Low Income & Subsidized Housing in Panama City, FL
There are 26 subsidized and income-restricted properties in Panama City with roughly 2,091 assisted units — including 12 project-based Section 8 buildings, 5 public housing developments, and 14 LIHTC tax-credit communities, according to HUD administrative data. Reported tenant-paid rents across these buildings range from about $288 to $468 per month. Median reported wait: about 20 months.
Map of subsidized housing in Panama City
Complete directory of subsidized housing in Panama City
| Property | Units | Avg rent | Reported wait |
|---|---|---|---|
| St. Andrews Towers PB Section 8 | 216 | $412 | — |
| Andrews Place I LIHTC | 200 | — | — |
| Dickinson, Kirkland, Oakland Gardens Public Housing | 193 | $468 | 18 mo |
| Siena Gardens LIHTC | 150 | — | — |
| Andrews Place Ii LIHTCPB Section 8 | 120 | — | — |
| Foxwood Apartments LIHTCPB Section 8 | 100 | $342 | — |
| Macedonia Gardens PB Section 8 | 100 | $326 | — |
| Magnolia Pointe LIHTC | 100 | — | — |
| Edgewood Apts LIHTCPB Section 8 | 94 | — | — |
| Edgewood Garden Apartments PB Section 8 | 94 | $368 | — |
| Panama Commons LIHTCPB Section 8 | 92 | — | — |
| Royal Arms Garden Apartments PB Section 8 | 80 | $288 | — |
| Pelican Pointe LIHTC | 78 | — | — |
| Pana Villa LIHTCPB Section 8 | 72 | — | — |
| Pana Villa Garden Apartments PB Section 8 | 72 | $448 | — |
| Springfield Crossings LIHTCPB Section 8 | 60 | — | — |
| Hilltop Pointe LIHTCPB Section 8 | 50 | — | — |
| Asbell, Fletcher Black, Massalina Public Housing | 47 | $346 | 17 mo |
| Champion/johnson Memorial Public Housing | 40 | $364 | 32 mo |
| Gibb Gulf Coast Village §811 | 39 | $364 | — |
| Gatewood LIHTC | 37 | — | — |
| Kurze Ii LIHTC | 20 | — | — |
| The Park at Palo Alto Public Housing | 12 | $330 | 22 mo |
| Gibb Springfield Village §811 | 11 | $326 | — |
| Fletcher Black (phase 1) Public Housing | 10 | — | — |
| Kurze I LIHTC | 4 | — | — |
Section 8 apartments in Panama City (project-based)
These buildings carry HUD Section 8 contracts attached to the units — apply at each management office rather than through the voucher waitlist. How project-based Section 8 works →
| Property | Units | Avg rent | Reported wait |
|---|---|---|---|
| St. Andrews Towers PB Section 8 | 216 | $412 | — |
| Andrews Place Ii LIHTCPB Section 8 | 120 | — | — |
| Foxwood Apartments LIHTCPB Section 8 | 100 | $342 | — |
| Macedonia Gardens PB Section 8 | 100 | $326 | — |
| Edgewood Apts LIHTCPB Section 8 | 94 | — | — |
| Edgewood Garden Apartments PB Section 8 | 94 | $368 | — |
| Panama Commons LIHTCPB Section 8 | 92 | — | — |
| Royal Arms Garden Apartments PB Section 8 | 80 | $288 | — |
| Pana Villa LIHTCPB Section 8 | 72 | — | — |
| Pana Villa Garden Apartments PB Section 8 | 72 | $448 | — |
| Springfield Crossings LIHTCPB Section 8 | 60 | — | — |
| Hilltop Pointe LIHTCPB Section 8 | 50 | — | — |
Public housing developments in Panama City
Rents here are set at about 30% of household income and managed by the local housing authority. About the public housing program →
| Property | Units | Avg rent | Reported wait |
|---|---|---|---|
| Dickinson, Kirkland, Oakland Gardens Public Housing | 193 | $468 | 18 mo |
| Asbell, Fletcher Black, Massalina Public Housing | 47 | $346 | 17 mo |
| Champion/johnson Memorial Public Housing | 40 | $364 | 32 mo |
| The Park at Palo Alto Public Housing | 12 | $330 | 22 mo |
| Fletcher Black (phase 1) Public Housing | 10 | — | — |
LIHTC & affordable tax-credit apartments in Panama City
Tax-credit units rent below market rate for households within income bands (often 30–60% of Area Median Income). Understanding LIHTC →
| Property | Units | Avg rent | Reported wait |
|---|---|---|---|
| Andrews Place I LIHTC | 200 | — | — |
| Siena Gardens LIHTC | 150 | — | — |
| Magnolia Pointe LIHTC | 100 | — | — |
| Pelican Pointe LIHTC | 78 | — | — |
| Gatewood LIHTC | 37 | — | — |
| Kurze Ii LIHTC | 20 | — | — |
| Kurze I LIHTC | 4 | — | — |
Voucher rent limits: Bay County Fair Market Rents
Housing Choice Voucher payment standards in this area derive from HUD's FY2026 Fair Market Rents for Bay County: studio $1,426, 1-BR $1,480, 2-BR $1,682, 3-BR $2,169, 4-BR $2,689.
Full FMR table for Bay County →
How to apply for subsidized housing in Panama City
- Apply to buildings directly. Project-based Section 8, public housing, §202/§811 and LIHTC properties run their own waitlists — contact each office using the details on its page.
- Join voucher waitlists. Your regional housing authority administers Housing Choice Vouchers; ask about current openings and preferences. Step-by-step application guide →
- Document everything. ID, Social Security cards, birth certificates, and income proof speed up both paths.
- Stay reachable. Update your address everywhere — missed mail is the top reason applicants lose spots.
Nearby cities with low income housing
- Lynn Haven, FL
- Panama City Beach, FL
- Miami, FL
- Orlando, FL
- Jacksonville, FL
- Tampa, FL
- West Palm Beach, FL
- Homestead, FL
- Kissimmee, FL
- Naples, FL
- Pensacola, FL
- Gainesville, FL
Data: HUD Picture of Subsidized Households & LIHTC database (2024 vintage). Figures are administrative averages — confirm current availability with each property.