Panama City impact fees by project type
Panama City: Single-Family Impact Fees
A new single-family home in Panama City pays $8,775.25 per unit in impact fees (rates sourced July 22, 2026). Every line item is levied at the municipal or utility level.
The largest line items are Transportation Impact Fee (City of Panama City) ($4,699.00), Special Impact Fee District Water & Sewer Impact Fee (City of Panama City) ($2,050.00) and Sewer Connection Fee (City of Panama City) — 1.0 ERC × phased rate ($1,340.00).
Some fees are tiered by unit size or building type; amounts reflect the representative tier noted in the schedule below.
View the full Panama City impact fee schedule
- Special Impact Fee District Water & Sewer Impact Fee (City of Panama City)$2,050.00Special Impact Fee District (Ord. 2177) — additional to the standard water and wastewater impact feesCity of Panama CityPanama City levies an extra one-time water and sewer impact fee of $2,050.00 per equivalent residential connection inside a mapped Special Impact Fee District (Code §§23-400–401, Ordinances 2162 and 2177, in force since March 28, 2006). It is charged in addition to the city's regular water and wastewater impact fees, not instead of them, and applies only to structures built after March 28, 2006. The district boundary is an exhibit on file with the City Clerk rather than a published map, so confirm with the city whether a specific parcel falls inside it. Parcels outside the district pay only the standard water and wastewater impact fees.
- Water Connection Fee (City of Panama City) — 1.0 ERC × phased rate$686.25City of Panama CityCity of Panama City water connection (impact) fee. Ordinance 3274, adopted November 18, 2025, raises the fee from $465.00 to $1,350.00 per equivalent residential connection in three steps: 25% of the increase from February 16, 2026, 50% from January 1, 2027, and 100% from January 1, 2028. The amount shown is the step in force now; it rises to $907.50 on January 1, 2027 and $1,350.00 on January 1, 2028. Equivalent residential connections are computed from the plumbing fixture schedule divided by 60, with a one-ERC minimum for new construction, so a typical house pays one ERC. A separate tap fee of $581.00 applies. Property inside the city's Special Impact Fee District pays a further $2,050.00 per ERC.
- Sewer Connection Fee (City of Panama City) — 1.0 ERC × phased rate$1,340.00City of Panama CityCity of Panama City wastewater connection (impact) fee. Ordinance 3274, adopted November 18, 2025, raises the fee from $1,250.00 to $1,610.00 per equivalent residential connection in three steps: 25% of the increase from February 16, 2026, 50% from January 1, 2027, and 100% from January 1, 2028. The amount shown is the step in force now; it rises to $1,430.00 on January 1, 2027 and $1,610.00 on January 1, 2028. Equivalent residential connections are computed from the plumbing fixture schedule divided by 36, with a one-ERC minimum for new construction. A separate sewer tap charge applies. Property inside the city's Special Impact Fee District pays a further $2,050.00 per ERC.
- Transportation Impact Fee (City of Panama City)$4,699.00Panama City North zone — single-family detached, 1,800–2,400 sq ftCity of Panama CityAdopted July 22, 2025 (City Ordinance 3256; Unified Land Development Code Ch. 113A, §113A-14). The city does not assess or collect this fee until October 1, 2026 — building permits issued before that date pay no transportation impact fee. Panama City has two benefit zones; the amount shown is Panama City North, the higher of the two, so it is a ceiling rather than a citywide rate. The Panama City Proper rate for the same house is $3,683. Single-family rates are tiered by heated floor area (under 1,200 sq ft, 1,200–1,799, 1,800–2,400, over 2,400) with a separate single-family attached rate. Exempt: a dwelling under 2,400 sq ft on a lot that existed before July 22, 2025; accessory dwelling units under 1,200 sq ft; and affordable housing as defined by the State Housing Initiative Partnership Act. The chapter sunsets September 30, 2035.
- County Overlay Fees — None applying (researched June 2026)$0.00Bay CountyBay County's library, parks and MSTU-Fire impact fees apply in unincorporated Bay County only and are not levied inside Panama City. The county has no road, school, law enforcement or EMS impact fee that would reach the city either — Panama City's own transportation impact fee, entered separately, is the only road-related charge.
Where in Bay County are you building?
Each jurisdiction applies its own fee schedule. Pick yours.
Panama City: Multifamily Impact Fees
A new multifamily unit in Panama City pays $6,167.25 per unit in impact fees (rates sourced July 22, 2026). Every line item is levied at the municipal or utility level.
