Can I Airbnb in Panama City Beach, FL? (2026)
Short-term rentals are legal throughout Panama City Beach, but under Ordinance 1632 (Sec. 8-183, effective February 1, 2024) every unit must hold a city Vacation Rental Certificate ($250 initial registration, $150 annual re-registration) plus a Florida DBPR vacation rental license, Bay County tourist tax registration, and a city Business Tax Receipt. The biggest burden is the annual registration and life-safety inspection regime with posted occupancy limits (150-200 sq ft per person) and escalating fines up to $1,000 plus certificate revocation; there are no owner-occupancy rules, night caps, or minimum-stay limits because Florida law preempts them. Always confirm current requirements with the city before operating.
What’s required: a Vacation Rental Certificate ($250) is required; occupancy taxes apply; renew annual.
Check a specific address
Rules can vary by zone and parcel. Resolve any Florida street address to its jurisdiction and see the verified rules that apply.
Related
Verified July 10, 2026. Informational only — not legal, tax, or financial advice. Also check HOA/condo rules and your lease, which can prohibit short-term rentals even where the city allows them.