The median listing price in Bay County was $400K in September 2026, down 4.0% from a year earlier (Realtor.com). 2,825 homes were listed for sale, down 5.4% year over year, with a median of 102 days on market. Bay County has 181,368 residents (-0.6% over five years) and a median household income of $70,188 (U.S. Census Bureau, ACS 2019–2023). Covered employment averaged 83,251 jobs in 2025 (+0.7%) (BLS QCEW).
Housing Market (September 2026)
| Median listing price | $400K | Florida county median $363K |
|---|---|---|
| Listing price change (YoY) | -4.0% | |
| Active listings | 2,825 | #18 of 67 |
| Inventory change (YoY) | -5.4% | |
| Median days on market | 102 | Florida county median 84 |
| Listings with a price cut | 20.9% | |
| Listing price per sq ft | $293 | #11 of 67 |
Source: Realtor.com® Economic Research (realtor.com/research/data).
People and Affordability
| Population | 181,368 | #30 of 67 |
|---|---|---|
| Population growth (5 yr) | -0.6% | Florida county median +4.4% |
| Median household income | $70,188 | Florida county median $66,154 |
| Median home value (owner-reported) | $277K | |
| Price-to-income ratio | 3.95× |
Source: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
Economy, Development and Banking
| Unemployment rate | 4.4% | |
|---|---|---|
| Total employment (2025) | 83,251 | +0.7% YoY |
| Average annual pay | $55,560 | |
| Permitted housing units, YTD (through August 2026) | 1,315 | -10.4% YoY |
| Banks headquartered here | 0 |
Sources: U.S. Bureau of Labor Statistics (LAUS, QCEW); U.S. Census Bureau Building Permits Survey; FDIC BankFind Suite.
See Bay County's Linton Global Market Score and Linton Global Value Gap, plus bank-owned real estate by county, on the Market Map. Free to unlock.
See the Linton Global scores →How we calculate them: methodology.
Frequently Asked Questions
What is the median listing price in Bay County, FL?
$400K in September 2026, according to Realtor.com Economic Research, -4.0% versus a year earlier.
Is Bay County's housing market getting more inventory?
Active listings were -5.4% year over year in September 2026 (2,825 listings). Rising inventory generally gives buyers more negotiating room.
How affordable is Bay County?
The ACS median home value is $277K against a median household income of $70,188, a price-to-income ratio of 3.95×.
Data is published as reported by each source and updated monthly. It describes the market, not any specific property, and is not an appraisal. Michael R. Linton, Florida Broker #BK703722.