163 Single Family New construction homes for sale in Panama City, FL
163 homes
Deal spotlight: real Jome success stories
Ana V.
First-time buyer with $500 down
We went from renting a crumbling home to owning a 4-bed with $500 down — Jome made it possible.
Bought with Jome - July 2025
Avenida by D.R. Horton
- 4 bd
- 2 ba
- 2 stories
- 1,891 sqft
Savings breakdown
Monthly payment
$1,679/mo$2,384/moSaved $705/moCash to close
$10,500$18,500Saved $8,000🔥 Deal worth: $16,640
Includes: lowered monthly investment, closing cost reduction
Why this home is a match:
- 4 bedrooms
- Modern finishes
- Open layout
- Family-friendly area
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Rachel P.
Turned down twice. Now a proud homeowner — with nothing due at closing!
I fixed my credit, worked with Jome, and got my home with $850 down — no closing costs.
Bought with Jome - July 2025
Landon Ridge by Lennar
- 3 bd
- 2 ba
- 1 story
- 1,266 sqft
Savings breakdown
Monthly payment
$1,600/mo$2,047/moSaved $447/moCash to close
$850$12,350Saved $11,500🔥 Deal worth: $20,514
Includes: lowered monthly investment, closing cost reduction
Why this home is a match:
- Affordable
- Manageable payments
- Fresh start
- Smart Layout
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Ankit S.
Locked in 3.99% — now paying what they did in rent
With Jome's help, we locked in 3.99% and now own a home for the same monthly payment as our rent.
Bought with Jome - July 2025
Frontier Pointe by D.R. Horton
- 2 bd
- 2 ba
- 1 story
- 1,123 sqft
Savings breakdown
Monthly payment
$1,553/mo$2,364/moSaved $811/moCash to close
$6,633$18,720Saved $12,087🔥 Deal worth: $21,819
Includes: blinds, refrigerator, gutters, garage door opener
Why this home is a match:
- 3.99% interest
- Modern Kitchen
- Energy Efficient
- Extras included free
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How much home can you afford?Get a quick estimate of how much you can afford based on common lender's approval criteria.
14 Single Family New home communities in Panama City, FL
14 communities
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Housing market in Panama City, FL
Real estate price trends
Home price data reflects 163 listings in Panama City, FL, sourced from Jome and updated regularly
*Based on Jome markets
What it's like to live in Panama City?
The Local Vibe (Location & Identity)
Panama City serves as the economic and industrial hub of Bay County, distinct from the seasonal tourism of the nearby beach. With a population of approximately 35,000, the city maintains a workforce-driven character supported by major employers like Tyndall Air Force Base and Eastern Shipbuilding Group. It functions as a standalone regional center where a mix of military personnel, healthcare professionals, and long-term residents define the local demographic.
Living Here: Amenities & Lifestyle
Residents often spend weekends exploring the waterfront at Historic St. Andrews or launching boats from the Panama City Marina. The Panama City Center for the Arts provides a cultural focal point downtown, while the nearby St. Andrews State Park offers access to pristine coastal ecosystems. Shopping is concentrated along the 231 corridor and at the Panama City Mall area, though many locals head to Pier Park for larger retail needs. Commutes are generally efficient, with US-98 and Highway 77 connecting neighborhoods to the major employment hubs at Gulf Coast Regional Medical Center and WestRock.
Schools & Family Appeal
Families in the area are served by Bay District Schools, which includes specialized programs like the collegiate high school at Gulf Coast State College. Community gathering spots like the Bay County Public Library and Frank Nelson Jr. Park provide ample space for recreation. These resources, combined with a lower cost of living compared to the immediate coast, make it a practical choice for established households.
Why New Construction Makes Sense Here
Given the significant impact of Hurricane Michael in 2018, much of the older housing stock in the area requires extensive maintenance or aging roof replacements. Choosing new construction in Panama City provides immediate peace of mind through 10-year structural warranties and modern building codes designed for coastal resilience. Buyers can avoid the immediate capital expenditures often associated with older homes, such as HVAC overhauls or plumbing updates. Exploring new home communities in Panama City allows residents to move into properties with the latest wind-rated materials and energy-efficient systems. These move-in ready homes in Panama City offer a streamlined path to homeownership without renovation delays.