County profile · Florida
Bay County, FL market data
How Bay County compares with other counties for 56 business types: competitors, household spending, official counts and growth.
- Population, 2025
- 204,479
- +17.2% since 2020
- Households
- 78,778
- Median household income
- $73,533
- +35.4% vs. 2015–2019, before inflation
- Median home value
- $310,500
- Jobs located here
- 79,343
- Highest market score
- 79
- Veterinarians, #112 of 1,485 scored counties
A site report maps the competitors on map listings around any address in Bay County by name and distance, and the households and spending within reach. Or open the report at the center of Bay County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardSurvey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure
What this means
Bay County has an estimated 204,479 people and 78,778 households. Population estimates show Bay County grew 17.2% from 2020 to 2025, faster than the U.S. (+3.1%). Median household income in Bay County is $73,533, 9% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 35.4%, before inflation.
Relative to the U.S., household spending in Bay County runs highest on vehicle insurance (an index of 123, where 100 is the U.S. average) and lowest on memberships, classes and admissions (73).
Of the business types scored in Bay County, veterinarians (79), pet grooming and boarding businesses (74) and optometrists and eye clinics (73) have the highest Groundwork market scores. For veterinarians, that ranks #112 of 1,485 scored counties.
Bay County is part of the Panama City-Panama City Beach metro area. Against the U.S., map listings per household run highest for roofing and gutter companies (2.1 times the U.S. rate) and lowest for chiropractors (37% below the U.S. rate).
All 56 business types in Bay County
Highest Groundwork market score first. Each score compares Bay County with other counties for that business type, from 0 to 100. Spending per listing divides a whole spending line (all vehicle repairs, all eating out) by one type’s listings: the demand for each competitor, not a business’s revenue. Compare it across markets with its index, where 100 is the U.S. figure for the same type; the real estate types, whose line is all housing costs, show the index only. How the score works.
| Business type | Score | Rank among counties | Listings | Per 10k households | Spending per listing | Spending per listing vs. U.S. (100) | Official establishments |
|---|---|---|---|---|---|---|---|
| Veterinarians | 79 | #112 of 1,485 | 26 | 3.3 | $2.7M | 99 | 16 |
| Pet grooming and boarding | 74 | #140 of 1,461 | 31 | 3.9 | $2.2M | 88 | 14 |
| Optometrists and eye care | 73 | #152 of 1,302 | 24 | 3.0 | $3.6M | 115 | 9 |
| Funeral homes | 73 | #187 of 1,472 | 13 | 1.7 | $820K | 121 | 7 |
| Chiropractors | 72 | #189 of 1,490 | 27 | 3.4 | $3.2M | 134 | 17 |
| Insurance agencies | 71 | #445 of 2,272 | 105 | 13.3 | $1.8M | 144 | 67 |
| Pet businesses | 69 | #333 of 2,200 | 93 | 11.8 | $750K | 85 | 39 |
| Grocery stores | 68 | #467 of 2,070 | 54 | 6.9 | $8.8M | 94 | 29 |
| Child care and preschools | 67 | #345 of 1,611 | 39 | 5.0 | $893K | 89 | 37 |
| Gyms | 66 | #333 of 1,792 | 47 | 6.0 | $1.2M | 93 | 17 |
| Collision repair and body shops | 64 | #356 of 1,327 | 25 | 3.2 | $2.8M | 90 | 10 |
| Landscaping and lawn care | 63 | #416 of 1,493 | 51 | 6.5 | $2.3M | 78 | 79 |
| Grocery and convenience stores | 62 | #728 of 2,402 | 163 | 20.7 | $2.9M | 86 | 60 |