The largest line items are Transportation Impact Fee (City of Panama City, MF) ($2,091.00), Special Impact Fee District Water & Sewer Impact Fee (City of Panama City, MF) ($2,050.00) and Sewer Connection Fee (City of Panama City, MF) — 1.0 ERC × phased rate ($1,340.00).
Some fees are tiered by unit size or building type; amounts reflect the representative tier noted in the schedule below.
View the full Panama City impact fee schedule
- Special Impact Fee District Water & Sewer Impact Fee (City of Panama City, MF)$2,050.00Special Impact Fee District (Ord. 2177) — additional to the standard water and wastewater impact feesCity of Panama CityPanama City levies an extra one-time water and sewer impact fee of $2,050.00 per equivalent residential connection inside a mapped Special Impact Fee District (Code §§23-400–401, Ordinances 2162 and 2177, in force since March 28, 2006). It is charged in addition to the city's regular water and wastewater impact fees and applies to structures built after March 28, 2006. The amount shown is the one-ERC minimum; a multifamily building is billed on its total equivalent residential connections, so a multi-unit project pays a multiple of this. The district boundary is an exhibit on file with the City Clerk rather than a published map, so confirm whether a specific parcel falls inside it.
- Water Connection Fee (City of Panama City, MF) — 1.0 ERC × phased rate$686.25City of Panama CityCity of Panama City water connection (impact) fee. Ordinance 3274, adopted November 18, 2025, raises the fee from $465.00 to $1,350.00 per equivalent residential connection in three steps: 25% of the increase from February 16, 2026, 50% from January 1, 2027, and 100% from January 1, 2028. The amount shown is the step in force now; it rises to $907.50 on January 1, 2027 and $1,350.00 on January 1, 2028. Equivalent residential connections come off the plumbing fixture schedule divided by 60, with a one-ERC minimum for new construction — which is why the multifamily per-unit figure matches single-family. How the city applies this to a master-metered building is not published. Property inside the city's Special Impact Fee District pays a further $2,050.00 per ERC.
- Sewer Connection Fee (City of Panama City, MF) — 1.0 ERC × phased rate$1,340.00City of Panama CityCity of Panama City wastewater connection (impact) fee. Ordinance 3274, adopted November 18, 2025, raises the fee from $1,250.00 to $1,610.00 per equivalent residential connection in three steps: 25% of the increase from February 16, 2026, 50% from January 1, 2027, and 100% from January 1, 2028. The amount shown is the step in force now; it rises to $1,430.00 on January 1, 2027 and $1,610.00 on January 1, 2028. Equivalent residential connections come off the plumbing fixture schedule divided by 36, with a one-ERC minimum for new construction — which is why the multifamily per-unit figure matches single-family. Property inside the city's Special Impact Fee District pays a further $2,050.00 per ERC.
- Transportation Impact Fee (City of Panama City, MF)$2,091.00Panama City North zone — multi-family, 4+ floorsCity of Panama CityAdopted July 22, 2025 (City Ordinance 3256; Unified Land Development Code Ch. 113A, §113A-14). The city does not assess or collect this fee until October 1, 2026 — building permits issued before that date pay no transportation impact fee. Multifamily is tiered by building height: under 4 floors and 4 or more floors. The amount shown is Panama City North, the higher of the city's two benefit zones, so it is a ceiling rather than a citywide rate; Panama City Proper is $1,210 per unit for the same building. Affordable housing as defined by the State Housing Initiative Partnership Act is exempt. The chapter sunsets September 30, 2035.
- County Overlay Fees (Panama City, MF) — None applying$0.00Bay CountyBay County's library, parks and MSTU-Fire impact fees apply in unincorporated Bay County only and are not levied inside Panama City. The county has no road, school, law enforcement or EMS impact fee that would reach the city either — Panama City's own transportation impact fee, entered separately, is the only road-related charge.
Where in Bay County are you building?
Each jurisdiction applies its own fee schedule. Pick yours.
Panama City: Commercial Impact Fees
Commercial development in Panama City pays $20.79 per square foot in impact fees, plus $2,978.45 in one-time water and sewer connection fees (rates sourced July 22, 2026).
For a 50,000 sq ft building, that comes to about $1,042,228.45. The calculator below adjusts to your exact square footage.
The largest line items are Transportation Impact Fee (City of Panama City, Commercial) ($20.79/sq ft).
