How long do homes take to sell in Panama City, FL?

Median days on market: 72 days.

What is the natural-hazard risk in Panama City, FL?

Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: hurricane, lightning, tornado, coastal flooding, cold wave.

Is Panama City, FL in a flood zone?

Flood zones vary by property across the city. 2,529 FEMA flood-insurance (NFIP) claims are on record; the most common zone among them is A. Check a specific address on the FEMA Flood Map Service Center.

What is the wildfire risk in Panama City, FL?

Risk to homes is higher than 80% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).

What is the radon potential in Panama City, FL?

Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.

Are there Superfund sites near Panama City, FL?

1 current or proposed National Priorities List site within 5 miles (EPA). Nearest site: Tyndall Air Force Base, 2.6 mi.

How many schools serve Panama City, FL?

37 schools (16 elementary, 4 middle, 11 high) (NCES, 2024-25).

Is Panama City, FL walkable?

Walkability index: 12.9/20 (EPA Smart Location Database).

What is the air quality in Panama City, FL?

Good. Median AQI: 44. (EPA AQI).

REAIGENT7 is a listing platform for real estate agents — where every page answers buyer questions with 25+ public government, academic, and industry research datasets (FEMA, NOAA, Census, NCES, and more). AI handles the questions; the agent owns the relationship. Direct buyer contact forms, marketing tools, and lead management built in. No competing agents on your listing, no per-ZIP fees, no referral fees on close.

Is it REAGENT7 or REAIGENT7?

It’s REAIGENT7 — “agent” with AI inside it, short for real estate AI agent. Plenty of people type it as reagent7, reagent 7, or re-aigent7, and that’s fine: you’re in the right place, and the official site is always reaigent7.com.

How does REAIGENT7 work for real estate agents?

Agents upload a property document — MLS sheet, flyer, appraisal, or any PDF — or enter listing details manually. REAIGENT7 creates a professional listing page they control in minutes. Every page includes AI chat that answers buyer questions 24/7, direct buyer contact forms, a photo gallery, and area insights. Works for MLS listings, pocket listings, off-market properties, and rentals. Agents share their link on social media, yard signs, email, and open-house flyers — and every buyer lands on their page.

How much does REAIGENT7 cost?

The Standard plan is $79/month (or $790/year — 2 months free) for up to 5 active listings. The Pro plan is $129/month (or $1,290/year — 2 months free) for up to 15 active listings. Both start with a 14-day free trial, no credit card required, and all features are included on every plan. Teams and brokerages are $119 per seat/month (or $1,190 per seat/year) — every seat is a full Pro seat with an even higher pooled listing allowance (18 per seat vs Pro's 15); Team plans bill from day one, with no trial.

Do I need a credit card to start?

No. The 14-day free trial requires no credit card. You can build listing pages, invite buyers, and collect leads without adding a payment method. You only add billing if you want the AI to keep answering and to publish new listings after the trial — your pages and leads stay live either way.

Can buyers ask questions about a property on REAIGENT7?

Yes. Every REAIGENT7 listing page has an AI chat assistant grounded in the real property data the listing agent provides. Buyers can ask about pricing, square footage, HOA fees, neighborhood information, disclosure history, schools, and more. For binding decisions like offers, pricing negotiations, and legal matters, the AI defers to the licensed agent.

How does the AI know about my listing?

When you upload an MLS sheet, flyer, or property document, REAIGENT7 extracts the facts — price, beds, baths, square footage, features, HOA, condition — and uses them to ground a per-listing AI assistant. You can edit any extracted field before publishing. The assistant answers from those facts plus the public area data for the listing’s ZIP; when it doesn’t have an answer, it’s instructed to say so and point the buyer to you rather than guess, and the listing chat carries an informational-only, verify-with-the-agent disclaimer.

Where do leads from my listing pages go?

Directly to you. Every lead — whether from the AI chat, a contact form, a showing request, or an open-house sign-in — lands in your dashboard and your inbox. REAIGENT7 does not sell buyer information, does not route buyers to competing agents, and does not charge referral fees on leads.

Does REAIGENT7 replace me as the agent?

No. The AI answers buyer questions about the property and area — schools, flood risk, climate, commute, HOA — and captures qualification info (budget, timeline, financing) during natural conversation. It doesn’t run multi-month nurture campaigns or pretend to be the agent. When a buyer wants to engage with a real person, that’s you — with the AI’s conversation context already in your dashboard so you start a real conversation, not from scratch.

