We analyze thousands of real estate agents in Bay County and nationwide to find you proven local professionals, for free.
Agent Pronto analyzes transaction data, agent specialties, and client reviews to handpick the best agents in your area. Updated for November 2026.*
*Sales data is calculated based on transaction information available to Agent Pronto at the time of publishing and may not accurately reflect all transactions for a given agent.
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Information and statistics on the latest trends in the Bay County real estate market. *
September 2026
Monthly data for the latest available year.
Monthly supply and activity totals for the latest available year.
Market gauge is calculated using active listings and pending sales from the most recently available reporting period (Sep 2026).
Year-over-year, Bay County’s typical home value has dipped slightly while the median list price has climbed, pointing to sellers asking more even as closed values edge down. Compared with Florida overall, local home values are lower and inventory is a bit looser, giving buyers here relatively more room to shop.
In the latest September snapshot, buyers saw a median list price around the low $400,000s while the typical sold price sat noticeably lower, and homes took about 84 days to go under contract. Inventory has eased modestly over the past year and sits at roughly six and a half months of supply, reinforcing Bay County’s status as a buyer’s market.
Recent activity shows homes sold are up from a year ago even as new listings and pending sales have slipped, which can temper how quickly properties move. Only a small share of homes are selling above list and the average sale-to-list ratio sits just under 97 percent, so sellers often negotiate off asking prices. Buyers and sellers who want to navigate these shifting conditions can turn to Agent Pronto to connect with a local real estate agent who understands Bay County’s numbers on the ground.
Bay County offers residents a welcoming mix of natural beauty, outdoor recreation, strong schools, affordable living, and a growing economy that supports families and professionals alike.
Bay County offers a mix of Gulf Coast beaches, military and civilian employment centers, and year round recreation that appeals to full time residents and newcomers alike. Anchored by Panama City and Panama City Beach, the county provides convenient access to shopping, healthcare, and daily services, along with a regional airport at Northwest Florida Beaches International Airport for easy travel.
Families appreciate the range of schools within Bay District Schools and the programs at Gulf Coast State College. Outdoor time is simple to build into daily life. Residents enjoy waterfront walks at St. Andrews State Park, fishing on Shell Island, and trails across Conservation Park. In-town, local spots like Downtown Panama City offer dining, galleries, and community events, while neighborhoods from Lynn Haven to Callaway give options that range from quiet cul-de-sacs to waterfront living.
Traffic is manageable compared with larger metros, yet residents still enjoy regional access west to Walton County and east toward Gulf County. With a mix of newer construction and established communities, choosing the right part of Bay County can significantly impact commute time, insurance costs, and resale value. A knowledgeable local agent can explain these tradeoffs, streamline the search or sale, and reduce stress at every step. Agent Pronto connects both buyers and sellers with Bay County specialists who understand these details and know how to put them to work for you.
See why so many people rely on Agent Pronto to make their real estate journey a success.
“Nancy is knowledgeable, sweet, courteous, helpful, personable, and fun! We love her and cannot recommend her enough! We moved from another state and she made the process painless. Thank you again Nancy!!!!! - Bryan and Sharra”
“Team Smith are the epitome of what to expect from a realtor, way above and beyond! Recommendations of trustworthy professional contractors to provide repairs from inspections in better than a timely manner key to selling! From start to finish communications on updates and what to do next were exceptional. Michael and Colene provide an truly unbelievable quality to get you what you need in sales and purchases in addition to expanding the customer knowledge base to what "really goes on" 24/7 in the crazy whirlwind world of realty, so much more than one thinks. I highly recommend Michael for all your needs!”
“DJ is truly an exceptional real estate agent. In this extremely challenging market, DJ sold our property in less than one month. She was so strategic that she even had other interested buyers lined up as backups in case the original sale did not go through. Our condo had been listed twice before with other agents, remaining on the market for approximately four months each time without selling—even when the market was much stronger. I have bought and sold many properties, but I have never had such a smooth, pleasant, and stress-free experience. DJ’s dedication, professionalism, communication, and attention to every detail were outstanding from beginning to end. Even after closing, she surprised us with beautiful flowers and a thoughtful gift box, which meant so much to our family. DJ did much more than sell our condo—she helped us move forward with an important new chapter in our lives. We cannot thank her enough and would wholeheartedly recommend her to anyone looking for a knowledgeable, hardworking, and genuinely caring agent.”
