Cheap Apartments for Rent in Panama City Beach, FL from $700 (74 Rentals)

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Search the lowest-cost Apartments available for rent right now in Panama City Beach.

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10X Breakfast Point
Rent Specials
$1,248 - $5,774
Total Monthly Price

Total Monthly Price

Base Rent
$1,248 - $5,774
Total Monthly Price
Varies
1 to 3 Bedroom Apartments Available Now

10X Breakfast Point

9700 Panama City Beach PkyPanama City Beach, FL 32407
Furnished
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10X Panama City Beach
Rent Specials
$1,273 - $4,768
Total Monthly Price

Total Monthly Price

Base Rent
$1,273 - $4,768
Total Monthly Price
Varies
1 to 3 Bedroom Apartments Available Now

10X Panama City Beach

7150 W Highway 98Panama City Beach, FL 32407
Affordability
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  • Smoke Free

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
$1,357 - $3,073
Total Monthly Price

Total Monthly Price

Base Rent
$1,357 - $3,073
Total Monthly Price
Varies
1 to 3 Bedroom Apartments Available Now

10X Retreat at PCB

90 Sandal LnPanama City Beach, FL 32413
Affordability
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  • Customer Reviewed
  • 3D Tour

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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Perla
Rent Specials
$1,555 - $2,459
Total Monthly Price

Total Monthly Price

Base Rent
$1,555 - $2,459
Total Monthly Price
Varies
1 to 3 Bedroom Apartments Available Now

Perla

2195 Wilkinson StPanama City Beach, FL 32408
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property at 2519 beech st

$1,595

Total Monthly Price

Total Monthly Price

Base Rent
$1,595
Total Monthly Price
$1,595

2 Bedroom, 1.5 Bath Townhome for Rent

Available Now

2519 beech st

Panama City BeachFL32408

Cash or credit? Understanding the Importance of Credit Score in Real Estate and Renting

Discover how your credit score impacts your ability to lease or buy a home. Learn how credit scores are determined, how to check yours, and strategies to improve it for real estate success.

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618 Evergreen St
Studio to 2 Bedroom Apartments

618 Evergreen St

618 Evergreen StPanama City Beach, FL 32407
  • Utilities Included
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8800 Front Beach Rd
Studio Apartments

8800 Front Beach Rd

8800 Front Beach RdPanama City Beach, FL 32407
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Pelican Pointe
2 to 4 Bedroom Apartments

Pelican Pointe

10310 Clarence RdPanama City Beach, FL 32407
  • Utilities Included
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2602 Willow Oak Ct
Studio to 1 Bedroom Apartments

2602 Willow Oak Ct

2602 Willow Oak CtPanama City Beach, FL 32408
  • Utilities Included
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Watermark at Urban Blu
1 to 3 Bedroom Apartments

Watermark at Urban Blu

8551 Panama City Beach PkyPanama City Beach, FL 32407
property at 6568 Harbour Blvd

$1,400 - $1,450

1 Bedroom Rentals

Available Now

6568 Harbour Blvd

Panama City BeachFL32407

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 17462 Front Beach Rd

$1,500

Total Monthly Price

Total Monthly Price

Base Rent
$1,500
Total Monthly Price
$1,500

1 Bedroom, 1 Bath Townhome for Rent

Available Now

17462 Front Beach Rd

Panama City BeachFL32413
property at 8003 Beach Dr

$1,650

2 Bedroom Rentals

Available Now

8003 Beach Dr

Panama City BeachFL32408

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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Panama City Beach, FL Local Guide

Cheapest Neighborhoods for Apartments in Panama City Beach, FL

Pricing Updated: 05/22/2026

Current apartment rentals in the Panama City Beach, FL area range in price from to with an overall median price of . Here is today’s list neighborhoods with the lowest median pricing for Panama City Beach Apartments for rent:

NeighborhoodMedian PriceMin PriceAvailable Units
Palmetto Trace$3,500$1,49514

Cheapest Available Panama City Beach Apartments for Rent

 

The cheapest available apartment rental in Panama City Beach, FL is a Studio unit found at Cottages by the Bay priced from $899. Stone Harbor has the second lowest priced unit, which is a 1 Bed apartment currently listed from $923. Here is today’s list of the most affordable Panama City Beach apartments for rent:

