Casey's, 2026
Callaway’s story
66 years in pictures
Census counts: 950 in 1960, 13,045 in 2020. The archive holds 6 old photos and papers going back to 2004 and 3 maps from 1945 on.
- 1960Callaway is settled
Photo: The Bushranger · CC BY-SA 4.0
Population
14,369
2025 Census estimate · +10% since 2020
Typical home
$260K
+0.8% in a year
Household income
$66K
median
Median age
35.2
years
Jobs based here
1,757
A commuter town
TownGrade
C
#402 of 634 in FL
What should you know before moving to Callaway?
FEMA rates its natural-hazard risk higher than 94% of U.S. communities, with hurricanes at the top. Overall it grades C, ranked 402nd of 634 in Florida. It also does better than most on schools: its public schools beat 61% of Florida towns on state tests and graduation. Its lowest everyday mark is in health: CDC estimates put its residents' health behind 67% of the country. A typical home there costs about $260K, 3.6 years of the Panama City metro’s $72K median household income. Callaway has 1 place on the National Register. 12% of residents are 65 or older in Callaway, where Florida’s towns sit at 20% and U.S. towns at 18%. Callaway's civic life (library use, community groups, volunteering) trails 92% of U.S. towns.
WeakestD−Hazard risk
A commuter town
95% of working residents leave Callaway for work
Where Callaway’s working residents go each day. Line width shows the share.
1,757jobs based in Callaway
5%of working residents work in town
8 mimedian commute distance
Census LEHD 2023
How Callaway grades
Each subject compared with towns across the country (schools within Florida), ordered by how far Callaway is from typical.
Hazard riskhurricanes tops the listD−Open →HealthAscension Sacred Heart Bay 4.3 miles awayCOpen →Cost of livingC+Open →SchoolsBOpen →WalkabilityEPA walkability 7.5 of 20; 4.1% of households have no car; 1.9% of workers walk, bike or ride transitB−Open →Jobs & income$66K median household incomeB−Open →
Character Graded, but not part of the overall grade.
Outdoors5 miles of trails; 2% conserved landB−Open →HistoryDOpen →Civic life1.7 community nonprofits per 1,000 residentsDOpen →
Described, not graded Taste, not quality: snow or an older crowd is neither good nor bad.
Climate–Open →Housing market86 days on market–Open →Who lives here25% of adults have a four-year degree–Open →
How TownRatings grades towns →
Getting set up
The full setup list →Moving to Callaway: who provides what
Who provides power, water and the rest in Callaway, and how to reach them.
PowerDuke Energy18.4¢/kWh · EIA 2025HIFLD · EIA
WaterCallaway, City of Water SystemNo health-based violations in 5 years · EPAEPA
Internet5 providers100% of addresses get 100/20 MbpsFCC
Trash & dumpHire your ownNo town pickup: you hire a private haulerTown site
Register to voteOnlineIn Florida you can register online until 29 days before Election Day, in person until 29 days before Election Day, or by mail (postmarked 29 days before).vote.govWho runs elections hereBay Supervisor of ElectionsBay County; contacts on the Handbook page.FVAP, Dec 2024
ZIP code3240432404 100%Census 2020
EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Nov 17, 2025.
The data
Ordered by what stands out in Callaway.
Callaway has a longer frost-free season than nearly all U.S. towns and has property taxes about half the Florida norm, but it has a long record of flood insurance claims.
Natural hazardsHazard risk grade D−
Very high risk in Callaway, with hurricanes at the top
257 flood insurance claims have been filed here, and 38 properties have flooded more than once.
Since 1978, 257 flood insurance claims have been paid out in Callaway.
94risk score of 100
FEMA risk score
HurricanesInland floodingTornadoes
257
paid flood claims since 1978
5
federal disasters paid out here
FEMA flood insurance claims · FEMA National Risk Index · OpenFEMA
SchoolsB
For schools, Callaway earns a B
Its public schools are run by the Bay school district. Its one school is below.
