Panama City, FL Low Income Housing

Panama City, FL Low Income Housing Guide

Qualifying For Low Income Housing in Panama City, FL

How do I qualify for low income housing in Panama City, FL?
To qualify for low income housing in Florida, you must meet the following income requirements:

Your household income must be below 80% of the area median income (AMI). The AMI is updated annually by the Department of Housing and Urban Development (HUD) and varies by county.

You must have a valid Social Security number or Individual Taxpayer Identification Number (ITIN).

You must be a U.S. citizen or a legal immigrant.

In addition to the income requirements, you may also need to meet other eligibility requirements, such as:

- You must not have been evicted from any public housing or Section 8 housing in the past three years.
- You must not have any outstanding felony convictions for drug-related offenses.
- You must not be a registered sex offender.

Types of Low Income Housing in Panama City, FL

There are a variety of low-income housing options available in Panama City, FL, including:
  • Public Housing: Public housing is owned and operated by your area Housing Authority. Public housing units are rented to low-income households at below-market rates.
  • Section 8 Housing Choice Vouchers: Section 8 is a federal program that provides rental assistance to low-income households. Vouchers can be used to rent apartments, townhouses, or single-family homes from private landlords.
  • Low Income Housing Tax Credit (LIHTC): LIHTC is a federal program that provides tax credits to developers who build or renovate affordable housing units. LIHTC units are typically rented at below-market rates.
  • Project-Based Section 8: Project-based Section 8 is a federal program that provides rental assistance to low-income households who live in specific apartment buildings or housing developments.
  • Very Low Income Housing Development (VLID): VLID is a federal program that provides grants to states and local governments to fund the development of affordable housing for low-income households.


In addition to these federal programs, there are also a number of state and local programs that provide low-income housing assistance in Panama City, FL. These programs may offer rental assistance, down payment assistance, or other forms of financial assistance to help low-income households afford housing.

PublicHousing.com puts together our list of properties using the above program listings all on one website.



We display monthly rates for the apartments when possible. Most of subsidized apartments base the rent on income, therefore, you will need to contact the apartment directly for rates. We list all pertinent contact information.

HUD Fair Market Rent For Panama City, Florida - Bay County

Studio Apartments $1,269
One Bedroom Apartments $1,297
Two Bedroom Apartments $1,523
Three Bedroom Apartments $2,065

List of Low Income Housing in or near Panama City, FL

Stone Harbor Apartments

Stone Harbor Apartments - Panama City

501 Alf Coleman Road
Panama City, FL - 32407
(855) 897-8393
This apartment is rent subsidized by the Florida Housing Finance Corporation. Currently Stone Harbor has 160 subsidized apartments out of a total of 160 apartments. Occupancy status: Ready for Occupancy. There are 32 one bedroom apartments at Stone Harbor. Housing program available: Housing Credits 4% | SAIL | State Bonds. Community Amenities: Clubhouse Business Center Resident Activities Resort-Style Pool with Sundeck Heart Healthy Cardio & Fitness Studio Outdoor Green Spa...see full details
Bay County

Panama City Housing Authority - Panama City

804 E 15th Street
Panama City, FL - 32405
(850) 769-2358
Panama City Housing Authority provides housing assistance to low income residents through the management of programs such as Low Rent Public Housing and the Housing Choice Voucher Program - Section 8. These programs are income based and the eligibility requirements are set by HUD. There may be a waiting list for these programs and at times the lists may close to new applicants due to the overwhelming need for housing assistance and the size and length of wait of the list. If you are in need of ...see full details
Bay County

City Of Panama City Community Development - Panama City

2629 W. 10th Street
Panama City, FL - 32401
850-872-7230
This is a HUD Approved Housing Counseling Agency. Contact them for assistance for the following: Financial Management Budget Counseling Mortgage Delinquency and Default Resolution Counseling Non-Delinquency Post Purchase Workshops for Homeowners Pre-purchase Counseling Pre-purchase Homebuyer Education Workshops Languages Spoken at Housing Agency: English Spanish...see full details
Bay County
See What Other Users Are Saying
Apartment Costs (user reports): I don't. Everything is so expensive
* See More User Reports on apartment costs