“Stephanie Bartek was everything we could have asked for in a realtor and more. She stepped in after our agent, Travis, tragically passed away and never missed a beat. During such a difficult time, she handled the transition with compassion and professionalism and kept everything moving smoothly. She was excellent with negotiations, offered thoughtful ideas, and helped us navigate the entire sale from out of state. She truly provides full service. When we had belongings left behind after our move, Stephanie and her husband loaded them into moving pods at no cost to us. That kindness and willingness to go above and beyond meant so much to our family. Stephanie took care of both the sale and the people behind it. We are so grateful for everything she did and wholeheartedly recommend her!”
“Brandy came highly recommended to me by a trusted friend, and after working with her through the entire sale of my home, I completely understand why. She did a fantastic job from beginning to end. From getting the house ready for the market through the listing, sale, and closing, Brandy made the entire process incredibly easy and well coordinated. She stayed on top of all the details, kept me informed every step of the way, and always made sure I knew what was happening and what came next. She really took care of the moving pieces, which made selling my home much less stressful than I expected. I was also extremely impressed with how the home was marketed. The photos and listing did an excellent job highlighting the best features of the property and presenting it professionally. Now that we’ve successfully closed on the sale, I couldn’t be happier with my decision to work with Brandy. She was responsive, professional, and a pleasure to work with throughout the entire process. I’m very grateful for the original recommendation, and I would highly recommend Brandy myself to anyone looking to buy or sell a home.”
“Bill has helped me purchase a home and sold one for me. It doesn't stop there with him!! He has been truly amazing answering all the hundreds of questions I have had through both processes!! You cannot go wrong with Bill!”
“We used them both to buy our home and later to sell it. In every instance, the process was seamless and stress-free. They do an amazing job and are extremely helpful. I highly recommend them!”
“We absolutely loved working with Abigail to sell our vacation/rental home! Her knowledge of the local market is exceptional, and her relationships and network are such an asset. In fact, her connections helped bring us an unsolicited offer, which ultimately led to the sale of our home. Just as importantly, Abbbie is someone you immediately feel you can trust. She is knowledgeable, responsive, thoughtful, and genuinely cares about the people she works with. We always felt like we had a true partner looking out for us and guiding us through the process. One of the best parts of working with her is that what started as a business relationship quickly turned into a friendship. She is simply a kind, wonderful person, and we feel lucky to now call her a friend as well as our trusted realtor. We couldn’t recommend Abigail more highly!”
“Mandie did an awesome job, it made buying my first home a lot easier”
“Kieu was truly outstanding from start to finish. Home buying can be incredibly stressful, but she and her team made the entire process feel seamless. She was consistently supportive, patient, friendly, and remarkably responsive. Her care and professionalism stood out at every step, and she proved herself not only an excellent realtor but also a genuinely kind and dependable person. I would highly recommend Kieu to anyone looking for a realtor who truly has your back”
“I honestly cannot recommend our real estate agent enough. From the very beginning until well after closing, she went above and beyond for us in every possible way. As a military family, We were moving across the country to Florida, which made buying a home much more complicated and stressful. She wasn’t simply our real estate agent she became the person we knew we could count on. She was always available, incredibly patient, honest, responsive, and truly cared about finding the right home for our family, not just making a sale. She helped us through every step of the process, answered countless questions, handled problems when they came up, and did things for us that were far beyond what we ever expected from a real estate agent. Even after we closed and received the keys, she continued to be there for us whenever we needed help or advice. Thanks to her, we found a home that we absolutely love. What makes her special is that she genuinely cares about the people she works with. You never feel like you’re just another client or another transaction. She treats you like someone she truly wants to help. If you’re looking for a real estate agent in the Fort Walton Beach area, I would recommend her without hesitation. We would choose her again a thousand times over. She deserves every bit of success that comes her way. Thank you for everything you did for our family. We will never forget it.”
“Do yourself a favor and choose Matt if you want a smooth real estate transaction. He is an excellent communicator, calm, and incredibly reliable. He handled every detail, including marketing, scheduling appraisals and inspections, coordinating with contractors, and ensuring everything stayed on track. The entire process was completed on time, and I closed exactly as scheduled. One word sums up Matt perfectly: exceptional! He exceeded my expectations every step of the way.”
“Angela was nothing but the best always answer my question in time and helped my family move into our first house without any problems would highly recommend!”
