Section 8 in Panama City, FL: FMR & Landlord Guide
Panama City-Panama City Beach, FL metro area (CBSA 37460). FY2026 Fair Market Rents, active voucher counts, housing authorities and wait-list status, and source-of-income law. Every figure below links back to its source.
Fair Market Rent by bedroom count
HUD-published metro FMR for FY2026. Payment standards (what a PHA actually pays) are set between 90% and 110% of FMR at PHA discretion.
| Bedrooms | FMR | Payment standard (90–110%) |
|---|---|---|
| Efficiency (studio) | $1,426 | $1,283 – $1,569 |
| 1-bedroom | $1,480 | $1,332 – $1,628 |
| 2-bedroom | $1,682 | $1,514 – $1,850 |
| 3-bedroom | $2,169 | $1,952 – $2,386 |
| 4-bedroom | $2,689 | $2,420 – $2,958 |
Example: at 100% of FMR, a 2-bedroom voucher in Panama City, FL covers up to $1,682 in gross rent (before the tenant’s utility allowance). Between the low and high end of the range: $1,514–$1,850.
Voucher demand in this metro
Aggregated from HUD Public Housing Authority data (FY2026). High utilization means voucher holders are placed and reliably paying rent, a stable but competitive tenant pool for accepting landlords.
Housing authorities serving Panama City, FL
3 PHAs administer vouchers in this metro. Contact the PHA that covers the specific address you’re considering.
- Status unknown
Panama City Housing Authority
Panama City, FL · FL018 · 723 HCV units
- Status unknown
Housing Authority of Springfield
Panama City, FL · FL035 · 452 HCV units
- Status unknown
Chipley Housing Authority
Chipley, FL · FL038 · 0 HCV units
Source-of-income law in FL
A local ordinance in this jurisdiction protects voucher holders from source-of-income discrimination, even though FL has no statewide protection.
Miami-Dade Code Ch.11A · view statute →
Informational only, not legal advice. Laws change; verify current status before making a leasing decision.
Analyze a specific Panama City, FL property
Look up the address’s SAFMR (ZIP-level rent), plug the numbers into the voucher-vs-market analyzer, and check the HQS pre-inspection list before scheduling.