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Callaway, FL Utility & Living Guide
Callaway is a city in Bay County, Florida, United States, and is a suburb of Panama City. The population was 13,045 at the 2020 census, down from 14,405 at the 2010 census.
Monthly Utility Costs
$120/mo
—
$45/mo
$25/mo
$65/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $1102/mo |
| 2 Bedrooms | $1225/mo |
| 3 Bedrooms | $1531/mo |
| Median Home Price | $193,200 |
| Property Tax Rate | 1.2% |
| Avg Childcare/mo | $1000 |
The housing market in Callaway is competitive, with prices rising due to demand from families and retirees. New developments are increasing inventory but prices remain above pre-pandemic levels.
Cost of Living
105
+5% above national average
102
98
100
$1000
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 7.5% |
| Property Tax Rate | 1.2% |
| <p>State 6% + County 1% + City 0.5%</p> | |
Florida has no state income tax.
Family & Relocation
50
6.5/10
$1000/mo
City Pulse
Limited public transit; most families rely on cars. Sidewalks are available in newer neighborhoods.
- Callaway Arts and Conference Center
- Majette Park
- Panama City Beach
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Callaway based on your household profile.
📰 Live Local News
Residents must adhere to Bay County zoning laws and hurricane building codes. Short-term rentals require permits.
Financial Tools
- Income Tax CalculatorEstimate take-home pay by state
- Mortgage CalculatorMonthly payment estimator
- Affordability CalculatorHow much home can you afford?
- Childcare Cost EstimatorCompare daycare costs by city
- Retirement PlannerRetirement readiness check
- Car Lease CalculatorMonthly lease payment estimator
- Savings CalculatorGrow your emergency fund
- City Comparison ToolCompare cities side by side
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📊 Callaway — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
Summer AC usage spikes electric bills by 20-30%. Winter heating costs are minimal due to mild temperatures.
🏛️ Local Tax Details
Key ZIP code 32404: property tax millage rate of 1.2%. No local surtaxes specific to Callaway county.
👶 Family & Stroller Friendliness
6/10: Sidewalks are inconsistent but improving. Parks are accessible but transit lacks elevators.
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