RentDataNowRentDataNow
ZIP Code · FL

ZIP 32413

Pop. 15,453·Bay County·558th most expensive ZIP in Florida
Median rent (all units)
$1,673/mo
Year-over-Year
+7.5%
Month-over-Month
+0.4%
vs US Median
-$292
Stable (Monthly)
Be the first to discuss 32413 rents ↓
Most AffordableMost Expensive
ZIP 32413 · $1,673
More affordable than 61% of US ZIP codes · National median $1,965/mo
Rent check

Is your rent fair?

Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio
$1,560
1 BR
$1,620
2 BR
$1,840
3 BR
$2,370
4 BR+
$2,940
Research median
$1,840/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

Loading…

Last updated: July 20, 2026

Annual cost
$20,076/yr
At $1,673/mo median
Location
StateFL
CountyBay County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 7.5% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+7.5% YoY, +0.4% MoM), not inventory.
Demographics

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.

Population
15,453
Median income
$80,039
Median age
53
Renters
29.8%
Age distribution
18.6%
22.9%
21.5%
25.3%
Under 1811.7%
18–3418.6%
35–5422.9%
55–6421.5%
65+25.3%
Gender
49.2%
50.8%
Male49.2%
Female50.8%
Race & ethnicity
87.2%
White87.2%
Black0.9%
Hispanic9.1%
Asian0.6%
Other2.2%
Education (25+)
22.3%
36.6%
36.8%
No HS diploma4.2%
HS diploma22.3%
Some college36.6%
Bachelor's+36.8%
Housing tenure
70.2%
29.8%
Owner70.2%
Renter29.8%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 32413 in Panama City Beach, FL has changed in 5 years

Rent
$1,425 → $1,673
up 17.4%
Income
$71,125 → $80,039
up 12.5%
Population
14,472 → 15,453
up 6.8%
Renter share
26.4% → 29.8%
+3.4 pts
Bachelor's+
31.2% → 36.8%
+5.6 pts

Across the past five years, the going rent in ZIP 32413 in Panama City Beach, FL has shifted from $1,425 to $1,673, up 17.4% 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.

Community

Discussions about ZIP 32413

No discussions yet. Start the conversation.

Local insights

Tips for renters in ZIP 32413

About renting in ZIP 32413

Last updated: July 20, 2026

ZIP code 32413 covers Panama City Beach, FL. The median rent here is $1,673/mo as of July 2026. A 1-bedroom rents for a median of $1,620/mo. A 2-bedroom rents for a median of $1,840/mo.

At 25% of local median household income ($80,039/yr), ZIP 32413 ranks as affordable compared to the national benchmark of 30%. Rents have increased 7.5% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 32413?

As of July 20, 2026, the median monthly rent in ZIP 32413 (Panama City Beach, FL) is $1,673. This is based on aggregated data from public sources and community submissions.

How does ZIP 32413 rent compare to the US average?

ZIP 32413's median rent of $1,673/mo is $292 (15%) below the US national median of $1,965/mo.

How does ZIP 32413 compare to other ZIPs in Florida?

ZIP 32413 is among the more affordable ZIP codes in Florida, ranking #558 out of 662 ZIPs at $1,673/mo.

How much income do you need to rent in ZIP 32413?

To keep rent at or below 30% of gross income, you would need to earn at least $67,000/year (~$32/hour full-time) to afford the median rent of $1,673/mo in ZIP 32413. The local median household income is $80,039/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 32413?

Rent in ZIP 32413 has increased 7.5% over the past year as of July 20, 2026, putting upward pressure on renter budgets.

Is ZIP 32413 an affordable place to rent?

ZIP 32413 is considered affordable for renters. At $1,673/mo, rent takes approximately 25% of the local median household income ($80,039/yr). The standard benchmark is 30%. ZIP 32413 falls comfortably within that range.

What percentage of ZIP 32413 residents rent vs. own?

According to Census data, approximately 29.8% of ZIP 32413 households are renters, while 70.2% are owner-occupied. ZIP 32413 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 32413 compare to the rest of Panama City Beach?

ZIP 32413 is pricier than Panama City Beach as a whole. At $1,673/mo, it's $7 above the Panama City Beach citywide median of $1,666/mo.

When was rent data for ZIP 32413 last updated?

Rent data for ZIP 32413 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
25%
AFFORDABLE

At $1,673/mo, rent takes ~25% of ZIP 32413's median household income ($80,039/yr). The standard benchmark is 30%.

ZIP 32413 25%Benchmark 30%
State income taxNone
Compare

How does this area stack up?

Pick another city or ZIP to compare.

Schools nearby

Public schools near ZIP 32413 (Panama City Beach, FL)

Recent submissions

Be the first to submit your rent for this ZIP.

Recent discussions

No discussions yet.