High-rent metro gap - Panama City, FL HUD Metro FMR Area
Displayed gap in Panama City, FL HUD Metro FMR Area: +24.2% (HUD $1,682 vs ACS $1,354) · counties in FMR rows: Bay County .
FMR gap dispatch plate
CBSA 37460 · Panama City, FL -24.2% shortfall
GAP-GENEROUS · FMR-TOP · SPREAD-PLUS · PHOTO-FINISH · COUNTY-SPARSE · BOOK-FULL
- GAP-GENEROUS 24.2% surplus
- FMR-TOP #312/396 · P79
- SPREAD-PLUS +$328
- PHOTO-FINISH Ogden
- COUNTY-SPARSE 1 county
- BOOK-FULL HUD+ACS pair
Nearest shortfall peer: Ogden, UT Metro Area (-0.0pp)
HUD's reference overshoots the ACS median by $328/mo. Lease-up odds are usually better than in shortfall markets, though still compare Ogden, UT Metro Area before assuming portability helps.
Instrument codes from this metro’s HUD FMR vs ACS shortfall band, national FMR quartile, dollar spread, gap peer, county footprint, and book completeness, not a moving recommendation.
Shortfall neighbourhood around Panama City, FL
Metros nearest this CBSA on voucher-vs-market shortfall (HUD FMR vs ACS 2-BR median). Full ladder: /gap/.
- Canton-Massillon -24.11
Canton-Massillon: -24.1% shortfall
-24.11 % shortfall
- Napa -24.13
Napa: -24.1% shortfall
-24.13 % shortfall
- Modesto -24.15
Modesto: -24.1% shortfall
-24.15 % shortfall
- Panama City · this metro -24.22
Panama City · this metro: -24.2% shortfall
-24.22 % shortfall
- Ogden -24.25
Ogden: -24.3% shortfall
-24.25 % shortfall
How does Panama City, FL compare with nearby FMR areas?
These are the twelve metros closest to Panama City, FL on the displayed voucher-vs-market margin. Their county lists are HUD FMR-area coverage, not a claim that the markets are interchangeable.
- Ogden, UT Metro Area
-24.3% shortfall · HUD $1,614 vs ACS $1,299 · $+$315/mo
HUD FMR-area counties: Davis County, Morgan County, Weber County.
- Modesto, CA Metro Area
-24.1% shortfall · HUD $1,758 vs ACS $1,416 · $+$342/mo
HUD FMR-area counties: Stanislaus County.
- Napa, CA Metro Area
-24.1% shortfall · HUD $2,773 vs ACS $2,234 · $+$539/mo
HUD FMR-area counties: Napa County.
- Canton-Massillon, OH Metro Area
-24.1% shortfall · HUD $1,086 vs ACS $875 · $+$211/mo
HUD FMR-area counties: Carroll County, Stark County.
- Cincinnati, OH-KY-IN Metro Area
-24.4% shortfall · HUD $1,353 vs ACS $1,088 · $+$265/mo
HUD FMR-area counties: Boone County, Bracken County, Butler County, Campbell County, Clermont County, Dearborn County.
- Kankakee, IL Metro Area
-24.4% shortfall · HUD $1,326 vs ACS $1,066 · $+$260/mo
HUD FMR-area counties: Kankakee County.
- Dallas-Fort Worth-Arlington, TX Metro Area
-23.9% shortfall · HUD $1,931 vs ACS $1,558 · $+$373/mo
HUD FMR-area counties: Collin County, Dallas County, Denton County, Ellis County, Hunt County, Kaufman County.
- Oxnard-Thousand Oaks-Ventura, CA Metro Area
-23.9% shortfall · HUD $2,693 vs ACS $2,174 · $+$519/mo
HUD FMR-area counties: Ventura County.
- Ocala, FL Metro Area
-24.6% shortfall · HUD $1,373 vs ACS $1,102 · $+$271/mo
HUD FMR-area counties: Marion County.
- Logan, UT-ID Metro Area
-24.6% shortfall · HUD $1,241 vs ACS $996 · $+$245/mo
HUD FMR-area counties: Cache County, Franklin County.
- Sebastian-Vero Beach-West Vero Corridor, FL Metro Area
-24.6% shortfall · HUD $1,604 vs ACS $1,287 · $+$317/mo
HUD FMR-area counties: Indian River County.
- Worcester, MA Metro Area
-24.7% shortfall · HUD $1,749 vs ACS $1,403 · $+$346/mo
HUD FMR-area counties: Worcester County, Worcester County, Worcester County, Worcester County, Worcester County, Worcester County.
Source: HUD USER FY2026 Fair Market Rent area records and Census ACS 2019–2023 median gross rent.
FL FMR scale context
These are the closest FY2026 2-BR FMR values in FL; they help place this HUD reference on its state scale, but do not substitute for each metro’s ACS rent comparison.
- Palm Bay-Melbourne-Titusville, FL MSA $1,709 (+$27)
- Port St. Lucie, FL MSA $1,757 (+$75)
- Sebastian-Vero Beach-West Vero Corridor, FL MSA $1,604 (−$78)
- Crestview-Fort Walton Beach-Destin, FL HUD Metro FMR Area $1,785 (+$103)
- Palm Coast, FL HUD Metro FMR Area $1,806 (+$124)
- Lakeland-Winter Haven, FL MSA $1,497 (−$185)
- Gainesville, FL HUD Metro FMR Area $1,493 (−$189)
- Pensacola-Ferry Pass-Brent, FL MSA $1,471 (−$211)
- Punta Gorda, FL MSA $1,470 (−$212)
- North Port-Bradenton-Sarasota, FL MSA $1,958 (+$276)
Low-FMR contrast (scale only)
Parkersburg-Vienna, WV MSA ($928 2-BR); Massac County, IL HUD Metro FMR Area ($969 2-BR); Peoria, IL MSA ($1,039 2-BR); Owensboro, KY MSA ($1,110 2-BR) . Opposite-quartile FMR metros for scale, not gap substitutes for Panama City, FL HUD Metro FMR Area.
Panama City, FL HUD Metro FMR Area gap inputs
- HUD 2-BR FMR (FY2026): $1,682/mo
- ACS 2019–2023 2-BR median: $1,354/mo
- Displayed gap: +24.2%
- National FMR percentile: 79 (#312/396)
displayed % = (HUD 2-BR − ACS 2-BR median) / ACS median × 100
Issuing PHAs for Panama City, FL HUD Metro FMR Area
FL HCV agencies (scale-keyed)
Full payment standards for Panama City, FL HUD Metro FMR Area · Payment standards vs FMR
Source: HUD USER Fair Market Rent FY2026, Census ACS median gross rent. Gap is PlainVoucher-derived. Methodology.
Disclaimer. For informational purposes only, not a substitute for PHA counseling or legal advice. Median gross rent reflects rents paid by current tenants; asking rents for available units typically run higher. Actual PHA payment standards can differ from HUD FMR by ±10%. Always confirm the current payment standard with your PHA. PlainVoucher is not affiliated with HUD or any PHA.