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 Special Impact Fee District Water & Sewer Impact Fee (City of Panama City) ($2,050.00), Sewer Connection Fee (City of Panama City) — 1.0 ERC × phased rate ($1,340.00) and Water Connection Fee (City of Panama City) — 1.0 ERC × phased rate ($686.25).
Transportation Impact Fee (City of Panama City) is shown at the last published amount but has not been confirmed with the jurisdiction; it is included in the totals here. Verify before budgeting.
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 whether a specific parcel falls inside it is determined case by case. 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. Separate charges apply in addition: a water main impact fee of $50.00 per diametric inch of the connection, a main tap charge of $75.00 per diametric inch plus fittings at cost. Bay County also charges a water connection fee on new connections in cities that buy county water; County Code Section 25-64 directs the city to collect it at building permit, and what the city collects for it 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) — 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 main tap charge of $75.00 per diametric inch plus fittings at cost 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)$4,699.00Requires confirmationPanama 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). Ordinance 3256 deferred collection to building permits issued on or after October 1, 2026; on September 22, 2026 city staff asked the City Commission to continue suspending collection through January 2027 while a transportation project list and the percentage of the schedule to collect are settled, and the code lets the commission collect a reduced percentage by resolution, so whether the fee is being collected today, and at what share of the amount shown, depends on that decision. 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 Impact Fees (Bay County, within Panama City)$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's new impact fee ordinance effective January 1, 2027 is likewise limited to the unincorporated area. The county has no road, school, law enforcement or EMS impact fee through 2026. The one county charge collected inside the city is Bay County's wholesale water connection fee, which the city collects from new retail water customers at building permit on the county's behalf; it is shown on a separate water record. 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. = one or more fees are unconfirmed or have no published amount; the figure shown may not be the complete cost.
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 Special Impact Fee District Water & Sewer Impact Fee (City of Panama City, MF) ($2,050.00), Sewer Connection Fee (City of Panama City, MF) — 1.0 ERC × phased rate ($1,340.00) and Water Connection Fee (City of Panama City, MF) — 1.0 ERC × phased rate ($686.25).
Transportation Impact Fee (City of Panama City, MF) is shown at the last published amount but has not been confirmed with the jurisdiction; it is included in the totals here. Verify before budgeting.
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 whether a specific parcel falls inside it is determined case by case.
- 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. Bay County Code Section 25-64 directs cities that buy county water, including Panama City, to collect a county water connection fee at building permit; what the city collects for it is not published.
- 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)$2,091.00Requires confirmationPanama City North zone, multi-family, 4+ floorsCity of Panama CityAdopted July 22, 2025 (City Ordinance 3256; Unified Land Development Code Ch. 113A, §113A-14). Ordinance 3256 deferred collection to building permits issued on or after October 1, 2026; on September 22, 2026 city staff asked the City Commission to continue suspending collection through January 2027 while a transportation project list and the percentage of the schedule to collect are settled, and the code lets the commission collect a reduced percentage by resolution, so whether the fee is being collected today, and at what share of the amount shown, depends on that decision. 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 Impact Fees (Bay County, within Panama City, MF)$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's new impact fee ordinance effective January 1, 2027 is likewise limited to the unincorporated area. The county has no road, school, law enforcement or EMS impact fee through 2026. The one county charge collected inside the city is Bay County's wholesale water connection fee, which the city collects from new retail water customers at building permit on the county's behalf; it is shown on a separate water record. 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. = one or more fees are unconfirmed or have no published amount; the figure shown may not be the complete cost.
Panama City: Commercial Impact Fees
Commercial development in Panama City pays $20.79 per square foot in impact fees, plus $2,026.25 in one-time water and sewer connection fees (rates sourced July 22, 2026).
For a 50,000 sq ft building, that comes to about $1,041,276.25. 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 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 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 $2,026.25 in one-time water and sewer connection fees (rates sourced July 22, 2026).
For a 50,000 sq ft building, that comes to about $218,326.25. 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 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 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 $2,026.25 in one-time water and sewer connection fees (rates sourced July 22, 2026).
For a 25,000 sq ft building, that comes to about $180,751.25. 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 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 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
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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 a 2021 amendment (Ch. 2021-63, Laws of Florida), 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.
Summary current as of September 2026. This is an editorial summary, not legal advice; see the official statute text and our terms of use.
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). This figure includes amounts that have not been confirmed with the jurisdiction; verify before budgeting.
How much are commercial impact fees in Panama City?
Commercial development in Panama City pays $20.79 per square foot in impact fees, plus $2,026.25 in one-time water and sewer connection fees, about $1,041,276.25 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. Bay County does not currently add county-level impact fees inside Panama City. The schedule on this page shows every fee that applies to development in Panama City.
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.