Andrews Place

Andrews Place - Panama City

1914 Frankford Avenue
Panama City, FL - 32405
850-215-5483
This is a HUD funded apartment. HUD rent subsidies apply. This apartment is rent subsidized by the local housing finance authority. This apartment is rent subsidized by the Florida Housing Finance Corporation. Currently Andrews Place has 200 subsidized apartments out of a total of 200 apartments. Occupancy status: Ready for Occupancy. There are 32 one bedroom apartments at Andrews Place. The apartment was built in 2004. Office Hours M-F: 9:00 AM - 6:00 PM Sat: 10:00 AM - 5:00 PM ...see full details
Bay County
Are Utilities included in rent? (user reports): Water, sewage, and pest control
* See More User Reports on utilities


Siena Gardens - Panama City

901 W 19th St
Panama City, FL - 32405
850-769-6997
This apartment is rent subsidized by the Florida Housing Finance Corporation. Currently Siena Gardens has 150 subsidized apartments out of a total of 150 apartments. Occupancy status: Ready for Occupancy. There are 78 one bedroom apartments at Siena Gardens. Housing program available: Housing Credits 9% | SAIL. ...see full details
Bay County

Northgate Terrace Ii - Panama City

1915 Wilson Avenue
Panama City, FL - 32405
850-785-6762
This apartment is rent subsidized by the Florida Housing Finance Corporation. Currently Northgate Terrace Ii has 22 subsidized apartments out of a total of 65 apartments. Occupancy status: Ready for Occupancy. There are 48 one bedroom apartments at Northgate Terrace Ii. Housing program available: Federal Deposit Insurance Corporation. ...see full details
Bay County
See What Other Users Are Saying
Apartment Costs (user reports): 650-770 1 bedroom
* See More User Reports on apartment costs

Are Utilities included in rent? (user reports): water, sewer, garbage
* See More User Reports on utilities


Magnolia Pointe - Cedar Grove - Panama City

2437 East 11 Street
Panama City, FL - 32401
850-763-3111
This apartment is rent subsidized by the Florida Housing Finance Corporation. Currently Magnolia Pointe - Cedar Grove has 100 subsidized apartments out of a total of 100 apartments. Occupancy status: Ready for Occupancy. Housing program available: Housing Credits 9% | State HOME. ...see full details
Bay County

Independence Village - Panama City

910 Harrison Street
Panama City, FL - 32401

This apartment is rent subsidized by the Florida Housing Finance Corporation. Currently Independence Village has 24 subsidized apartments out of a total of 24 apartments. There are not avail. one bedroom apartments at Independence Village. Housing program available: SAIL. ...see full details
Bay County

Gatewood Apartments - Panama City

7100 Noel Road
Panama City, FL - 32404
850-784-9893
Currently Gatewood Apartments has 37 subsidized apartments out of a total of 37 apartments. Occupancy status: Ready for Occupancy. The apartment is rent subsidized by the US Department of Agriculture Rural Development. There are 6 one bedroom apartments at Gatewood Apartments. Housing program available: Rental Assistance RD | Section 515. ...see full details
Bay County

Bay County Florida, Habitat For Humanity Of

Bay County Florida, Habitat For Humanity Of - Panama City

PO Box 408
Panama City, FL - 32402
(229)924-6935
Habitat For Humanity Is A Nonprofit, Ecumenical Christian Housing Ministry Dedicated To Eliminating Substandard Housing And Homelessness Worldwide And To Making Adequate, Affordable Shelter A Matter Of Conscience And Action. Habitat Invites People From All Faiths And Walks Of Life To Work Together In Partnership, Building Houses With Families In Need....see full details
Bay County
Non Profit Apartment

