Racial and ethnic composition 2020 census As of the
2020 census, Panama City Beach had a population of 18,094. The median age was 45.7 years. 16.6% of residents were under the age of 18 and 20.9% of residents were 65 years of age or older. For every 100 females there were 96.4 males, and for every 100 females age 18 and over there were 95.0 males age 18 and over. There were 8,031 households in Panama City Beach, of which 22.1% had children under the age of 18 living in them. Of all households, 47.5% were married-couple households, 20.2% were households with a male householder and no spouse or partner present, and 25.5% were households with a female householder and no spouse or partner present. About 30.4% of all households were made up of individuals and 10.5% had someone living alone who was 65 years of age or older. In 2010, the population density was . There were 17,141 housing units at an average density of . In 2010, there were 5,149 households, out of which 21.1% had children under the age of 18 living with them, 42.9% were headed by married couples living together, 9.2% had a female householder with no husband present, and 43.4% were non-families. 31.3% of all households were made up of individuals. 9.5% were someone living alone who was 65 years of age or older. The average household size was 2.22. The average family size was 2.76. In 2010, 18.0% of the population were under the age of 18, 10.3% from 18 to 24, 27.2% from 25 to 44, 29.0% from 45 to 64, and 15.5% who were 65 years of age or older. The median age was 40.9 years. For every 100 females, there were 99.6 males. For every 100 females age 18 and over, there were 100.0 males.
2000 census In the 2000 census, the median income for a household in the town was $41,198, and the median income for a family was $49,127. Males had a median income of $32,459 versus $22,358 for females. The per capita income for the town was $26,734. About 2.2% of families and 5.0% of the population were below the poverty line, including 3.9% of those under age 18 and 4.5% of those age 65 or over. ==Government==