Panama City Eviction Risk: Lower

Pulling hardest the other way is rent-regulation exposure at 1/10. Well under the midpoint, state political climate reads 1.5/10. On the softer side, eviction-process difficulty reads 1.5/10.

16% are severely burdened past the 50% mark. That cohort absorbs no shock: one repair bill or one cut shift converts straight into arrears. At $1,634 a month, rents run 23% over what the rest of Panama City commands.

The filing record is not thin: 109 evictions over 10 years of observation. Filings peaked in 2018 at 3.5% of renter households. In a typical year about 1.9% of renter households face a filing.

That is riskier than roughly 29% of the 84,120 US census tracts in this model. Only 18% of units are renter-occupied. Rental comparables are thin; price a renewal off the nearest genuine rental sub-market rather than off surrounding sale prices.

Social vulnerability reads 4.4/10 on the CDC index, a measure of exposure to housing and economic shocks. Of its three components the housing type and transport measure is the least pressured. It tracks the Bay County average of 3.8 closely.

These are ACS 5-year estimates; the score moves when the ACS, court-record, or statute inputs behind it move.