What is the Best Neighborhoods USA ranking for Pretty Bayou?
Pretty Bayou is ranked No published Panama City rank is currently available; #193 of 1,145 eligible neighborhoods in FL; and #4,392 of 14,967 eligible neighborhoods in the United States.
Neighborhood Profile
Pretty Bayou
Panama City, FL | Bay County
Scored premium profile
Best Neighborhoods USA Index
58.9
Stability and Strength
57.4
Value Opportunity
57.9
Momentum
62.6
Score note: Rankings show denominators so users always see the size of the eligible cohort.
| Context | Value |
|---|---|
| Location | Panama City, FL |
| County | Bay County |
| National rank | #4,392 of 14,967 |
| State rank | #193 of 1,145 |
| City rank | Not available |
| County rank | #1 of 5 |
| National percentile | 70.7 |
| National band | MIDDLE_50_PERCENT |
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Housing and local fundamentals
| Housing and market metrics | Value |
|---|---|
| Current Zillow home value | $410,063 |
| Year-over-year home value change | 4.4% |
| Month-over-month home value change | -0.39% |
| Home value to income ratio | 4.72 |
| Median household income | $86,814 |
| Bachelor's degree or higher | 43.4% |
| Civilian unemployment rate | 2.1% |
| Homeownership rate | 64.2% |
| Housing vacancy rate | 11.1% |
| Rent burden 30% or higher | 54.1% |
How to read this profile
- Ranks are always shown with denominators.
- Momentum reflects both year-over-year and month-over-month housing change.
- Stability and Strength and Value Opportunity are governed composite scores.
- Identity composition is descriptive intelligence and is not a scoring component.
Questions and Answers
Questions About Living in Pretty Bayou
Is Pretty Bayou one of the best neighborhoods in Panama City?
Pretty Bayou has a Best Neighborhoods USA Index of 58.9 and a city ranking of No published Panama City rank is currently available.
How much are homes worth in Pretty Bayou?
The current Zillow Home Value Index for Pretty Bayou is approximately $410,063.
Are home values rising or falling in Pretty Bayou?
Zillow neighborhood values changed 4.4% year over year and -0.39% month over month.
What is the Neighborhood Momentum Score for Pretty Bayou?
Pretty Bayou has a Neighborhood Momentum Score of 62.6. Momentum is 70% year-over-year and 30% month-over-month Zillow housing change.
What is the median household income in Pretty Bayou?
The NDS-derived neighborhood median household income is approximately $86,814.
How affordable is Pretty Bayou relative to household income?
The current Zillow home-value-to-household-income ratio is 4.72. Price-to-income affordability is a major Value Opportunity input.
Is Pretty Bayou primarily homeowners or renters?
The NDS-derived homeownership rate is approximately 64.2%.
What is the unemployment rate in Pretty Bayou?
The NDS-derived civilian unemployment rate is approximately 2.1%.
How educated are residents of Pretty Bayou?
Approximately 43.4% of residents age 25 and older are estimated to have a bachelor's degree or higher.
What share of renters in Pretty Bayou face high rent burden?
Approximately 54.1% of the applicable renter-household universe is estimated to spend 30% or more of household income on gross rent.
How does Best Neighborhoods USA score Pretty Bayou?
The overall index combines 40% Stability and Strength, 35% Value Opportunity, and 25% Momentum. Race, ethnicity, and identity composition are not scoring components.
Governed ranking context
How this neighborhood ranks
HMDA Mortgage Intelligence
Neighborhood Mortgage Market
Modeled neighborhood-level mortgage activity allocated from governed HMDA tract data using Zillow neighborhood geometry. These neighborhood values are nonadditive and do not enter the Best Neighborhoods USA Index.
Activity year2024
Estimated applications65
Estimated originations36
Home-purchase applications30
Origination rate54.8%
Home-purchase share46.5%
Average application loan$939,943
Total application loan amount$61,325,111
National application rank#6,144 of 14,874 rankable neighborhoods
Geometry coverage100.0%
Recent trend: Applications -9.3% YoY; originations -11.3% YoY
Mortgage methodology
HMDA is natively reported at tract and other lender-reporting geographies, not Zillow neighborhood or ZIP geography. This module uses the certified NDS HMDA-to-Zillow tract-vintage crosswalk and area-weighted allocation. Rankings require governed geometry coverage. Applicant demographics are excluded. Neighborhood values may overlap and must not be summed to reconstruct ZIP or national totals.