As a long-time resident of the Florida Panhandle, I can attest to the fact that it’s one of the most beautiful and diverse regions in the state.
From the stunning white-sand beaches to the quaint towns and vibrant cities, the Panhandle has something to offer everyone. That’s why I’m excited to share with you my top picks for the 7 best cities to live in this amazing area.
In this article, I’ll be highlighting some of the most attractive features of Seaside, Destin, Niceville, Navarre, Freeport, Rosemary Beach, and Miramar Beach.
7 Best Cities To Live in the Florida Panhandle
Whether you’re looking for a quiet community with a laid-back lifestyle or a bustling city with plenty of amenities, these towns and cities have it all.
So sit back, relax, and let’s take a tour of the 7 best cities to live in the Florida Panhandle!
Seaside Florida
Seaside is a charming coastal community located in Walton County, Florida. It’s known for its iconic pastel-colored houses and unique architecture, which were featured in the movie “The Truman Show”.
The town center is the heart of Seaside, with a bustling market square that’s surrounded by restaurants, shops, and art galleries.
Seaside’s location right on the Gulf of Mexico means that residents can enjoy stunning ocean views and access to some of the most beautiful beaches in the world.
Pros and cons of living in Seaside
One of the biggest pros of living in Seaside is its small-town charm and sense of community. The town is walkable and bike-friendly, making it easy to get around and meet your neighbors. Seaside is also home to a thriving arts scene, with numerous galleries, theaters, and music venues.
Additionally, Seaside’s beachfront location means that residents can enjoy all the perks of living by the ocean, including swimming, boating, fishing, and more.
On the downside, Seaside’s popularity as a tourist destination means that it can get quite crowded during peak season, which can be a turn-off for some residents.
Additionally, the cost of living in Seaside is higher than in many other towns in the Panhandle, particularly when it comes to housing. However, for many people, the benefits of living in Seaside far outweigh the costs.
Cost of living and housing options
The cost of living in Seaside is higher than the national average, with housing costs being a particularly significant factor.
The median home price in Seaside is around $1.5 million, which puts it out of reach for many people. However, there are still some more affordable housing options available, particularly for those willing to rent rather than buy.
Schools and Education
Seaside is served by the Walton County School District, which includes several highly-rated public schools. Seaside Neighborhood School, located in the heart of Seaside, is a charter school that consistently ranks among the top schools in the state.
Crime and Safety
Seaside has a low crime rate, with property crime being the most common type of offense. However, like any tourist destination, it’s important to take precautions to avoid theft and other crimes.
Reasons why Seaside is a great place to live
Despite the higher cost of living, Seaside has a lot to offer for those who can afford it. Its unique architecture and small-town charm make it a delightful place to call home, and the town’s beachfront location means that there are always plenty of outdoor activities to enjoy.
Seaside’s thriving arts scene and vibrant community make it a great place to connect with like-minded individuals and form lasting friendships. Overall, Seaside is a fantastic place to live for those who are looking for a tight-knit community with a relaxed beach vibe.
Destin Florida
Destin is a popular resort town located in Okaloosa County, Florida. Known for its emerald green waters and white sandy beaches, Destin is a haven for beach lovers and water enthusiasts.
In addition to its natural beauty, Destin offers plenty of amenities and attractions, including world-class golf courses, luxury resorts, shopping, and dining options.
Pros and cons of living in Destin
One of the biggest advantages of living in Destin is its stunning natural beauty and abundance of outdoor activities.
Residents can enjoy fishing, boating, swimming, and other water sports year-round, thanks to the area’s mild climate.
Destin has a thriving tourism industry, which means that there are plenty of job opportunities for those in the hospitality and service industries.
On the downside, Destin’s popularity as a tourist destination means that it can get quite crowded during peak season, which can be a turn-off for some residents.
Additionally, the cost of living in Destin is higher than in many other towns in the Panhandle, particularly when it comes to housing. However, for many people, the benefits of living in Destin more than make up for the costs.
Cost of living and housing options
The cost of living in Destin is higher than the national average, with housing costs being a significant factor.
The median home price in Destin is around $600,000, which is significantly higher than many other towns in the area. However, there are still some more affordable housing options available, particularly for those willing to rent rather than buy.
Schools and Education
Destin is served by the Okaloosa County School District, which includes several highly-rated public schools. Destin Elementary School and Destin Middle School are both located in the town, and are known for their high academic standards.
Crime and Safety
Destin has a relatively low crime rate, with property crime being the most common type of offense. The town’s police department is known for its proactive approach to community policing, and residents generally feel safe and secure. However, as with any tourist destination, it’s important to remain vigilant and take precautions to avoid theft and other crimes.
