ADUs are allowed in Panama CityTypes:DetachedInternal
Types:DetachedInternal
Accessory Dwelling Unit (ADU) Rules for Panama City, FL
Is your property eligible for an ADU?
# of Properties
13,191
Owner-occupied
60%
Zoning districts
46
Avg Home Value
$228,022
Median Lot Size
0.23 acres
Avg Income
$66,754
Residential Types:
13,191 housing units
Single Family
91%
Other
9%
Zoning Districts:
20,042 parcels · 46 districts
R-1
35%(6,936)
NR
16%(3,121)
PUD
11%(2,234)
NG
9%(1,820)
Other
30%(5,931)
ADU Rules
What can you build in Panama City, FL?
Panama City, FL follows state and local rules for Accessory Dwelling Units. Here is a concise overview of the local rules.
Eligibility
- –Internal / Attached ADU: By Right
- –Detached ADU: By Right
Size Limits
- –Maximum size of 60% of the primary dwelling’s habitable square footage
Max Units
- –Citywide: 1 ADU per residential lot
- –NR district: 1 ADU per lot
Owner Occupancy
- –No owner-occupancy requirement for ADUs.
Parking
- –1 space/ADU (NG/ND); max 3 spaces/ADU (NG/ND); minimum may be waived if district standards are met; city commission may grant exceptions to the maximum; outside NG/ND, general dwelling parking applies (not ADU-specific).
Rental Restrictions
- –Transient lodging/short-term rentals prohibited in residential districts.
ADU State Law
What can you build in Florida?
- –Florida does not have a statewide ADU mandate. There is no state-level requirement for cities or counties to allow ADUs.
- –ADUs in Florida are regulated entirely at the local level. Some jurisdictions allow ADUs broadly, others allow them with strict conditions, and some prohibit them altogether.
- –Florida Statute 163.31771 is optional. It allows local governments to adopt ADU ordinances for affordable housing, but it does not require any jurisdiction to allow ADUs, and local governments may adopt ADU rules outside of this statute.
- –County and city rules may differ. In unincorporated areas, county zoning controls whether ADUs are allowed; within city limits, municipal zoning codes apply.
What's allowed on your lot?
These are the municipality-wide rules. What's allowed on a specific property also depends on state laws, setbacks, floor area ratio, lot coverage, environmental constraints, topography, and other property-specific factors. Search your address on FutureLot to see what's allowed on your property.
Check my propertyHow can we help you?
Get matched with trusted local builders
Understand what's allowed on your property
Learn the key rules and size limits for ADUs
Is your property eligible for an ADU?
ADU rules in other Florida municipalities
Rules change at the town line. Check the municipality your property is actually in.
Bay County