| Martial arts and dance studios | 61 | #366 of 1,334 | 34 | 4.3 | $1.7M | 83 | 10 |
| Dentists and orthodontists | 60 | #586 of 1,886 | 76 | 9.6 | $1.1M | 116 | 45 |
| Convenience stores | 60 | #773 of 2,261 | 80 | 10.2 | $5.9M | 75 | 31 |
| Physical therapy | 59 | #485 of 1,422 | 37 | 4.7 | $2.3M | 98 | 26 |
| Oil change and quick lube | 58 | #183 of 479 | 7 | 0.9 | $9.9M | 72 | 4 |
| Tire shops | 58 | #580 of 1,530 | 32 | 4.1 | $2.2M | 86 | 12 |
| Pet stores | 57 | #368 of 974 | 17 | 2.2 | $4.1M | 91 | 9 |
| Gyms, studios and classes | 57 | #747 of 2,088 | 99 | 12.6 | $572K | 86 | 27 |
| Yoga, Pilates and fitness studios | 56 | #274 of 777 | 18 | 2.3 | $3.1M | 77 | 17 |
| Coffee shops and cafes | 56 | #791 of 2,063 | 95 | 12.1 | $3.1M | 84 | 40 |
| Auto repair shops | 55 | #980 of 2,378 | 178 | 22.6 | $389K | 87 | 59 |
| Auto repair and car care | 54 | #1,056 of 2,401 | 299 | 38.0 | $231K | 86 | 90 |
| Mortgage brokers and lenders | 52 | #404 of 887 | 34 | 4.3 | Index only | 90 | 14 |
| Bakeries and dessert shops | 52 | #873 of 1,889 | 95 | 12.1 | $3.1M | 75 | 40 |
| Electricians | 50 | #596 of 1,160 | 29 | 3.7 | $7.8M | 65 | 65 |
| Laundromats | 48 | #404 of 785 | 15 | 1.9 | $9.8M | 78 | 8 |
| Barbershops | 48 | #762 of 1,356 | 50 | 6.3 | $1.4M | 74 | Under 3 |
| Pizza | 48 | #1,125 of 2,090 | 95 | 12.1 | $3.1M | 61 | 166 |
| Hair salons | 48 | #1,302 of 2,339 | 208 | 26.4 | $338K | 78 | 39 |
| Car washes and detailing | 47 | #808 of 1,451 | 34 | 4.3 | $2M | 81 | 15 |
| Fast food and sandwich shops | 46 | #1,325 of 2,222 | 142 | 18.0 | $2.1M | 68 | 166 |
| Gas stations | 46 | #1,377 of 2,358 | 161 | 20.4 | $1.4M | 58 | 103 |
| Home inspectors | 45 | #242 of 415 | 6 | 0.8 | Index only | 75 | 10 |
| Nail salons | 45 | #849 of 1,328 | 66 | 8.4 | $1.1M | 64 | 15 |
| HVAC and plumbing | 45 | #1,041 of 1,707 | 96 | 12.2 | $2.4M | 50 | 76 |
| Pest control | 43 | #453 of 699 | 23 | 2.9 | $5M | 49 | 16 |
| Roofing and gutters | 43 | #758 of 1,177 | 60 | 7.6 | $3.8M | 45 | 20 |
| Lawn, cleaning and pest control | 43 | #1,153 of 1,771 | 106 | 13.5 | $1.1M | 65 | 190 |
| Home repair trades | 43 | #1,392 of 2,057 | 185 | 23.5 | $1.2M | 51 | 161 |
| Clothing, shoes and laundry | 40 | #1,531 of 2,210 | 220 | 27.9 | $668K | 76 | 104 |
| Clothing and shoe stores | 39 | #1,455 of 2,087 | 171 | 21.7 | $859K | 68 | 96 |
| Restaurants and cafes | 39 | #1,678 of 2,405 | 1,128 | 143.2 | $261K | 70 | 406 |
| Salons, barbers and spas | 39 | #1,796 of 2,385 | 471 | 59.8 | $149K | 70 | 80 |
| House cleaning | 38 | #642 of 847 | 32 | 4.1 | $3.6M | 57 | 95 |
| Spas and skin care | 38 | #1,345 of 1,769 | 132 | 16.8 | $532K | 61 | 21 |
| Sit-down restaurants | 38 | #1,747 of 2,405 | 662 | 84.0 | $444K | 67 | 197 |
| Real estate agents and brokers | 36 | #1,831 of 2,176 | 361 | 45.8 | Index only | 60 | 163 |
| Real estate | 35 | #1,896 of 2,229 | 443 | 56.2 | Index only | 62 | 300 |
| Doctors, dentists and clinics | 35 | #1,904 of 2,394 | 695 | 88.2 | $125K | 82 | 325 |
| Property management | 33 | #749 of 910 | 42 | 5.3 | Index only | 51 | 85 |
| Primary care and pediatrics | 33 | #1,332 of 1,656 | 83 | 10.5 | $1M | 59 | 220 |
| Dry cleaners | Not scored | Not scored | 4 | 0.5 | $36.7M | 234 | Under 3 |
| Urgent care and walk-in clinics | Not scored | Not scored | 4 | 0.5 | $21.7M | 88 | 8 |
Household spending in Bay County
What households here spend in a year on each line, in total and per household, with the index against the U.S. average (100).
