Section 8 in Panama City, FL: Rent Limits and Housing Authorities
Panama City-Panama City Beach, FL metro area. FY2027 Fair Market Rents, active voucher counts, the housing authorities that run the program here, and whether landlords can legally refuse a voucher. Every figure comes straight from HUD data.
Fair Market Rent by bedroom count
HUD rent benchmarks for FY2027, effective October 1, 2026. These are not adopted housing-authority payment standards or household subsidy amounts. The illustration shows 90% to 110% of FMR; ZIP-based schedules, approved exceptions and Moving to Work rules can differ.
| Bedrooms | FMR | Illustration: 90% to 110% of FMR |
|---|---|---|
| Efficiency (studio) | $1,414 | $1,273 to $1,555 |
| 1-bedroom | $1,517 | $1,365 to $1,669 |
| 2-bedroom | $1,651 | $1,486 to $1,816 |
| 3-bedroom | $2,101 | $1,891 to $2,311 |
| 4-bedroom | $2,567 | $2,310 to $2,824 |
The two-bedroom HUD benchmark for Panama City is $1,651. Multiplying by 90% and 110% gives $1,486 to $1,816, not an approval range. Gross rent includes the applicable allowance for tenant-paid utilities. Your agency must calculate assistance using its adopted standard, your household and the proposed unit.
What changed from FY2026 to FY2027 in Panama City
HUD's two-bedroom Fair Market Rent for the Panama City-Panama City Beach, FL metro fell from $1,682 in FY2026 to $1,651 in FY2027, a change of -$31 a month (-1.8%). FY2027 figures took effect on October 1, 2026.
| Bedrooms | FY2026 | FY2027 | Change |
|---|---|---|---|
| Efficiency (studio) | $1,426 | $1,414 | -$12 (-0.8%) |
| 1-bedroom | $1,480 | $1,517 | +$37 (+2.5%) |
| 2-bedroom | $1,682 | $1,651 | -$31 (-1.8%) |
| 3-bedroom | $2,169 | $2,101 | -$68 (-3.1%) |
| 4-bedroom | $2,689 | $2,567 | -$122 (-4.5%) |
The FMR is not what the voucher pays. Each housing authority sets its own payment standard. The basic range is 90% to 110% of the applicable FMR or SAFMR, with exceptions and Moving to Work policies that may differ. A HUD effective date is not a household rent-change notice. Confirm the adopted schedule and its application to your lease or reexamination with your agency.
Already renting with a voucher in Panama City? Under standard HCV rules, a lower payment standard does not cut your subsidy right away. Moving to Work agencies may use different policies. The housing authority may keep your current payment standard for as long as you stay in the same unit. If it decides to lower it, the reduction cannot start sooner than two years after the decrease takes effect, and only after it sends you the required notice (24 CFR 982.505(c)(3)). Families who are new to the program, or who move to a different unit, get the schedule in effect at that time.
Source: HUD Fair Market Rents, FY2026 and FY2027, huduser.gov.
Voucher demand in this metro
Aggregated from HUD Public Housing Authority data (FY2026). High utilization means most vouchers issued here are already placed in a unit, so landlords who accept vouchers fill vacancies from a deep, reliable applicant pool.
Housing authorities serving Panama City
3 PHAs administer vouchers in this metro. Apply with (or contact) the PHA that covers the specific address.
- Status unknown
Panama City Housing Authority
Panama City , FL · FL018 · 723 HCV units
8507695278 - Status unknown
Housing Authority of Springfield
Panama City , FL · FL035 · 452 HCV units
8507691596 - Status unknown
Chipley Housing Authority
Chipley , FL · FL038
8506380134
Can a landlord refuse Section 8 in Panama City, FL?
Yes. Florida law blocks local governments from requiring voucher acceptance, so landlords in Panama City, FL can legally decline Section 8 applicants. Listing on a voucher-friendly marketplace is the fastest way to find the landlords who do accept.
Florida HB 1417 (2023) preempts local tenant regulation; county source-of-income ordinances (Miami-Dade, Broward, Hillsborough, Orange, Pinellas) are of uncertain effect
PRRAC notes the 2023 preemption may nullify existing county ordinances; ask the county human-rights office whether it is still enforcing. PRRAC Appendix B (March 2026).
View statute →Informational only, not legal advice. Laws change, so verify current status before acting on a rejection or making a leasing decision.
Counties in the Panama City metro
County pages show the local voucher count, the housing authorities that serve it, and ZIP-level rent limits where HUD publishes them.
Frequently asked questions
- How much does Section 8 pay for a 2-bedroom in Panama City?
- In the Panama City-Panama City Beach, FL metro, the FY2027 two-bedroom Fair Market Rent is $1,651 per month. For illustration, 90% to 110% of that benchmark is roughly $1,486 to $1,816. This is not an adopted payment standard or subsidy quote. ZIP schedules, approved exceptions and Moving to Work rules may differ. Gross rent includes the applicable allowance for tenant-paid utilities.
- What are the FY2027 Fair Market Rents in Panama City?
- HUD's FY2027 Fair Market Rents for the Panama City-Panama City Beach, FL metro, by bedroom size: studio $1,414, 1-bedroom $1,517, 2-bedroom $1,651, 3-bedroom $2,101, 4-bedroom $2,567. These are HUD benchmarks, not household subsidy amounts. Confirm whether your agency uses ZIP-based standards and which schedule applies to your unit.
- Did Section 8 rent limits change in Panama City for FY2027?
- The two-bedroom Fair Market Rent for the Panama City-Panama City Beach, FL metro went from $1,682 in FY2026 to $1,651 in FY2027, a decrease of $31 a month. FY2027 Fair Market Rents took effect on October 1, 2026. HUD's effective date does not automatically change a household's assistance. Ask your administering agency which adopted schedule and effective date apply to a new lease, move or reexamination.
- How do I apply for Section 8 in Panama City?
- Section 8 in Panama City is administered by Panama City Housing Authority, Housing Authority of Springfield, Chipley Housing Authority. Each agency has its own application process, waiting lists and preferences. You may apply to more than one agency when eligible lists are open; a listing inquiry is not a voucher application. If you already have a voucher, confirm the receiving agency and any portability requirements for the proposed address.
Find Section 8 apartments in Panama City
VoucherMatch connects voucher holders with landlords who accept Section 8, and it is free for renters. The administering housing authority must approve the actual unit, rent and household assistance calculation.
Other Section 8 markets in FL
Rent limits from HUD FY2027 Fair Market Rent data. Investor running the numbers? The RentalCalcs voucher analyzer uses this same dataset.