Can I use REAIGENT7 for pocket listings or off-market properties?

Yes. REAIGENT7 works for MLS listings, pocket listings, pre-MLS properties, and off-market sales. You control privacy settings per listing — you can keep a listing out of public discovery (search engines and the sitemap) while keeping a direct share link or embed for targeted outreach.

What happens to my listings if I downgrade or cancel?

If you downgrade, your listings above the new plan’s limit are automatically unpublished (not deleted) on the day the downgrade takes effect — you can republish them if you upgrade again. If you cancel, once your paid period ends your 2 newest listings stay published (lead forms keep working; AI chat, creating and publishing listings, uploads, and AI content tools pause) and the rest are unpublished, never deleted — your data is retained, so you can resubscribe anytime to republish the rest. You can also delete your account entirely from Settings, which removes all data permanently.

How does lead pre-qualification actually work?

When a buyer chats with the AI, it naturally weaves in a few qualification questions based on context — budget range, timeline, financing type (cash, conventional, FHA, VA), and pre-approval status. The AI only asks about financial readiness and timeline; it never asks about family size, children, marital status, or any protected class. Qualified leads are flagged in your dashboard so you can prioritize serious buyers over casual browsers.

How fast can I set up a listing?

Go live in under five minutes. Upload an MLS sheet, flyer, or appraisal and the AI extracts the address, price, beds, baths, square footage, HOA, and school district automatically. You review the extracted facts, add photos, and publish. Manual entry also works if you prefer.

Can I send open house reports to sellers?

Yes. After every open house, you can send the seller a professional report with sign-in counts, top buyer questions, AI-identified gaps in the listing, and engagement insights — no buyer PII included. It’s a strong tool for listing presentations: show prospective sellers the real-time insights they’ll get on their own property.

How do I get my listing page in front of buyers?

Every listing comes with a QR code, direct share links, and embed codes for your website or blog. The Share hub also includes social caption and email drafts you can customize. Print the QR code on yard signs, flyers, and open-house handouts so buyers can scan and chat with the AI instantly.

FL area data

Panama City, FL

Aggregated across 4 ZIP codes in Panama City.

Population: 91,892 (Census ACS)

The typical home value in Panama City, FL is $267,424 — up 1.1% over the past year. Homes sell for a median $294,000 after a median 72 days on market. Typical rent runs $1,659/month. 37 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with hurricane, lightning, tornado the top-rated hazards. Cost of living is 3.4% above the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$267,424

Typical home value

+1.1%

1-year change

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Typical home value: $267,424
1-year appreciation: +1.1%
3-year appreciation: -1.0%
5-year appreciation: +22.2%
10-year appreciation: +84.9%
Peak value since 2000 (Apr 2024): $275,651
House Price Index (state): 552.0 (+0.9% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price: $294,000
Median list price: $303,967
Median price per sqft: $190
1-year sale-price change: +3.1%
Median days on market: 72 days
Homes sold (recent period): 520
For-sale inventory: 677
Sale-to-list ratio: 97.0%
Active listings: 786
1-year forecast: +0.3%
Days to pending: 75 days
New listings (monthly): 132

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent: $1,659/mo
1-year rent change: +1.5%
Studio fair-market rent: $1,414/mo
1BR fair-market rent: $1,517/mo
2BR fair-market rent: $1,651/mo
3BR fair-market rent: $2,101/mo
4BR fair-market rent: $2,567/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Above Average): 103.4 (100 = US avg)
Electricity rate (state-level): 15.2¢/kWh
Natural gas rate (state-level): $25.50/MCF
30-year mortgage rate (national): 7.40%
15-year mortgage rate (national): 6.73%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools: 37
Elementary schools: 16
Middle schools: 4
High schools: 11
Charter schools: 13
Avg student-teacher ratio: 16.2 : 1
School districts serving the area: BAY, FSU BAY
Schools include: BAY HIGH SCHOOL, MERRIAM CHERRY STREET ELEMENTARY, JINKS MIDDLE SCHOOL, ST. ANDREW SCHOOL AT OAKLAND TERRACE, RUTHERFORD HIGH SCHOOL