Reasons why Destin is a great place to live
Despite the higher cost of living, Destin has a lot to offer for those who can afford it. Its stunning natural beauty, abundance of outdoor activities, and thriving tourism industry make it a desirable place to call home.
Destin’s upscale resorts, dining options, and shopping make it a great place to indulge in luxury experiences.
Overall, Destin is a fantastic place to live for those who are looking for a resort-style lifestyle with plenty of amenities and attractions.
Niceville Florida
Niceville is a small town located in Okaloosa County, Florida. Known for its quiet neighborhoods, excellent schools, and stunning natural beauty, Niceville is a popular destination for families and retirees.
The town is located on the shores of Choctawhatchee Bay, which offers plenty of opportunities for boating, fishing, and other water sports. Niceville also has a charming downtown area with shops, restaurants, and a community theater.
Pros and cons of living in Niceville
One of the biggest advantages of living in Niceville is its small-town charm and sense of community.
The town has a low crime rate, excellent schools, and plenty of parks and recreational areas. Additionally, Niceville’s location on the bay means that residents can enjoy beautiful water views and access to all kinds of outdoor activities.
On the downside, Niceville is a relatively small town, which means that there may be limited job opportunities for certain professions. Additionally, the cost of living in Niceville is higher than in many other towns in the Panhandle, particularly when it comes to housing.
Cost of living and housing options
The cost of living in Niceville is higher than the national average, with housing costs being a significant factor.
The median home price in Niceville is around $325,000, which is higher than many other towns in the area. However, there are still some more affordable housing options available, particularly for those willing to rent rather than buy.
Schools and Education
Niceville is served by the Okaloosa County School District, which includes several highly-rated public schools. Niceville High School is known for its strong academic programs and consistently ranks among the top high schools in the state.
Crime and Safety
Niceville has a low crime rate, with property crime being the most common type of offense. The town’s police department is known for its proactive approach to community policing, and residents generally feel safe and secure.
Reasons why Niceville is a great place to live
Overall, Niceville is a fantastic place to live for those who are looking for a tight-knit community with excellent schools and plenty of outdoor activities.
The town’s natural beauty and access to Choctawhatchee Bay make it a desirable place for boaters, fishermen, and water enthusiasts.
Niceville’s charming downtown area and community theater provide plenty of cultural opportunities. If you’re looking for a peaceful and welcoming place to call home, Niceville may be the perfect fit for you.
Freeport Florida
Freeport is a small city located in Walton County, Florida. Known for its laid-back lifestyle and rural charm, Freeport is a popular destination for those seeking a slower pace of life. The city is surrounded by natural beauty, with the Choctawhatchee River and the Gulf of Mexico both nearby.
Freeport’s downtown area has a few shops and restaurants, and the city is home to several parks and recreational areas.
Pros and cons of living in Freeport
One of the biggest advantages of living in Freeport is its rural charm and relaxed lifestyle. The city has a low crime rate, and residents can enjoy plenty of outdoor activities, such as fishing, boating, and hiking.
Additionally, Freeport is a relatively affordable place to live compared to many other towns in the Panhandle.
On the downside, Freeport is a relatively small city, which means that there may be limited job opportunities for certain professions. Additionally, the city’s limited amenities and lack of cultural offerings may not appeal to everyone.
Cost of living and housing options
The cost of living in Freeport is lower than the national average, with housing costs being particularly affordable.
The median home price in Freeport is around $250,000, which is significantly lower than many other towns in the area. There are also plenty of affordable rental options available in Freeport.
Schools and Education
Freeport is served by the Walton County School District, which includes several highly-rated public schools. Freeport Elementary School and Freeport Middle School both provide strong academic programs for students.
Crime and Safety
Freeport has a low crime rate, with property crime being the most common type of offense. The city’s police department is known for its proactive approach to community policing, and residents generally feel safe and secure.
Reasons why Freeport is a great place to live
Overall, Freeport is a fantastic place to live for those who are looking for a quiet, rural lifestyle with plenty of outdoor activities.
The city’s natural beauty and access to the Gulf of Mexico make it a desirable place for boaters, fishermen, and beach-goers. Additionally, Freeport’s low cost of living and strong sense of community make it a great place to call home. If you’re looking for a peaceful and affordable place to live, Freeport may be the perfect fit for you.
Rosemary Beach Florida
Located on the eastern end of South Walton County, Rosemary Beach is a charming community with a distinct European flair.
The town’s streets and buildings are reminiscent of a French village, complete with cobblestone streets and pastel-colored buildings. The town is also known for its stunning white-sand beaches and emerald-green waters, which attract visitors from all over the world.
Amenities
In terms of amenities, Rosemary Beach has plenty to offer. The town features a bustling commercial district with shops, restaurants, and cafes, as well as several parks and public spaces. There are also a number of community events throughout the year, including concerts, farmers’ markets, and art shows.