Water Connection Fee (City of Panama City) — 1.0 ERC × phased rate, Water Impact Fee (Bay County pass-through, City of Panama City) — 1.0 ERC × $952.20/ERC, and Sewer Connection Fee (City of Panama City) — 1.0 ERC × phased rate are shown at the last published amount but have not been confirmed with the jurisdiction; they are included in the totals here. Verify before budgeting.
Some fees are tiered by use or building size; amounts reflect the representative tier noted in the schedule below.
View the full Panama City impact fee schedule
- Water Impact Fee (Bay County pass-through, City of Panama City) — 1.0 ERC × $952.20/ERC$952.20 one-timeRequires confirmationBay County UtilitiesBay County charges its water impact fee on new service inside Panama City, in addition to the city's own water connection fee — Panama City takes wholesale water from Bay County, and the city's impact fee worksheet carries a dedicated Bay County water impact fee line. The amount shown is Bay County's adopted retail water connection fee of $952.20 per equivalent residential connection, effective January 1, 2026 (one water ERC equals 350 gallons per day, 1.0 ERC minimum).
- Water Connection Fee (City of Panama City) — 1.0 ERC × phased rate$686.25 one-timeRequires confirmationCity of Panama CityPanama City's water connection fee is mid-phase-in under Ordinance 32-74, rising from $465.00 to $1,350.00 per equivalent residential connection in three steps: 25% of the increase effective February 16, 2026 ($686.25); 50% effective January 1, 2027 ($907.50); and the full rate effective January 1, 2028 ($1,350.00). The amount shown is the current step. The fee is calculated from the plumbing fixture schedule — total fixture units divided by 60, with a 1.00 ERC minimum for new construction — so a project's total scales with its fixture count. A separate tap fee of $581.00 per ERC applies. Bay County also charges its own water impact fee on new service inside Panama City, listed separately.
- Sewer Connection Fee (City of Panama City) — 1.0 ERC × phased rate$1,340.00 one-timeRequires confirmationCity of Panama CityPanama City's wastewater connection fee is mid-phase-in under Ordinance 32-74, rising from $1,250.00 to $1,610.00 per equivalent residential connection in three steps: 25% of the increase effective February 16, 2026 ($1,340.00); 50% effective January 1, 2027 ($1,430.00); and the full rate effective January 1, 2028 ($1,610.00). The amount shown is the current step. The fee is calculated from the plumbing fixture schedule — sewage fixture units divided by 36, with a 1.00 ERC minimum — so a project's total scales with its fixture count.
- Transportation Impact Fee (City of Panama City, Commercial)$20.79/sq ftPanama City NorthCity of Panama CityEffective April 1, 2025. This is the Panama City North benefit district rate — the highest of 2 rate districts, applying to the city's newer northern growth area. Development in the Panama City Proper benefit district (the older urban core) pays a lower rate — see that tier. Amount is per 1,000 sq ft of gross floor area and is net of gas-tax and ad-valorem credits. The fee is assessed on the net increase over the most intense prior use.
- County Overlay Fees — None applying (Bay County, Panama City, Commercial)$0.00Bay CountyBay County's impact fees apply only in the unincorporated area. Panama City is incorporated, so no county impact fee applies here.
Where in Bay County are you building?
Each jurisdiction applies its own fee schedule. Pick yours. Totals shown are for a 50,000 sq ft building, including one-time water/sewer fees (assuming a 1-inch meter). * = one-time water/sewer connection charges only; no per-sq-ft impact fee schedule sourced for that jurisdiction. = one or more fees are unconfirmed or have no published amount; the figure shown may not be the complete cost.
Panama City: Industrial Impact Fees
Industrial development in Panama City pays $4.33 per square foot in impact fees, plus $2,978.45 in one-time water and sewer connection fees (rates sourced July 22, 2026).
For a 50,000 sq ft building, that comes to about $219,278.45. The calculator below adjusts to your exact square footage.
The largest line items are Transportation Impact Fee (City of Panama City, Industrial) ($4.33/sq ft).
Water Connection Fee (City of Panama City) — 1.0 ERC × phased rate, Water Impact Fee (Bay County pass-through, City of Panama City) — 1.0 ERC × $952.20/ERC, and Sewer Connection Fee (City of Panama City) — 1.0 ERC × phased rate are shown at the last published amount but have not been confirmed with the jurisdiction; they are included in the totals here. Verify before budgeting.
Some fees are tiered by use or building size; amounts reflect the representative tier noted in the schedule below.
