Cheap Apartments for Rent in Bay County, FL from $400 (66 Rentals)

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Search the lowest-cost Apartments available for rent right now in Bay County.

property at 901 Russ Lake Dr

$850

1 Bedroom, 1 Bath Home for Rent

Available Now

901 Russ Lake Dr

Panama CityFL32404

Your Guide to Co-Signers: The Risks, Rewards, and Everything in Between

Thinking about getting a co-signer for your rental application? We break down what a co-signer is, the potential benefits, and the serious risks for both parties. Find out if it's the right choice for you.

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Roommate Matching: Finding the Right Fit and Avoiding Pitfalls

When searching for a roommate, follow this list of essential steps and set clear expectations to create a solid foundation for a harmonious living situation.

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property at 830 West St

$1,025

2 Bedroom Rentals

Available Now

830 West St

Panama CityFL32404

The Art of the Rental Viewing: What to look for during a property tour

Touring a rental? This guide helps you know exactly what to look for, from safety features to hidden flaws, so you can confidently sign your lease or keep searching.

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Smart Renter's Guide: Calculating Affordable Rent & Housing Costs

Wondering how to determine your rental budget? This comprehensive guide covers everything from the 30% rule to hidden fees and effective budgeting strategies.

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Spring Gate
Studio to 2 Bedroom Apartments

Spring Gate

1500 Springate DrPanama City, FL 32404
  • Utilities Included
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5802 Sr-22
1 Bedroom Apartments

5802 Sr-22

5802 Sr-22Panama City, FL 32404
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The Arbors @ 15th
1 to 3 Bedroom Apartments

The Arbors @ 15th

265 W 15th StPanama City, FL 32401
  • Utilities Included
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Palm Vista
Studio to 3 Bedroom Apartments

Palm Vista

322 Burkett DrPanama City, FL 32404
  • Utilities Included
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618 Evergreen St
Studio to 2 Bedroom Apartments

618 Evergreen St

618 Evergreen StPanama City Beach, FL 32407
  • Utilities Included

Navigating the Rental Market: Tips for First-Time Renters

Entering the rental market? Learn these simple tips and strategies to avoid common pitfalls and make confident choices. Rent with peace of mind.

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Cheapest Available Bay County Apartments for Rent

 

The cheapest available apartment rental in Bay County, FL is a 3 Beds unit found at The Arbors @ 15th in the Downtown Panama City neighborhood priced from $775. Cottages by the Bay has the second lowest priced unit, which is a Studio apartment currently listed from $899. Here is today’s list of the most affordable Bay County apartments for rent:

Apartment ListingModel NameBed/BathPriced From
The Arbors @ 15thOakland3BR,2BA$775
Cottages by the BayStudioStudio,1BA$899
Cedar Trace Apartments1 bedroom1BR,1BA$900
Northgate Terrace IThe Kenley IIStudio,1BA$925
Pinnacle at Hammock Place1x11BR,1BA$946
Tyndall Pointe Townhomes1 Bed 1 Bath Unit1BR,1BA$995
Turtle LakeThe Seabreeze1BR,1BA$1,030
Stanford PointeOne Bedroom1BR,1BA$1,046
Westwood VillageThe Anise1BR,1BA$1,075
Bayside VillasB22BR,2BA$1,099

Best Value Apartments for Rent in Bay County, FL

As of March 20, 2026 the best value apartment in the Bay County area is the $1.21 price per square foot 3 bedroom Model at Bridge Harbor Townhomes in the starting from $1,800. The second greatest value Bay County apartment is the The Windmark Model at MAA Emerald Coast starting at $1,571 with a $1.18 price per square foot . Here is today’s list of the best values for Bay County apartments based on price per square foot:

Apartment ListingModel NameBed/BathPrice Per Sq.Ft.
Bridge Harbor Townhomes3 bedroom3BR,2.5BA$1.21
MAA Emerald CoastThe Windmark3BR,2BA$1.18
10X Breakfast PointC13BR,2BA$1.21
The Arbors @ 15thOakland3BR,2BA$0.66
Arbor Trace Apartment HomesTupelo1BR,1BA$1.26
Pinnacle at Hammock Square2x22BR,2BA$1.07
White SandsThe Cabana1BR,1BA$1.27
Stanford PointeOne Bedroom1BR,1BA$1.15
Tyndall Pointe Townhomes1 Bed 1 Bath Unit1BR,1BA$1.24
Pinnacle at Hammock Place1x11BR,1BA$1.29

Frequently Asked Questions about Cheap Bay County Apartments

What is the Cheapest Studio apartment in Bay County?

Currently the most affordable Cheap Studio Apartment in Bay County is at Cottages by the Bay listed at $899.

How much is rent for a Cheap One Bedroom Bay County Apartment?

The lowest price for a Cheap One Bedroom Bay County Apartment is $900 at Cedar Trace Apartments.

What is the lowest price for a Cheap Two Bedroom Bay County Apartment for rent?

Today's best deal for a Cheap Two Bedroom Apartment in Bay County is starting from $1,000 at Cedar Trace Apartments.

What is the most affordable Bay County Three Bedroom Apartment?

The best deal on a cheap Bay County Three Bedroom Apartment rental is at The Arbors @ 15th and starts from $775.

Expert Rental Resources

The rental experts at ApartmentHomeLiving.com provide you with top advice, tools, and tips for understanding the leasing process and finding the perfect rental. Here are a few helpful rental and leasing articles from our experts to guide you on your search.

Articles, How-To's, and Tips

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Maximizing Your Refund: Essential Tax Tips for Renters

Written by: Christine Leonard, Esq.

Other than tax professionals, I can’t think of anyone who looks forward to tax season. For everybody else, April is a stressful month to collect information and meet deadlines.

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18 Must-Ask Rental Tour Questions That Reveal the Truth about a Property

Written by: Lauren Harrington

Renting your next home can feel thrilling and overwhelming at the same time.

decorative image for A Renters Guide for Tips on Writing Your Notice for Not Renewing Your Apartment article

A Renters Guide for Tips on Writing Your Notice for Not Renewing Your Apartment

Written by: Bob Mallory

Packing up everything you own to move is so stressful for many that ending your apartment lease can feel like a small or unimportant task. Ending your lease involves more than simply turning over your keys on the last day.

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Renting with Roommates: Realistic Expectations for Shared Lease

Written by: Christine Leonard, Esq.

Given the high costs for housing, I have found that many people are looking for a roommate to share expenses. These arrangements can increase opportunities for more desirable and larger spaces.