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Homes for Sale Under 400K in Panama City, FL

2,031 Homes for Sale

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Photo 1 of Single family home for sale at 410 Otto Ln, Panama City, FL 32408 | MLS# 792098 | Listing updated on 2026-08-18

$335,500

Views: 7

Bedrooms: 3Bds

Bathrooms: 2Ba

Area: 1,148sqft

Single family home for sale

410 Otto Ln, Panama City, FL 32408

Christies International Real Estate Emerald Coast

Showing 463 - 504 of 2,031 homes for sale in Panama City, FL

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Panama City, FL Housing Market Overview

Panama City is a balanced market, giving buyers and sellers room to negotiate. With 4.6 months of supply and homes averaging 85 days on the market, you can make decisions without the pressure of a highly competitive market.

Status

Balanced Market

Days on Market

85

Inventory

296

Sep 2021Mar 2024Mar 2026

Median Home Price

$292,900Down 0.12%

In Mar 2026 · YoY

Sep 2021Mar 2024Mar 2026

Mortgage Rates 30-Yr Fixed

6.23%Down 0.58%

Current rate · YoY

Loan Type

30-Year Fixed

Housing Supply

Homes For Sale
296 Up 0.10%
Newly Listed Homes
127 Up 0.63%
Months of Supply
4.6 Up 0.20%

Housing Demand

Homes Sold
65 Down 0.00%
Sale-to-List Ratio
96.8% Down 0.50%
Homes Sold Above List
10.8% Up 4.32%

30-yr fixed rate 6.23% · Data as of Mar 2026 · Source: Houzeo Research.

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  • mls-imgIDX Logo
    Based on information from Central Panhandle Association of REALTORS® MLS through Oct 30, 2026, 12:15 PM. IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS. ©2026 Bay Central Panhandle Association of REALTORS®
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Homes Available icon

2,031

Homes Available

Median List Price icon

$ 292,900

Median List Price

Avg on Market icon

85 Days

Avg on Market