Cheap Apartments for Rent in Panama City Beach, FL from $700 (97 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
$1,255 - $2,260
Total Monthly Price

Total Monthly Price

Base Rent
$1,255 - $2,260
Total Monthly Price
$1,255 - $2,260
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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10X Panama City Beach
$1,345 - $2,079
Total Monthly Price

Total Monthly Price

Base Rent
$1,345 - $2,079
Total Monthly Price
$1,345 - $2,079
1 to 3 Bedroom Apartments Available Now

10X Panama City Beach

7150 W Highway 98Panama City Beach, FL 32407
Affordability
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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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property at 8201 Sunset Ave

$1,400

1 Bedroom Rentals

Available Now

8201 Sunset Ave

Panama City BeachFL32408
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The Tyde Apartments
Rent Specials
$1,419 - $2,104
Total Monthly Price

Total Monthly Price

Base Rent
$1,419 - $2,104
Total Monthly Price
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Studio to 3 Bedroom Apartments Available Now

The Tyde Apartments

1105 Clara AvePanama City Beach, FL 32407
Family Friendly
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10X Retreat at PCB
$1,490 - $2,332
Total Monthly Price

Total Monthly Price

Base Rent
$1,490 - $2,332
Total Monthly Price
$1,490 - $2,332
1 to 3 Bedroom Apartments Available Now

10X Retreat at PCB

90 Sandal LnPanama City Beach, FL 32413
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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Perla
Rent Specials
$1,545 - $2,404
Total Monthly Price

Total Monthly Price

Base Rent
$1,545 - $2,404
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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property at 9902 S Thomas Dr

$1,870

Total Monthly Price

Total Monthly Price

Base Rent
$1,870
Total Monthly Price
$1,870

2 Bedroom, 2 Bath Home for Rent

Available Aug 8

9902 S Thomas Dr

Panama City BeachFL32408
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618 Evergreen St
Studio to 2 Bedroom Apartments

618 Evergreen St

618 Evergreen StPanama City Beach, FL 32407
  • Utilities Included

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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8800 Front Beach Rd
Studio Apartments

8800 Front Beach Rd

8800 Front Beach RdPanama City Beach, FL 32407
  • Utilities Included
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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
property at 6568 Harbour Blvd

$1,400 - $1,450

1 Bedroom Rentals

Available Now

6568 Harbour Blvd

Panama City BeachFL32407
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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

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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Panama City Beach, FL Local Guide

Cheapest Neighborhoods for Apartments in Panama City Beach, FL

Pricing Updated: 07/07/2026

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$34,131$1,30344

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. White Sands has the second lowest priced unit, which is a 1 Bed apartment currently listed from $1,213. 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
White SandsThe Cabana1BR,1BA$1,213
10X Breakfast PointA11BR,1BA$1,250
MAA Emerald CoastThe Crestview1BR,1BA$1,278
Stone HarborThree Bedroom Two Bath3BR,2BA$1,283
79 WestThe West1BR,1BA$1,293
10X Panama City BeachA11BR,1BA$1,345
Legends at ClaraThe St. George1BR,1BA$1,399
Emerald ParkType 1A1BR,1BA$1,450

Best Value Apartments for Rent in Panama City Beach, FL

As of July 07, 2026 the best value apartment in the Panama City Beach area is the $1.46 price per square foot Mint Model at Covey Homes Grand Lagoon in the starting from $2,074. The second greatest value Panama City Beach apartment is the 3B2B 120 Model at Sunnyside Apartments starting at $1,980 with a $1.53 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$1.46
Sunnyside Apartments3B2B 1203BR,2BA$1.53
White SandsThe Avalon2BR,2BA$1.26
Stone HarborThree Bedroom Two Bath3BR,2BA$1.11
Pier Park CrossingsWarm & Attractive2BR,2BA$1.50
The Tyde ApartmentsB12BR,2BA$1.46
Parkside at the BeachB1 Patio2BR,1BA$1.60
MAA Emerald CoastThe Crestview1BR,1BA$1.55
10X Breakfast PointA11BR,1BA$1.53
5409 Hilltop Ave, Unit B5409 Hilltop Ave2BR,1BA$1.63

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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Panama City Beach, FL

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Remember the 3 Rules of Real Estate:
Location, Location, Location!

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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 $1,039 at Cottages by the Bay.

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 Stone Harbor and starts from $1,283.

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 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.

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

Written by: Robin Stewart

Evaluating rental properties for clients draws many parallels to house-hunting. Whether an apartment, loft, townhouse, or other rental, finding the right place means finding “home” for your client.

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Pet-Friendly Renting: Everything You Need to Know Before You Move

Written by: Christine Leonard, Esq.

For so many of us, pets are the best companions and a big part of our lives. For this reason, a pet-friendly house or apartment is often a very important - and nonnegotiable - part of a move.