Cheap Apartments for Rent in Bay County, FL from $400 (96 Rentals)

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

Rent According to Income: A Look at Income-Restricted Rentals

Find income-restricted rentals and housing subsidies. Explore government programs designed to help low-income families secure stable, affordable housing.

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10X Breakfast Point
Rent Specials
$1,037 - $3,353
Total Monthly Price

Total Monthly Price

Base Rent
$1,037 - $3,353
Total Monthly Price
$1,037 - $3,353
1 to 3 Bedroom Apartments Available Now

10X Breakfast Point

9700 Panama City Beach PkyPanama City Beach, FL 32407
Corporate Housing
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property at 5138 Lance St

$1,095

2 Bedroom Rentals

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5138 Lance St

Panama CityFL32404
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10X Panama City Beach
Rent Specials
$1,162 - $3,631
Total Monthly Price

Total Monthly Price

Base Rent
$1,162 - $3,631
Total Monthly Price
$1,162 - $3,631
1 to 3 Bedroom Apartments Available Now

10X Panama City Beach

7150 W Highway 98Panama City Beach, FL 32407
Affordability
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Renters Insurance 101: What It Is, What It Covers, and Why You Need It

From theft to fire to water damage, the unexpected can happen to any renter. Discover why renters insurance is one of the smartest and most affordable investments you can make as a tenant.

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How I Find the Perfect Rental for My Clients: A Real Estate Pro's Guide

Finding the right apartment starts with three things: location, cost, and amenities. Get the insider perspective from a real estate professional on how to nail all three.

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What Does “Rent Burdened” Mean? How Much Rent Is Too Much

Learn the official definition (spending 30% or more of your gross income on housing) and how to calculate your exact rent-to-income ratio. This guide offers expert tips on factoring in total housing costs (including utilities and fees) and budgeting accurately to avoid unnecessary financial strain.

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10X Retreat at PCB
Rent Specials
$1,300 - $2,686
Total Monthly Price

Total Monthly Price

Base Rent
$1,300 - $2,686
Total Monthly Price
$1,300 - $2,686
1 to 3 Bedroom Apartments Available Now

10X Retreat at PCB

90 Sandal LnPanama City Beach, FL 32413
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7320 Sunset Ave, Unit 2
$1,300
Total Monthly Price

Total Monthly Price

Base Rent
$1,300
Total Monthly Price
$1,300
2 Bedroom Apartment Available Aug 31

7320 Sunset Ave, Unit 2

7320 Sunset AvePanama City, FL 32408
Affordability
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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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Cheapest Available Bay County Apartments for Rent

 

The cheapest available apartment rental in Bay County, FL is a Studio unit found at Cottages by the Bay priced from $899. Cedar Trace Apartments has the second lowest priced unit, which is a 1 Bed apartment currently listed from $900. Here is today’s list of the most affordable Bay County apartments for rent:

Apartment ListingModel NameBed/BathPriced From
Cottages by the BayStudioStudio,1BA$899
Cedar Trace Apartments1 bedroom1BR,1BA$900
Northgate Terrace IThe Kenley IIStudio,1BA$935
Palm Court Apartments2 Bed 1 Bath2BR,1BA$995
10X Breakfast PointA11BR,1BA$1,037
Tranquility at Saint AndrewsB32BR,2BA$1,151
10X Panama City BeachA11BR,1BA$1,162
Pinnacle at Hammock Square2x22BR,2BA$1,175
Pinnacle at Hammock Place2x22BR,2BA$1,180
Tyndall Pointe Townhomes1 Bed 1 Bath Unit1BR,1BA$1,195

Best Value Apartments for Rent in Bay County, FL

As of August 03, 2026 the best value apartment in the Bay County area is the $1.21 price per square foot Ryder Model at Sunset Village in the starting from $2,455. The second greatest value Bay County apartment is the 3 bedroom Model at Bridge Harbor Townhomes starting at $1,900 with a $1.28 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.
Sunset VillageRyder4BR,2BA$1.21
Bridge Harbor Townhomes3 bedroom3BR,2.5BA$1.28
The EnclaveGreat Blue Heron3BR,2BA$1.15
Arbor Trace Apartment HomesSilver Bell2BR,2BA$1.14
White SandsThe Avalon2BR,2BA$1.28
Tranquility at Saint AndrewsB12BR,2BA$0.98
North Bay LandingsTwo Bedroom2BR,2BA$1.28
Pinnacle at Hammock Square2x22BR,2BA$1.12
Pinnacle at Hammock Place2x22BR,2BA$1.13
Palm Court Apartments2 Bed 1 Bath2BR,1BA$1.21

Frequently Asked Questions about Cheap Bay County Apartments

What is a cheap apartment in Bay County?

A cheap apartment is any apartment up to the 30% percentile of cost for the area, which in Bay County is under $1,195.

What is the price of a cheap apartment in Bay County?

The cheapest apartment in Bay County is Cedar Trace Apartments which is listed at $900, while the average apartment in Bay County costs $1,700.

What types of apartments are the cheapest in Bay County?

Student, low-income, and by-the-bed apartments are typically the cheapest rentals in most cities, though they require qualifying criteria to rent. There are 23 regular apartments in Bay County that we think qualify as ‘cheap apartments’ that do not have special requirements to apply to rent.

How do the prices of cheap apartments compare to the average apartment in Bay County?

Cheap apartments in Bay County have an average cost of $107 which is $1,593 cheaper than the average rent for all rentals in Bay County.

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

decorative image for Rent According to Income: A Look at Income-Restricted Rentals article

Rent According to Income: A Look at Income-Restricted Rentals

Written by: Robin Stewart

The idea of affordable housing can be subjective. Every individual is in a different place financially and vocationally. What one may easily afford could be a struggle for someone else.

decorative image for First Apartment Regrets: Real Renters Share What They'd Do Differently article

First Apartment Regrets: Real Renters Share What They'd Do Differently

Written by: Robin Stewart

Hindsight is 20/20. Live and Learn. With age comes wisdom. We’re familiar with all those expressions, and all of them apply to lessons first-time renters learn.

decorative image for Renters Insurance 101: What It Is, What It Covers, and Why You Need It article

Renters Insurance 101: What It Is, What It Covers, and Why You Need It

Written by: Robin Stewart

Insurance seems to be a part of life. In some states, having insurance is the law, as is the case for automobile insurance. Renters are no exception.

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Apartment Occupancy Rates: Renter Attraction vs Renter Retention

Written by: Robin Stewart

There’s a tenet in marketing about client or customer attraction and retention. Studies and data have consistently shown it costs less to keep a current customer than to attract a new one.