Macedonia Gardens - Panama City

1722 W 17th St
Panama City, FL - 32405
850-785-9912
Macedonia Gardens is a Family low income housing apartment subsidized by the federal governments HUD (Housing and Urban Development Division). Contact Macedonia Gardens for complete details on the current vacancies and housing applications....see full details
Bay County
HUD Housing Apartment
Section 8 apartment

St. Andrews Towers - Affordable Community

St. Andrews Towers - Affordable Community - Panama City

24 Harrison Ave
Panama City, FL - 32401
(850) 785-9575
St. Andrews Towers is a senior low income housing apartment subsidized by the federal governments HUD (Housing and Urban Development Division). Contact St. Andrews Towers for complete details on the current vacancies and housing applications. St. Andrews offers you all you would expect in apartment living and more. A place to call home for anyone 62 and older or those under the age of 62 who require the features included in an accessible apartment. Your rent is based on your income and occupan...see full details
Bay County
HUD Housing Apartment
Section 8 apartment

Royal Arms Garden Apartments - Panama City

1420 Balboa Ave
Panama City, FL - 32401
850-785-7057
Royal Arms Garden Apartments is a Family low income housing apartment subsidized by the federal governments HUD (Housing and Urban Development Division). Contact Royal Arms Garden Apartments for complete details on the current vacancies and housing applications....see full details
Bay County
HUD Housing Apartment
Section 8 apartment

Pana Villa Garden Apartments - Panama City

1802 Flower Ave
Panama City, FL - 32405
850-785-3750
Pana Villa Garden Apartments is a Family low income housing apartment subsidized by the federal governments HUD (Housing and Urban Development Division). Contact Pana Villa Garden Apartments for complete details on the current vacancies and housing applications....see full details
Bay County
HUD Housing Apartment
Section 8 apartment

Edgewood Garden Apartments - Panama City

3325 W 23rd St
Panama City, FL - 32405
850-785-0585
Edgewood Garden Apartments is a Family low income housing apartment subsidized by the federal governments HUD (Housing and Urban Development Division). Contact Edgewood Garden Apartments for complete details on the current vacancies and housing applications....see full details
Bay County
See What Other Users Are Saying
Apartment Costs (user reports): I'm on disability so 30% of my income
* See More User Reports on apartment costs

Are Utilities included in rent? (user reports): Water, sewer, garbage pick-up
* See More User Reports on utilities

HUD Housing Apartment
Section 8 apartment

Gibb Gulf Coast Village - Panama City

6200 N Lagoon Dr
Panama City, FL - 32408
850-235-4663
Gibb Gulf Coast Village is a Disabled low income housing apartment subsidized by the federal governments HUD (Housing and Urban Development Division). Contact Gibb Gulf Coast Village for complete details on the current vacancies and housing applications....see full details
Bay County
HUD Housing Apartment
Section 8 apartment

Foxwood Apartments - Panama City

1701 Hamilton Ave
Panama City, FL - 32405
850-785-8036
Foxwood Apartments is a Family low income housing apartment subsidized by the federal governments HUD (Housing and Urban Development Division). Contact Foxwood Apartments for complete details on the current vacancies and housing applications....see full details
Bay County
HUD Housing Apartment
Section 8 apartment

Tips for Finding Low-Income Housing in Panama City, FL

  • 1. Check with local social service agencies. Many social service agencies offer affordable housing programs or can provide you with information on affordable housing resources in your area.
  • 2. HUD Exchange: The HUD Exchange website provides information on a variety of federal housing programs, including Section 8 and HOME.
  • 3. National Low Income Housing Coalition: The NLIHC website provides information on affordable housing programs and policies at the national and state levels.

Nearby Cities


Apartment Checklist
Check For Waiting Lists
Most apartments have waiting lists. Search early and do not just settle on one apartment choice.

Contact Your Local Housing Authority
Housing authorities have many opportunities. Many do have closed waiting lists, but they may be able to provide other public housing resources.

Check The Federal Poverty Sliding Scale Guidelines
Check to see if you qualify for low cost or free housing by comparing the guidelines to your income records.



Search by zip code
© 2008 - 2024 PublicHousing.com Affordable Housing Network
162.240.222.198