Cheapest ZIPs in Bay County, FL
The 2 ZIP codes in Bay County, FL with HavenScore: 60 or higher, ranked by median home value. Refreshed October 2026.
Bay County against Florida
The middle scored ZIP in each: 10 ZIPs in Bay County, 924 in Florida. HavenScore, scored October 1, 2026. Typical home value: Zillow, August 2026.
| Figure | Bay County | Florida |
|---|---|---|
| Typical home value, Zillow | $312K | $345K |
| HavenScore | 55 | 49 |
Every scored ZIP in Bay County, FL
All 10 scored ZIPs, A to Z by city. The list above ranks only the cheapest. HavenScore, scored October 1, 2026. Typical home value: Zillow, August 2026.
Each row: ZIP, city, HavenScore (0–100), typical home value (Zillow).
- 32438FountainHavenScore 54Typical value $164K
- 32444Lynn HavenHavenScore 64Typical value $324K
- 32401Panama CityHavenScore 59Typical value $217K
- 32404Panama CityHavenScore 60Typical value $286K
- 32405Panama CityHavenScore 57Typical value $299K
- 32407Panama City BeachHavenScore 56Typical value $395K
- 32408Panama City BeachHavenScore 54Typical value $370K
- 32413Panama City BeachHavenScore 49Typical value $469K
- 32409SouthportHavenScore 46Typical value $374K
- 32466YoungstownHavenScore 49Typical value $273K
Cities in Bay County
- Panama City 3 ZIPs here
- Panama City Beach 3 ZIPs here
Related pages
Frequently asked questions
- How is "cheapest" measured in this list?
- ZIPs are ranked by median home value from lowest to highest, filtered to only those with HavenScore: 60 or above. The score filter excludes ZIPs where low prices correlate with weak growth, high risk, or economic decline.
- Why does this list show only 2 ZIPs?
- Only 2 ZIPs in Bay County, FL score HavenScore: 60 or higher this month, so the list is shorter than the usual 10. ZIPs that score lower are left out.
- How often is this list updated?
- This page refreshes monthly when our pipeline ingests new data from Zillow, Realtor, Redfin, and Census.