Bay County, Florida

Income Data

+7% vs. Florida average
$70,188
Median Household Income
$38,856
Per Capita Income

At a Glance

Median Household Income
$70,188
+7% vs. state avg
Per Capita Income
$38,856
-2% vs. national
Income-to-Housing Ratio
25.3%
income as % of home value
Rank in Florida
#25 / 67
by median household income

How Bay County Compares

Bay County$70,188
Florida Average$65,468
National Median$74,755

Detailed Income Statistics

$70,188
Median Household Income
$38,856
Per Capita Income
$276,900
Median Home Value
25.3%
Income-to-Housing Ratio

Data Story

About Household Income in Bay County, Florida

Bay matches national income levels

Bay County's median household income of $70,188 sits just $4,567 below the national median of $74,755, reflecting solid economic performance. This places Bay in the upper-middle tier of U.S. counties, driven largely by military installations and port-related employment.

Exceeds Florida's state median

Bay County's $70,188 income outpaces Florida's state average of $65,468 by nearly $5,000, ranking it in the top third of Florida counties. The county's strategic location on the Gulf Coast and military presence provide stable, well-paying employment opportunities.

Regional income leader with Brevard

Bay County ($70,188) matches Baker County ($70,833) and trails only Brevard County ($75,817) in the broader North-Central Florida region. Its per capita income of $38,856 also leads most neighbors, indicating broad-based economic strength across the community.

Housing costs hold steady at 24.4%

Bay County's rent-to-income ratio of 24.4% sits right in the sustainable range for household budgets. With median home values at $276,900, the county balances above-average incomes with reasonable housing costs, though post-hurricane recovery efforts continue to shape the market.

Leverage stability into long-term gains

Bay County's military and infrastructure jobs offer exceptional job security that provides a foundation for wealth-building strategies. Take advantage of this stability to max out retirement contributions, build emergency funds, and consider real estate investment as home values appreciate.

Frequently Asked Questions

What is the median household income in Bay County, Florida?
The median household income in Bay County, Florida is $70,188, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. This represents the midpoint of all household incomes in the county.
How much do people earn in Bay County?
The per capita income in Bay County is $38,856, which represents the average income per person across the entire county population. The median household income — which accounts for all earners in a household — is $70,188.
How does Bay County compare to the Florida average?
Bay County's median household income of $70,188 is higher than the Florida state average of $65,468. The per capita income is $38,856, compared to the state average of $35,698.
What is the per capita income in Bay County, Florida?
The per capita income in Bay County, Florida is $38,856, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. Per capita income is calculated by dividing total personal income by total population, providing an average income figure per resident.
Why is Bay County income higher than the Florida average?
Bay County's median household income of $70,188 is higher than the Florida average of $65,468. This difference of $4,720 can be attributed to factors such as local industry mix, proximity to major employment centers, educational attainment levels, and cost of living. Counties with higher incomes often have a greater concentration of professional and technical occupations.
How does Bay County rank for income in Florida?
Bay County ranks #25 out of 67 counties in Florida by median household income (1 = highest). With a median household income of $70,188 and per capita income of $38,856, it falls in the middle third of counties statewide.

Income Comparison Calculator

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County median: $70,188 per year

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Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.