039/yr). The standard benchmark is 30%.
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