View the full Panama City impact fee schedule
- Water Impact Fee (Bay County pass-through, City of Panama City) — 1.0 ERC × $952.20/ERC$952.20 one-timeRequires confirmationBay County UtilitiesBay County charges its water impact fee on new service inside Panama City, in addition to the city's own water connection fee — Panama City takes wholesale water from Bay County, and the city's impact fee worksheet carries a dedicated Bay County water impact fee line. The amount shown is Bay County's adopted retail water connection fee of $952.20 per equivalent residential connection, effective January 1, 2026 (one water ERC equals 350 gallons per day, 1.0 ERC minimum).
- Water Connection Fee (City of Panama City) — 1.0 ERC × phased rate$686.25 one-timeRequires confirmationCity of Panama CityPanama City's water connection fee is mid-phase-in under Ordinance 32-74, rising from $465.00 to $1,350.00 per equivalent residential connection in three steps: 25% of the increase effective February 16, 2026 ($686.25); 50% effective January 1, 2027 ($907.50); and the full rate effective January 1, 2028 ($1,350.00). The amount shown is the current step. The fee is calculated from the plumbing fixture schedule — total fixture units divided by 60, with a 1.00 ERC minimum for new construction — so a project's total scales with its fixture count. A separate tap fee of $581.00 per ERC applies. Bay County also charges its own water impact fee on new service inside Panama City, listed separately.
- Sewer Connection Fee (City of Panama City) — 1.0 ERC × phased rate$1,340.00 one-timeRequires confirmationCity of Panama CityPanama City's wastewater connection fee is mid-phase-in under Ordinance 32-74, rising from $1,250.00 to $1,610.00 per equivalent residential connection in three steps: 25% of the increase effective February 16, 2026 ($1,340.00); 50% effective January 1, 2027 ($1,430.00); and the full rate effective January 1, 2028 ($1,610.00). The amount shown is the current step. The fee is calculated from the plumbing fixture schedule — sewage fixture units divided by 36, with a 1.00 ERC minimum — so a project's total scales with its fixture count.
- Transportation Impact Fee (City of Panama City, Industrial)$4.33/sq ftPanama City NorthCity of Panama CityEffective April 1, 2025. This is the Panama City North benefit district rate — the highest of 2 rate districts, applying to the city's newer northern growth area. Development in the Panama City Proper benefit district (the older urban core) pays a lower rate — see that tier. Amount is per 1,000 sq ft of gross floor area and is net of gas-tax and ad-valorem credits.
- County Overlay Fees — None applying (Bay County, Panama City, Industrial)$0.00Bay CountyBay County's impact fees apply only in the unincorporated area. Panama City is incorporated, so no county impact fee applies here.
Where in Bay County are you building?
Each jurisdiction applies its own fee schedule. Pick yours. Totals shown are for a 50,000 sq ft building, including one-time water/sewer fees (assuming a 1-inch meter). * = one-time water/sewer connection charges only; no per-sq-ft impact fee schedule sourced for that jurisdiction. = one or more fees are unconfirmed or have no published amount; the figure shown may not be the complete cost.
Panama City: Office Impact Fees
Office development in Panama City pays $7.15 per square foot in impact fees, plus $2,978.45 in one-time water and sewer connection fees (rates sourced July 22, 2026).
For a 25,000 sq ft building, that comes to about $181,703.45. The calculator below adjusts to your exact square footage.
The largest line items are Transportation Impact Fee (City of Panama City, Office) ($7.15/sq ft).
Water Connection Fee (City of Panama City) — 1.0 ERC × phased rate, Water Impact Fee (Bay County pass-through, City of Panama City) — 1.0 ERC × $952.20/ERC, and Sewer Connection Fee (City of Panama City) — 1.0 ERC × phased rate are shown at the last published amount but have not been confirmed with the jurisdiction; they are included in the totals here. Verify before budgeting.
Some fees are tiered by use or building size; amounts reflect the representative tier noted in the schedule below.
View the full Panama City impact fee schedule
- Water Impact Fee (Bay County pass-through, City of Panama City) — 1.0 ERC × $952.20/ERC$952.20 one-timeRequires confirmationBay County UtilitiesBay County charges its water impact fee on new service inside Panama City, in addition to the city's own water connection fee — Panama City takes wholesale water from Bay County, and the city's impact fee worksheet carries a dedicated Bay County water impact fee line. The amount shown is Bay County's adopted retail water connection fee of $952.20 per equivalent residential connection, effective January 1, 2026 (one water ERC equals 350 gallons per day, 1.0 ERC minimum).
