Callaway is a city in Bay County, Florida, United States, and is a suburb of Panama City. The population was 13,045 at the 2020 census, down from 14,405 at the 2010 census. It is part of the Panama City–Panama City Beach, Florida Metropolitan Statistical Area.

Official town website ↗

From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)

How Callaway ranks

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#70Lowest property tax in FL #147Shortest commute in FL #153Most affordable in FL All FL rankings →

Town numbers

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Living in Callaway

Housing in Callaway

$266K▲ 0.6% in a year Typical home value · Zillow

The typical Callaway home is worth about $266,000, up 0.6% in a year, 29% below the Florida typical home.

A buyer's market

Buyer’sBalancedSeller’s

Days on market86

Sale-to-list98.7%

Sold in May25

Zillow Home Value Index · Redfin Data CenterHousing market →

Work & commute in Callaway

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Most working residents leave Callaway for work: only 5% work in town. The top destinations are Panama City (33%), Lynn Haven (8%) and Panama City Beach (6%). Half commute less than 8 miles.

Panama City

33%

Lynn Haven

Panama City Beach

Upper Grand Lagoon

5%Work in townlive and work in Callaway 8 miWhere do people commute?the commute map 1,757Jobs based herea commuter town

Census LEHD 2023 · ACSWork & commute in Callaway →

Health in Callaway

Health Grade C

Healthier than 34% of U.S. towns on seven CDC estimates.

Compared with Florida

1better than FL·7worse

of 26 measures CDC estimates. The other 18 are too close to call.

Conditions 1▲ 3▼ 8 close Habits 1▼ 3 close Care 2▼ 5 close Mind 1▼ 2 close

BetterToo close to callWorse

What stands out

8.2%Fewer adults who have had cancerFL 9.1% · better 16.7%More older adults who have lost all their teethFL 12.7% · worse

Care nearby

Ascension Sacred Heart BayPanama City · 6.2 mi · ER

Pancare Health - Panama CityPanama City · 5.9 mi · sliding-scale fees

Primary careShortage · county-wide

DentalNo shortage

Mental healthShortage · county-wide

CDC PLACES 2025 · modeled estimates for adults · CDC's estimate for Callaway · CMS · HRSAHealth in Callaway →

Natural hazards in Callaway

Very high

Expected storm and flood damage is higher than in 94% of U.S. communities.

🌀 Hurricanes🌊 Inland flooding🌪️ Tornadoes

257Does Callaway flood?paid flood claims since 1978 5Disasters that paid out herefederal disasters sent FEMA money to Callaway MapCallaway vs. its neighborsnearby towns shaded by rating

FEMA National Risk Index December 2025 · OpenFEMANatural hazards in Callaway →

Climate in Callaway

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Callaway has warm winters and warm summers, with plenty of rain. A typical July afternoon reaches 90°, a January night drops to 44°, and snow is almost unheard of.

64° / 46°Winter

77° / 59°Spring

89° / 74°Summer

79° / 62°Fall

How much snow does Callaway get?Almost none.Rain & snow →When is the first frost?Around Dec 24, with the last in spring around Feb 7.Frost dates →Is it warmer than it used to be?+1.0° vs. the 20th century.Then & now →

NOAA U.S. Climate Normals, 1991–2020Climate in Callaway →

Schools in Callaway

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B⁻

School Grade B-

The public schools Callaway’s kids attend, from kindergarten through graduation, trail 55% of Florida’s districts on state tests and graduation. Among towns with similar incomes, they sit near the middle.

See how Callaway’s schools compare in FL →

DistrictBAYSchools1

Callaway Elementary School C+Elementary · Grades PK–5 · 622 students

School data from the U.S. Department of Education (NCES, EDFacts). The School Grade is our own summary of state test results and graduation rates, graded within FL. Ratings are from neighbors.