Quality of Life
One of the main advantages of living in Rosemary Beach is the quality of life. The town has a low crime rate, excellent schools, and a strong sense of community. However, there are some downsides to consider.
The cost of living in Rosemary Beach is higher than in many other Florida Panhandle towns, and the housing market can be competitive.
Cost of Living
The average cost of living in Rosemary Beach is around 10% higher than the national average, with housing being the largest expense.
However, there are a variety of housing options available, including apartments, townhouses, and single-family homes. The median home price in Rosemary Beach is around $1.3 million, making it one of the more expensive places to live in the Florida Panhandle.
Schools and Education
When it comes to education, Rosemary Beach is served by the Walton County School District. The district has a reputation for excellence, with several of its schools ranking among the best in the state.
Additionally, there are several private schools in the area, offering a range of educational options.
Crime and Safety
In terms of safety, Rosemary Beach is considered one of the safest towns in the Florida Panhandle. The town has a low crime rate and a well-trained police force that works closely with the community to maintain a safe and secure environment.
Overall, there are many reasons why Rosemary Beach is a great place to live. The town’s unique architecture, beautiful beaches, and sense of community make it an ideal place for families, retirees, and anyone looking for a laid-back lifestyle.
While the cost of living may be higher than in other towns in the area, the quality of life in Rosemary Beach is hard to beat.
Miramar Beach Florida
Located on the Gulf of Mexico in the western part of the Florida Panhandle, Miramar Beach is a popular tourist destination known for its stunning beaches and crystal-clear waters.
The town is home to a variety of vacation rentals, hotels, and resorts, as well as a growing number of year-round residents.
Amenities
Miramar Beach offers a wide range of amenities, including world-class shopping, dining, and entertainment. The town is home to the Silver Sands Premium Outlets, which features over 100 designer and name-brand stores, as well as several other shopping centers and malls. There are also numerous restaurants, cafes, and bars in the area, offering everything from fresh seafood to international cuisine.
Cost of Housing
One of the main advantages of living in Miramar Beach is the variety of housing options available. The town offers a mix of single-family homes, townhouses, and condominiums, with prices ranging from around $200,000 to over $10 million.
However, the cost of living in Miramar Beach is higher than in many other Florida Panhandle towns, with housing being the largest expense.
Schools and Education
Miramar Beach is served by the Walton County School District, which has a reputation for excellence. The district offers a variety of educational options, including traditional public schools, charter schools, and private schools. There are also several colleges and universities in the area, including the University of West Florida and Florida State University.
Crime and Safety
When it comes to safety, Miramar Beach is considered one of the safest towns in the Florida Panhandle. The town has a low crime rate and a well-trained police force that works closely with the community to maintain a safe and secure environment.
While Miramar Beach offers many advantages, there are also some downsides to consider. The town can be crowded and congested during peak tourist season, and the cost of living can be prohibitive for some residents. Additionally, the town’s economy is heavily reliant on the tourism industry, which can be volatile.
Overall, there are many reasons why Miramar Beach is a great place to live. The town’s beautiful beaches, vibrant shopping and dining scene, and excellent schools make it an ideal place for families, retirees, and anyone looking for a high-quality of life.
While the cost of living may be higher than in other towns in the area, the benefits of living in Miramar Beach are hard to ignore.
Honorable Mention(s):
Gulf Breeze
Located on a peninsula just south of Pensacola, Gulf Breeze is a picturesque town known for its natural beauty, excellent schools, and high quality of life.
The town is situated along the Santa Rosa Sound, with stunning water views and easy access to the Gulf of Mexico.
Gulf Breeze offers a range of amenities, including parks, nature trails, and golf courses. The town is also home to several shopping centers, restaurants, and cafes, as well as a thriving arts and culture scene.
While Gulf Breeze didn’t make our top 7 list, it is still a great place to live. One of the reasons it didn’t make the list is that it has a slightly higher cost of living compared to some of the other towns on our list.
The median home price in Gulf Breeze is around $340,000, which is higher than many of the other Florida Panhandle towns.
In terms of education, Gulf Breeze is served by the Santa Rosa County School District, which has a reputation for excellence. The district offers a variety of educational options, including traditional public schools, charter schools, and private schools.
When it comes to safety, Gulf Breeze is considered one of the safest towns in the Florida Panhandle.
The town has a low crime rate and a well-trained police force that works closely with the community to maintain a safe and secure environment.
Overall, Gulf Breeze is a great place to live for anyone looking for a high quality of life in a beautiful natural setting. The town’s excellent schools, diverse amenities, and strong sense of community make it an ideal place for families, retirees, and anyone who values a healthy and active lifestyle.