- Water Connection Fee (City of Panama City) — 1.0 ERC × phased rate$686.25 one-timeRequires confirmationCity of Panama CityPanama City's water connection fee is mid-phase-in under Ordinance 32-74, rising from $465.00 to $1,350.00 per equivalent residential connection in three steps: 25% of the increase effective February 16, 2026 ($686.25); 50% effective January 1, 2027 ($907.50); and the full rate effective January 1, 2028 ($1,350.00). The amount shown is the current step. The fee is calculated from the plumbing fixture schedule — total fixture units divided by 60, with a 1.00 ERC minimum for new construction — so a project's total scales with its fixture count. A separate tap fee of $581.00 per ERC applies. Bay County also charges its own water impact fee on new service inside Panama City, listed separately.
- Sewer Connection Fee (City of Panama City) — 1.0 ERC × phased rate$1,340.00 one-timeRequires confirmationCity of Panama CityPanama City's wastewater connection fee is mid-phase-in under Ordinance 32-74, rising from $1,250.00 to $1,610.00 per equivalent residential connection in three steps: 25% of the increase effective February 16, 2026 ($1,340.00); 50% effective January 1, 2027 ($1,430.00); and the full rate effective January 1, 2028 ($1,610.00). The amount shown is the current step. The fee is calculated from the plumbing fixture schedule — sewage fixture units divided by 36, with a 1.00 ERC minimum — so a project's total scales with its fixture count.
- Transportation Impact Fee (City of Panama City, Office)$7.15/sq ftPanama City NorthCity of Panama CityEffective April 1, 2025. This is the Panama City North benefit district rate — the highest of 2 rate districts, applying to the city's newer northern growth area. Development in the Panama City Proper benefit district (the older urban core) pays a lower rate — see that tier. Amount is per 1,000 sq ft of gross floor area and is net of gas-tax and ad-valorem credits.
- County Overlay Fees — None applying (Bay County, Panama City, Office)$0.00Bay CountyBay County's impact fees apply only in the unincorporated area. Panama City is incorporated, so no county impact fee applies here.
Where in Bay County are you building?
Each jurisdiction applies its own fee schedule. Pick yours. Totals shown are for a 25,000 sq ft building, including one-time water/sewer fees (assuming a 1-inch meter). * = one-time water/sewer connection charges only; no per-sq-ft impact fee schedule sourced for that jurisdiction. = one or more fees are unconfirmed or have no published amount; the figure shown may not be the complete cost.
Panama City impact fee calculator
Estimate impact fees for your project. Set to single-family. Drop a pin or search an address for site-specific fees.
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How impact fees work in Florida
Florida impact fees are one-time charges on new development, governed by Section 163.31801, Florida Statutes (the Florida Impact Fee Act). The statute requires fees to be based on the most recent and localized data, spent on the infrastructure category they were collected for, and adopted by ordinance.
Since 2021, the law also limits how fast fees can rise: increases up to 25% phase in over two years, increases of 25–50% phase in over four years, and increases above 50% are allowed only with a demonstrated extraordinary-circumstances study and at least a two-thirds vote of the governing body.
Counties and cities can both levy impact fees. Inside an incorporated city, a project typically pays the county's countywide fees plus any municipal fees the city has adopted, which is why totals differ between a city and the unincorporated county around it.
New to impact fees? Our plain-English guide explains what they cover, who pays them, and why they exist.
Panama City impact fee FAQs
What are the total impact fees for a single-family home in Panama City, Florida?
A new single-family home in Panama City pays $8,775.25 per unit in combined impact fees (rates sourced July 22, 2026).
How much are commercial impact fees in Panama City?
Commercial development in Panama City pays $20.79 per square foot in impact fees, plus $2,978.45 in one-time water and sewer connection fees, about $1,042,228.45 for a 50,000 sq ft building. This figure includes amounts that have not been confirmed with the jurisdiction; verify before budgeting.
Does Panama City charge its own impact fees?
Yes. Panama City levies its own municipal impact or utility fees, and county-levied fees also apply inside city limits. The schedule on this page shows every fee that applies to development in Panama City, with the combined total.
Can Florida impact fees increase at any time?
No. Section 163.31801, Florida Statutes limits increases to 50% at most, phased in over two to four years, unless the local government makes extraordinary-circumstances findings and approves the increase by at least a two-thirds vote.
Fee amounts on this page are compiled from official published schedules and are provided for planning purposes only. Rates change, and project specifics (unit size, meter size, location within special districts) can alter what applies. Always verify current fees with the jurisdiction and utility before relying on them.
Compare unincorporated rates and every other city on the Bay County impact fees page.