Apartment ListingModel NameBed/BathPriced From
Cottages by the BayStudioStudio,1BA$899
Stone HarborOne Bedroom One Bath1BR,1BA$923
Caladium ApartmentsStudioStudio,1BA$925
10X Breakfast PointA11BR,1BA$1,248
Exchange at the Beach1 Bedroom 120%1BR,1BA$1,253
The Place at Grand LagoonA11BR,1BA$1,255
10X Panama City BeachA11BR,1BA$1,273
Pier Park CrossingsCozy & Classic1BR,1BA$1,336
Watermark at Urban BluSundial1BR,1BA$1,349

Best Value Apartments for Rent in Panama City Beach, FL

As of May 23, 2026 the best value apartment in the Panama City Beach area is the $1.43 price per square foot Mint Model at Covey Homes Grand Lagoon in the starting from $2,025. The second greatest value Panama City Beach apartment is the C1 Patio Model at Parkside at the Beach starting at $2,121 with a $1.56 price per square foot in the Palmetto Trace neighborhood. Here is today’s list of the best values for Panama City Beach apartments based on price per square foot:

Apartment ListingModel NameBed/BathPrice Per Sq.Ft.
Covey Homes Grand LagoonMint3BR,2.5BA$1.43
Parkside at the BeachC1 Patio3BR,2BA$1.56
10X Retreat at PCBC13BR,2BA$1.37
Edgewater CrossingsMONTEREY2BR,2BA$1.48
MAA Emerald CoastThe Santa Rosa2BR,2BA$1.40
White SandsThe Cabana1BR,1BA$1.41
Sea SoundSunset 31BR,1BA$1.62
10X Breakfast PointA11BR,1BA$1.53
Stone HarborOne Bedroom One Bath1BR,1BA$1.15
The Place at Grand LagoonA11BR,1BA$1.61

Don't Settle: How to Negotiate Your Apartment Lease and Save Money

Discover the insider tips from an attorney and real estate agent on how to negotiate your next apartment lease. Find out what's on the table and what's not, so you can save money and get the best terms possible.

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Real Estate and Rental Term Glossary | ApartmentHomeLiving.com Renter University

From the letter A all the way to the letter Z, the Real Estate and Rental Term Glossary from the content team at ApartmentHomeLiving.com provides our visitors and shoppers with a little clarity and helpful guidance in navigating the real estate world through definitions and explainers for the top subjects and terms that someone may come across during the leasing, buying, or selling process.

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The common "Rule of Thumb" is that rent should be no more than 30% of your income. How much is that? Enter your monthly income and click "Calculate My Budget" to find out.

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Remember the 3 Rules of Real Estate:
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Frequently Asked Questions about Cheap Panama City Beach Apartments

What is the Cheapest Studio apartment in Panama City Beach?

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

How much is rent for a Cheap One Bedroom Panama City Beach Apartment?

The lowest price for a Cheap One Bedroom Panama City Beach Apartment is $923 at Stone Harbor.

What is the lowest price for a Cheap Two Bedroom Panama City Beach Apartment for rent?

Today's best deal for a Cheap Two Bedroom Apartment in Panama City Beach is starting from $1,374 at 10X Breakfast Point.

What is the most affordable Panama City Beach Three Bedroom Apartment?

The best deal on a cheap Panama City Beach Three Bedroom Apartment rental is at The Place at Grand Lagoon and starts from $1,650.

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 A Seasoned Property Manager's Step-by-Step Guide to Getting Your Deposit Back article

A Seasoned Property Manager's Step-by-Step Guide to Getting Your Deposit Back

Written by: Lauren Harrington

I’m going to talk with you as a seasoned property manager and friend. So, let’s start with your security deposit. I want you to think about this guide as insider information. You deserve your deposit back.

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Expert Solutions for Creating the Perfect Work-From-Home Apartment Layouts

Written by: Lauren Harrington

This article is based on first-hand experience managing apartment communities and helping renters adapt to their spaces after moving in.

decorative image for What Does “Rent Burdened” Mean? How Much Rent Is Too Much article

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

Written by: Lauren Harrington

This article draws from first-hand renter experiences and recurring financial challenges reported after moving in.

decorative image for Maximizing Your Refund: Essential Tax Tips for Renters article

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.