“My wife, Kathleen, and I have been visiting the 30A area 2 or 3 times each year for the past 15 years. We stayed in various places from Fort Walton to Panama City Beach. About 5 years ago we discovered Grayton Beach and it won our hearts as our favorite place to stay. A couple of years ago we started exploring places to live near Grayton and discovered Point Washington. We decided that if we ever found the perfect place we would seriously think about buying a place in that area as a summer escape and a winter home. When we saw online that the Wild Blueberry Way property had a price drop, it fit perfectly into our budget. We did not have a realtor assisting us in our search, so I entered my name and phone number on one of the listing sites. The rest is history! Kathleen and I received a call from Nevan an hour or so later and put him on speaker phone. Nevan could not have been kinder or more professional. We arranged to drive from Huntsville the next day to look at the Wild Blueberry house. We fell in love! We put in an offer the next day, and after help from Nevan as our buyers' representative settled on a price with the seller. We scheduled a closing for two weeks later. Nevan helped us with everything required to make the purchase: the inspection, title company, and helped us arrange for insurance and utilities hookup. He stayed on top of each step along the way and his communication was always timely, friendly and professional. Kathleen and I had made a new friend and found the perfect second home! We are now enjoying ourselves just 2 blocks from the bay and a 15 minute bike ride from the beach, and plan to make memories here with friends and family for years to come. You can be sure we'll be recommending Nevan to anyone searching for a home anywhere along 30A!”
“Selling our condo was a much smoother experience than I expected, and I truly have Larry to thank for that. From the very beginning, he was knowledgeable, responsive, and incredibly professional. Night or Day, weekday or weekend Larry answered the phone and communicated actively any information about the process to us. A true professional. He guided us through every step of the process, answered all of my questions, and always made us feel confident in the decisions we were making. What impressed me most was his negotiation skills. Larry advocated for our best interests every step of the way and worked hard to secure the best possible outcome. We always felt like he had our back and never settled for less than what our home was worth. If you’re looking for an agent who is honest, strategic, communicative, and genuinely invested in their clients, we can’t recommend Larry Lazar highly enough. Selling a home can be stressful, but he made the entire process seamless. We would absolutely work with him again and recommend him to anyone buying or selling a home.”
“Tim has done a great job and helped me purchase and sell two properties. His team is very helpful and he also gives very candid feedback about the market and home conditions”
“Soni was the best! She was very informative from beginning to the end of our closing. She was so patient and made sure we received everything we wanted. I would definitely recommend Soni if you’re home shopping!”
“We had a wonderful experience working with Gabriel. What sets him apart is his absolute expertise on the area-he knows every neighborhood, the local amenities, and the homes inside and out. Instead of just showing us properties, he listened to our needs and guided us to a place that wasn't just a house, but a home. Gabriel is extremely detail oriented, and he even went out of his way to go over the contract with us in depth making sure all of our questions were answered. He was a voice of calm when we needed, and he made what was a stressful situation for us seamless and smooth. He provided phenomenal service and we enthusiastically give him 10 stars out of ten. Thank you Gabriel!”
“Jessica is an amazing Realtor. She truly cares about the people she works with and goes above and beyond to make her clients transition a smooth one. We just loved working with her and will definitely work with her again. She is great for vacation homes too both in the Smokies and Panama City Beach FL. Her knowledge of short term rentals helped us tremendously.”
“I have worked on a few loans with Barbara and Dean and I love them more and more each time. They're so knowledgeable about the area and truly care about their clients. They go above and beyond every time for the client. They're also very responsive across the board. They have also been in the business long enough that they have contacts for each issue that may arise. They are truly a blessing to my heart and brain. I know it will be a breeze when they are the agents in our clients corner!”
There are more than 2 million real estate agents across the U.S., and you want to be sure the one you partner with is an experienced and trustworthy professional with strong local expertise covering the housing market in and around Bay County. Working with a proven agent will help you sell your home faster and for more money, and help you find your dream home at the best possible price.
Choosing a real estate agent to help you buy or sell property is one of the most important decisions you’ll make in your lifetime. You want to make sure your agent is an expert in your area, has a proven record helping people buy and sell similar homes to yours, and is well regarded by their previous clients. Let us know a few details about the property you are selling or the kind of home you want to buy, and Agent Pronto will match you with trusted real estate agents that have the experience you need. And before you interview an agent, check out our top five questions to ask a buyer’s agent and listing agent.
We consider performance metrics, close rates, specialties, and client reviews to qualify the best full-time agents. We then take the information you provide about the home you are selling or the kind of home you want to buy, and analyze the top local agents with the right experience for your specific needs. For more than a decade, we've helped hundreds of thousands of home buyers and sellers find the right agent. Get started now and find the perfect real estate agent.
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