Panama City
Located on the Gulf of Mexico in Bay County, Panama City is a vibrant city with a diverse economy and a strong sense of community.
The city offers a range of amenities, including shopping centers, restaurants, and cafes, as well as several parks and public spaces.
Panama City is also home to several museums and cultural attractions, including the Visual Arts Center of Northwest Florida and the Panama City Center for the Arts.
One of the main advantages of living in Panama City is the variety of housing options available. The city offers a mix of single-family homes, townhouses, and condominiums, with prices ranging from around $100,000 to over $1 million.
The cost of living in Panama City is generally lower than in many other Florida Panhandle towns, making it an attractive option for those on a budget.
When it comes to education, Panama City is served by the Bay District Schools, which has a mix of traditional public schools and charter schools.
The district has a reputation for excellence, with several of its schools ranking among the best in the state. Additionally, there are several colleges and universities in the area, including Gulf Coast State College and Florida State University Panama City.
In terms of safety, Panama City has a higher crime rate compared to some of the other towns on our list. However, the city has a well-trained police force that works closely with the community to maintain a safe and secure environment.
Pensacola
Located in Escambia County, Pensacola is a historic city with a rich cultural heritage and a thriving tourism industry.
The city offers a range of amenities, including shopping centers, restaurants, and cafes, as well as several parks and public spaces. Pensacola is also home to several museums and cultural attractions, including the Pensacola Museum of Art and the National Naval Aviation Museum.
One of the main advantages of living in Pensacola is the variety of housing options available. The city offers a mix of single-family homes, townhouses, and condominiums, with prices ranging from around $100,000 to over $1 million.
The cost of living in Pensacola is generally lower than in many other Florida Panhandle towns, making it an attractive option for those on a budget.
When it comes to education, Pensacola is served by the Escambia County School District, which has a mix of traditional public schools and charter schools.
The district has a reputation for excellence, with several of its schools ranking among the best in the state. Additionally, there are several colleges and universities in the area, including the University of West Florida and Pensacola State College.
In terms of safety, Pensacola has a slightly higher crime rate compared to some of the other towns on our list. However, the city has a well-trained police force that works closely with the community to maintain a safe and secure environment.
Overall, both Panama City and Pensacola offer a range of amenities and attractions that make them great places to live in the Florida Panhandle.
From their diverse housing options to their excellent schools and strong sense of community, these cities have a lot to offer for anyone looking for a high quality of life in this beautiful region.
What About Living East of Panama City?
The land east of Panama City, particularly towards the Apalachicola River, has not been built up with housing and communities to the same extent as the land to the west of Panama City.
This is largely due to the fact that the area is largely rural and undeveloped, with large areas of forest and wetlands.
Additionally, the eastern side of Panama City is located in Bay County, which has stricter land use regulations and zoning requirements than neighboring counties to the west.
These regulations can make it more difficult and expensive to develop large-scale residential or commercial projects.
On the other hand, the land to the west of Panama City, particularly towards Destin and Miramar Beach, has seen significant development over the past few decades. The area has become a popular tourist destination, with a thriving tourism industry and a strong demand for housing and amenities.
As a result, there has been significant growth in the number of residential communities, shopping centers, and other developments in this area.
While the eastern side of Panama City may not offer the same level of development and amenities as the western side, it still offers plenty of opportunities for outdoor recreation and a high quality of life.
The area is home to several state parks and wildlife preserves, as well as a variety of outdoor activities like fishing, hiking, and hunting.
Additionally, the eastern side of Panama City is still relatively close to the Gulf of Mexico and the other attractions of the Florida Panhandle, making it a great place to live for those looking for a quieter, more rural lifestyle.
Felling overwhelmed or maybe just visiting for fun? Try reading our Guide to the Emerald Coast to help narrow it down!
Conclusion
The Florida Panhandle is a diverse and vibrant region with a lot to offer.
After researching and exploring the area, we’ve come up with our top 7 picks for the best cities to live in, which include Seaside, Destin, Niceville, Navarre, Freeport, Rosemary Beach, and Miramar Beach. Each of these towns and cities has its own unique charm, amenities, and attractions, making them great places to call home.
In addition to our top 7 picks, there are many other great cities in the Florida Panhandle that offer a high quality of life. From the historic city of Pensacola to the laid-back town of Port St. Joe, there’s no shortage of great places to live in this beautiful region.
Overall, the Florida Panhandle is a great place to live for anyone looking for a high quality of life in a beautiful natural setting.
Whether you’re looking for a quiet community or a bustling city, there’s something for everyone in this area. With its stunning beaches, excellent schools, and strong sense of community, the Florida Panhandle is a truly special place to call home.
