Average Utility Costs in Panama City Beach, FL

Estimated monthly utility costs (1,000 kWh + 5,000 gal)

Average monthly utility costs in Panama City Beach, FL are about $223.31, based on 1,000 kWh of electricity and 5,000 gallons of water, plus sewer and trash fees. See the full breakdown and sources below.

Total estimated monthly utilities

$223.31

Estimated average monthly utilities in Panama City Beach are ~$223.31 (1,000 kWh + 5,000 gal assumptions). Average water bill estimate: ~$25.93/mo at 5,000 gallons.

Data freshness: last verified 2026-10-24
  • Electric $137.71 (62%)
  • Water $25.93 (12%)
  • Sewer $32.34 (14%)
  • Trash $27.33 (12%)

Utilities here are about 20% lower than the Florida city average, driven mainly by sewer.

  • In Florida, cooling demand often makes electric the largest share of the bill.
  • Trash is provided by private haulers; residents choose their own. Our estimate reflects typical rates for the area—contact haulers for exact pricing.

How rates in Panama City Beach have changed

When a published residential tariff no longer matches what we had on file, we keep the previous figure and record the date. Comparisons below use the same assumed usage as the estimate on this page. A percentage is shown only when both figures are confirmed charges of the same kind. How we compare past rates.

  • Electricity is up 3.5%, from $133.10 to $137.71 at 1,000 kWh.

    The previous tariff was last verified July 16, 2026. We recorded this change on October 24, 2026.

    FPL's October 2026 Northwest Florida sheet charges a 0.421 cent transition rider instead of the 0.040 cent credit on the January sheet. The customer charge stays $10.52. At 1,000 kWh the energy rate is 12.719 cents.

    FPL – Northwest Florida residential rates, October 2026

Water

Confirmed
Provider
City of Panama City Beach
Base charge
$18.77/mo
Volumetric rate
$1.43/1,000 gal
Assumed usage
5,000 gal
Estimated monthly
$25.93
pcbfl.gov· verified 2026-10-24

Sewer

Confirmed
Method
tiered
Estimated monthly
$32.34

Tiered structure simplified to a representative monthly estimate at assumed usage.

pcbfl.gov· verified 2026-10-24

Trash

Estimated
Monthly fee
$27.33

Panama City Beach does not appear to expose a current city-set residential trash tariff on an accessible official page. Waste Pro's official Panama City/Panama City Beach office confirms residential collection service in the area, but not a current public PCB price sheet. This line uses the public 2017 Panama City solid-waste study's 'Avg. Private Hauler Price (PCB)' benchmark of about $27.33/month as a rough placeholder until a current Panama City Beach residential rate card is located.

panamacity.gov· verified 2026-10-24

Check Internet pricing & availability in Panama City Beach

Internet service varies widely—many providers, different plans, introductory offers, and bundles make it hard to compare apples to apples. That's why we don't estimate internet on this page like we do for electric, water, sewer, and trash. Use our tool to compare providers for your address or ZIP code.

Total estimated monthly utilities

$223.31

What changes your bill most?

  • Electric is about 62% of your estimated utilities here.
  • Every 100 kWh changes your total by about $12.72.
  • Each additional 1,000 gallons of water adds about $2.91 to your water and sewer bills combined (water ~$1.43 + wastewater ~$1.48).
  • How to save on utility bills in Panama City Beach

Share your utility bill

These figures are estimates built from published rate schedules. If you pay a utility bill anywhere in the US, share what you actually paid and help us show how close published rates land. It's anonymous, takes about a minute, and we never ask for your name or account number.

We're collecting submissions now and publishing nothing yet. Once a city has enough verified reports, we'll show them here alongside our rate-based estimates — city, provider, month, and amount, with nothing attached that identifies a household.

Share your bill

Assumptions

  • Electric: 1000 kWh/month
  • Water: 5,000 gallons/month

What these labels mean

  • Confirmed — From this area's rate schedule.
  • Benchmark — From an official typical (e.g. state commission 1,000 kWh); not city-specific.
  • TDU + supply — Estimated total at 1,000 kWh: regulated delivery plus a representative supply benchmark. Not delivery charges alone, and not a plan you can enroll in.
  • Estimated — From other or incomplete sources; use as a rough guide.
Sources

Wondering if solar makes sense for you? Try our solar payback calculator to find out.

More in Florida

Florida utility costsHow to save on bills in Panama City BeachBay CountyElectric providers in Florida

FAQ

In Panama City Beach, sewer is billed in tiers based on usage, so the rate per gallon changes with volume. Our estimate uses the rate structure from City of Panama City Beach 2026 Rate Sheet (effective Feb. 1, 2026) at the assumed 5,000 gallons per month. Your bill will vary with actual usage.
Trash in Panama City Beach is provided by the city as part of municipal utilities and is billed at a monthly fee. Rates and services are set by the local government; our estimate uses the fee from City of Panama 2017 Solid Waste Rate Study – PCB private hauler comparison.
We use base charges and per-unit rates from official provider pages. Electric = base + (rate × assumed kWh). Water = base + (rate per 1,000 gal × assumed gallons / 1,000). Sewer is either a flat fee or a percentage of water. Trash is a fixed monthly fee. See the Methodology page for full formulas.
Actual bills depend on your usage, seasonal rates, taxes, fees, and provider-specific rules. Our estimates use fixed assumed usage (e.g., 1,000 kWh, 5,000 gal) for comparison. Your home may use more or less.
Each component shows a 'last verified' date. We aim to update from official sources periodically; always confirm current rates on the provider’s site before making decisions.

Learn more

For tips on understanding your bill, comparing cities, and how electric and utility rates work by state, see our blog. Compare Panama City Beach with another city side-by-side, or see how we calculate estimates.