| Spending line | A year, all households | Per household | Index vs. U.S. (100) |
|---|---|---|---|
| Vehicle maintenance and repairs | $69.2M | $878 | 92 |
| Gasoline and other fuels | $221.6M | $2,814 | 108 |
| Food away from home | $294.1M | $3,733 | 92 |
| Groceries | $473.5M | $6,011 | 95 |
| Personal care products and services | $70.2M | $891 | 89 |
| Child care and other personal services | $34.8M | $442 | 76 |
| Memberships, classes and admissions | $56.6M | $719 | 73 |
| Medical and dental services | $86.8M | $1,102 | 86 |
| Pets | $69.7M | $885 | 97 |
| Clothing, shoes and related services | $146.9M | $1,864 | 91 |
| Vehicle insurance | $189.8M | $2,409 | 123 |
| Home repairs, maintenance and insurance | $227.3M | $2,885 | 96 |
| Lawn care, cleaning and other household services | $115.8M | $1,470 | 104 |
| Rent and homeowner costs | $1.2B | $15,083 | 91 |
Household spending is estimated from the incomes of the households in each neighborhood, using what households at each income spent nationally in 2024, adjusted for the region. It counts what residents spend, wherever they spend it.
Population and households in Bay County
- Population, 2025 estimate
- 204,479+17.2% since 2020
- Households
- 78,778
- Median age
- 41.4
- Homes lived in by their owners
- 67%
- Vehicles per household
- 1.8
- Land area
- 759 sq. mi.
- People per square mile
- 246
- Median household income
- $73,533+35.4% vs. 2015–2019, before inflation
- Average household income
- $96,618
- Median home value
- $310,500
- Jobs located here
- 79,343
- Daytime population
- 189,844Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Bay County?
These figures cover the whole county. A site report draws rings around one address and counts what’s inside them: households, spending, jobs, and the competitors on map listings by name and distance, for any of the 56 business types.
Or open the report at the center of Bay County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardRelated markets
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Questions
How fast is Bay County, FL growing?
Population estimates put Bay County at 204,479 people in 2025, up 17.2% since 2020, faster than the U.S. (+3.1%). It has 78,778 households. Median household income rose 35.4% from the 2015–2019 survey, before inflation.
How much do households in Bay County, FL spend?
Households in Bay County spend about $1.2B a year on rent and homeowner costs, $473.5M on groceries and $294.1M on food away from home. Set against the U.S., households in Bay County spend the most on vehicle insurance (an index of 123, where 100 is the U.S. average) and the least on memberships, classes and admissions (73).
Which business types have the highest market scores in Bay County, FL?
The highest Groundwork market scores in Bay County are for veterinarians (79), pet grooming and boarding businesses (74) and optometrists and eye clinics (73). Bay County ranks #112 of 1,485 scored counties for veterinarians.
How does Bay County, FL compare with the U.S.?
The median household income in Bay County is $73,533 a year, 9% below the U.S. median of $80,734. The population rose 17.2% from 2020 to 2025, against +3.1% for the U.S. The median home value is $310,500, against $332,700 for the U.S. For its number of households, Bay County has the most map listings, relative to the U.S., for roofing and gutter companies (2.1 times the U.S. rate) and the fewest for chiropractors (37% below the U.S. rate).
What is the Groundwork market score?
The Groundwork market score runs from 0 to 100 and compares a market with others of its kind for one business type: states with states, metro areas with metro areas, small-town markets and counties with their own. It weighs household spending per competitor (35%), households per business with payroll (25%), population growth (20%) and spending power (20%), each ranked against those peers. A higher score means that, taken together, the market has more household spending and more households for each business already there, faster population growth and more spending per household than similar markets. It describes a market, not any one site or deal. 54 of the 56 business types have a score in Bay County, each ranked against other counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Bay County. It maps the competitors on map listings near the site and sizes the households and spending within the distance you choose. New accounts get 10 actions over 3 days, no card.
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Screening a site or an acquisition in Bay County?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
The button opens the report at the center of Bay County. Signed out, you see a blurred preview; on an account, each report is one action.
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are estimates for research only. Not investment or real estate advice.