Cheap Apartments for Rent in Panama City, FL from $400 with Utilities Included (28 Rentals)

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Apartments with Utilities Included.

Cheap Apartments in Panama City.

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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Spring Gate
Studio to 2 Bedroom Apartments

Spring Gate

1500 Springate DrPanama City, FL 32404
  • Utilities Included

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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Palm Vista
Studio to 3 Bedroom Apartments

Palm Vista

322 Burkett DrPanama City, FL 32404
  • Utilities Included
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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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Parkway Apartments
1 to 2 Bedroom Apartments

Parkway Apartments

5707 Lake DrPanama City, FL 32404
  • Utilities Included
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Edgewood Apartments
1 to 4 Bedroom Apartments

Edgewood Apartments

3325 W 23rd StPanama City, FL 32405
  • Utilities Included

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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The Arbours
1 to 2 Bedroom Apartments

The Arbours

727 W 11th StPanama City, FL 32401
  • Utilities Included
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Sand Dunes Apartments
1 to 3 Bedroom Apartments

Sand Dunes Apartments

8011 Front Beach RdPanama City, 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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Panama City, FL Local Guide

10 Hidden Costs of Renting You Should Budget for Before Signing a Lease

Avoid financial stress when renting. Learn about the 10 most common hidden costs—from pet fees to utilities—you must budget for before you sign a lease.

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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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Quick Rent Budget Calculator

How much rent can you afford?

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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Best Local Schools in
Panama City, FL

School data provided by Great Schools

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

Explore Panama City, FL Rentals by Map

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Panama City, FL Area Reviews

    Estrella

    February 25, 2025

    Yo quiero tengo interés me decían q es más barato q Miami no creo alguien me puede escribir

    Frequently Asked Questions about Cheap Panama City Apartments

    What is the price of a cheap apartment in Panama City?

    The cheapest apartment in Panama City is Cedar Trace Apartments which is listed at $900, while the average apartment in Panama City costs $1,834.

    What types of apartments are the cheapest in Panama City?

    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 9 regular apartments in Panama City 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 Panama City?

    Cheap apartments in Panama City have an average cost of $307 which is $1,527 cheaper than the average rent for all rentals in Panama City.

    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 Apartment Occupancy Rates: Renter Attraction vs Renter Retention article

    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.

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

    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.

    decorative image for Creative Ways Developers Reimagine Retail Spaces as Residential Units article

    Creative Ways Developers Reimagine Retail Spaces as Residential Units

    Written by: Robin Stewart

    Adaptive reuse is when a commercial property is converted and repurposed. The real estate industry has embraced a growing number of these projects.