Source: NCES school directory, 2024-25 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county): Relatively Moderate
Top hazards (county): hurricane, lightning, tornado, coastal flooding, cold wave
Notable hazard ratings (county): hurricane: Very High · lightning: Very High · tornado: Relatively High · cold wave: Relatively Moderate · heat wave: Relatively Moderate · strong wind: Relatively Moderate
Most common flood zone among NFIP claims (varies by location): Zone A
NFIP flood claims on record: 2,529
Wildfire risk to homes (county): Higher than 80% of US counties
Buildings in wildfire direct-exposure zone: 28.5%
Radon potential (county): Low radon potential — EPA Zone 3 of 3
EPA Superfund (NPL) sites within 5 mi: 1
Nearest Superfund site: Tyndall Air Force Base (2.6 mi)

Sources: FEMA National Risk Index (county-level) · FEMA NFIP flood-insurance claims (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature: 69.7°F
Average high: 78.3°F
Average low: 61.3°F
Annual precipitation: 65.2 in
USDA plant hardiness zone: 9b (extreme annual low 25 to 30°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating: Good
Median AQI (annual): 44
Days with Good air quality: 239
Days with Moderate air quality: 121
Highest AQI recorded (year): 92

Source: EPA annual air quality index (county-level)

Walkability & transit

Walkability index: 12.9 / 20
Transit service frequency: -32,890
Jobs reachable by car (30 min): 16,419
Jobs reachable by transit (45 min): 12,335

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

Airports within 30 mi: 11
Nearest airport: Tyndall Air Force Base (PAM) (4 mi)
Nearest major airport: Tyndall Air Force Base (PAM) (4 mi)
Hospitals in or near a typical ZIP here: 4
Hospitals include: ASCENSION SACRED HEART BAY, HCA FLORIDA GULF COAST HOSPITAL, EMERALD COAST BEHAVIORAL HOSPITAL
Avg hospital rating (CMS): 2.5 / 5
Best hospital rating nearby (CMS): 2.8 / 5
EV charging stations (within 10 mi): 36
Solar radiation rating: Good (4.9 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data (same ZIP, else within ~40 mi) · DOE/NREL (proximity-based)

Migration

Net migration (county): +1,965 tax filers

Source: IRS SOI county-to-county migration (county-level; published with a multi-year lag)

Housing stock

Median year housing built: 1988
Housing built before 1970: 27.3%
Housing built 2000 or later: 37.4%
Median annual property tax: $1,498
Mean commute to work: 21 min
Households with broadband internet: 71.1%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment: 69,934
Average weekly wage: $1,028
Top industries (by employment): Accommodation & Food, Health Care, Construction
Annual residential building permits (county): 2,072

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

	Panama City	State median	US median
Typical home value	$267,424	$343,854	$288,527
Median sale price	$294,000	$359,990	$325,000
Median days on market	72 days	72 days	51 days
Typical rent	$1,659/mo	$2,085/mo	$1,809/mo
Median annual property tax	$1,498	$2,388	$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the typical home value in Panama City, FL?: $267,424.
What is the median sale price in Panama City, FL?: $294,000.
How long do homes take to sell in Panama City, FL?: Median days on market: 72 days.
What is typical rent in Panama City, FL?: Typical rent: $1,659/month.
What is the natural-hazard risk in Panama City, FL?: Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: hurricane, lightning, tornado, coastal flooding, cold wave.
Is Panama City, FL in a flood zone?: Flood zones vary by property across the city. 2,529 FEMA flood-insurance (NFIP) claims are on record; the most common zone among them is A. Check a specific address on the FEMA Flood Map Service Center.
What is the wildfire risk in Panama City, FL?: Risk to homes is higher than 80% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in Panama City, FL?: Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near Panama City, FL?: 1 current or proposed National Priorities List site within 5 miles (EPA). Nearest site: Tyndall Air Force Base, 2.6 mi.
How many schools serve Panama City, FL?: 37 schools (16 elementary, 4 middle, 11 high) (NCES, 2024-25).
Is Panama City, FL walkable?: Walkability index: 12.9/20 (EPA Smart Location Database).
What is the air quality in Panama City, FL?: Good. Median AQI: 44. (EPA AQI).
What is the cost of living in Panama City, FL?: Regional Price Parity: 103.4 (100 = US average) (Above Average) (BEA RPP, metro/state-level).

ZIP codes in Panama City

Listing a home in Panama City, FL?

REAIGENT7 gives every listing its own AI assistant grounded in this same public data — it answers buyer and renter questions about the home and the area, around the clock, and sends every lead to the listing agent. Agents: it installs on your listing page, your website, or WordPress.

See it on a demo listing Plans for agents

Data last updated

Most recent source refresh: Oct 2026. See all data sources →