Bay County, FL Property Data & Market Intelligence

Verified Coverage129,598 property records12 covered ZIP codes

Lotvox maintains county-records property data for Bay County, Florida — structural details, assessed and market values, and comparable-sales context, sourced from county assessor (CAMA) records. Verified Coverage is a county-scoped data-coverage claim: it means Lotvox has assessor structural data for properties across the named county, not a guarantee for any individual record.

Look up any address in the county for property details, valuation context, and comparables, or explore market conditions on the national map.

This market today

$357,500
Median sale
as-of 2026-05-31
$392,500
Median list
as-of 2026-05-31
$346,095
Home value (ZHVI)
as-of 2026-06-30
76.0
Median days on market
as-of 2026-05-31
6.3
Months of inventory
as-of 2026-05-31
2,934
Active listings
as-of 2026-05-31
648
New listings
as-of 2026-05-31
31.4%
Payment burden
as-of 2026-08-27
$1,704
Median rent (ZORI)
as-of 2026-06-30

Source: Lotvox county market summary (Redfin county series · Zillow ZHVI / ZORI county series · ACS income), one resolver for every surface. Payment burden: monthly P&I on the median sale price (20% down, 30yr @ 6.66% as-of 2026-08-27) ÷ ACS 2023 median household income / 12. Generated 2026-08-30.

The Sink — Bay County, FL

Faucet, basin and drain, after Jason Hartman’s metaphor.as of May 31, 2026

the basin is fillingnet 185 listings/mo
balanced 4–6 mofilling
Faucet — new listings
648/mo
118% of normal (551) · gushing
Basin — active listings
2,934
127% of normal (2,304) · high
Months of supply
6.3 mo
balanced band 4–6
Drain — closed sales
463/mo
97% of normal (477)
Net — faucet minus drain
+185/mo
filling
Reading
current
as of 2026-05-31
Compare against:
2015-01-01 to 2019-12-31 · 5 same-month points

How plugged is the drain? Two definitions, both ours, deliberately not reconciled.

  • 28%Absorption vs its own normal— 1 - (closed sales / active listings) / same-month median of that ratio
  • 3%Closed sales vs its own normal— 1 - closed sales per month / same-month median closed sales per month
  • Hartman, 2026-06-27“faucet at a trickle, basin about half of the normal level, drain about 30% plugged”— his own feed; he states no formula for the percentages
  • Hartman, 2026-09-03“drain about 35 to 40% clogged, basin about 65% full”— Thoughtful Money - MIXED SPEAKER transcript, analogy only, not attribution

Closed sales over 24 months — two different numbers, deliberately not merged.

  • 11/mofall in the monthly rate (2%)— peak 474/mo (2026-03-31) to 463/mo now
  • 698transactions that did not happen— summed monthly shortfall vs the same-month normal, over 16 months below it (vs 2015-19 (COVID excluded))
  • rate_drop_from_peak is a change in the monthly rate; cumulative_shortfall_vs_normal counts transactions not transacted. They are different quantities and are not interchangeable.
2026-05-31

Redfin market data (county + ZIP), via Lotvox. As of 2026-05-31. Normal = same-month median of monthly rates, minimum 3 same-month points. A fresher supply-only read (704 new, 2,943 active, 2026-06-01, Realtor.com inventory (county + ZIP), via Lotvox) is available but is NOT used in the net — that source publishes no closed sales, so subtracting across it would mix two vintages.

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Covered ZIP codes

Linked ZIPs open their Panama City Metro market page; the rest are covered by county records with their market page pending.

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