61%of FL districts it outscoresBSchool Grade
| School | Level | Students | Letter |
|---|---|---|---|
| Callaway Elementary SchoolLargest public elementary schoolGrades PK–5 | Grades PK–5 | 622 | C+ |
NCES · EDFacts · graded within FL on state tests and graduation
#211for trails in FL
| Callaway | Florida towns | U.S. towns | |
|---|---|---|---|
| Miles of trail per square mile | 0.5 miles per square mile | 0.4 | 0.4 |
| Conserved land | 2.1% | 3% | 4.3% |
2.1%
conserved · 128 of 6,084 acres
5.1 mi
of trails · 0.5 per sq mi
Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US
Work & commuteJobs & income grade B−
Most of Callaway’s workers commute out: the town has 0.3 jobs for each of them
Most working residents leave Callaway for work: only 5% work in town. 7.1% of workers work from home in Callaway. Jobs based in Callaway fell to 1,757 in 2023, 133 fewer than in 2013.
5%work in town
| Callaway | Florida towns | U.S. towns | |
|---|---|---|---|
| Work from home | 7.1% | 14% | 11% |
| Average trip to work | 24 minutes | 27 minutes | 25 minutes |
| Median household income | $66,000 | $73,000 | $80,000 |
Where working residents work
In Callaway5%
Panama City33%
Lynn Haven8%
Panama City Beach6%
Upper Grand Lagoon3%
8 mi
median commute distance
1,757
jobs based in Callaway
A commuter town
jobs vs. working residents
B−
Walkability grade: more walkable than 54% of U.S. towns
Census LEHD 2023 · ACS
HousingCost of living grade C+
For cost of living, Callaway earns a C+
The median property tax bill is $1,250, against $2,730 across Florida, another input to its cost-of-living grade.
59% of Callaway households own their home. The typical Callaway home is worth about $260,000, up 0.8% in a year, 31% below the Florida typical home. The median rent in Callaway is $1,322 a month.
$260KZillow home value
| Callaway | Florida towns | U.S. towns | |
|---|---|---|---|
| Households that own their home | 59% | 72% | 73% |
| Median rent | $1,322 a month | $1,647 a month | $1,185 a month |
Typical home value
Callaway$260K
Florida$375K
Market temperature
86
days on market
98.7%
sale-to-list price
+0.8%
value change, 1 year
25
homes sold in May
Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center
Who lives here
Younger than Florida overall
People 65 and older are 12% of residents (21% statewide); adults 18 to 34 are 26% of residents (21% statewide). Callaway’s median age is 35.2 years. Callaway has grown 10% since 2020, to 14,369 residents in the Census Bureau’s 2025 estimate.
35.2median age · FL 42.6
| Callaway | Florida towns | U.S. towns | |
|---|---|---|---|
| Median age | 35.2 years | 42.5 years | 40.5 years |
| Under 18 | 24% | 20% | 22% |
| Bachelor’s degree or more, 25+ | 25% | 31% | 29% |
CallawayFloridaUnited States
Ages · share of residents
16%
Education · adults 25 and older
No diploma12%
High school28%
Some college23%
Associate’s13%
Bachelor’s18%
Graduate7%
Women and men · all residents
47% women, 53% men
About 112 men for every 100 women (the survey’s margin: ±2.4 points). Across Florida, 50.9% of residents are women.
| Callaway | FL | U.S. | |
|---|---|---|---|
| Under 10 | 12.6% | 10.3% | 11.6% |
| 10 to 17 | 11.2% | 9.2% | 10.3% |
| 18 to 24 | 10.3% | 8.1% | 9.1% |
| 25 to 34 | 15.5% | 12.7% | 13.7% |
| 35 to 44 | 13.1% | 12.7% | 13.2% |
| 45 to 54 | 10.1% | 12.3% | 12.2% |
| 55 to 64 | 15.3% | 13.4% | 12.7% |
| 65 to 74 | 7% | 11.7% | 10.2% |
| 75 and older | 4.9% | 9.6% | 7% |
| No diploma | 12.3% | 10.1% | 10.4% |
| High school | 27.7% | 27.2% | 26% |
| Some college | 22.5% | 18.5% | 19.1% |
| Associate’s | 12.9% | 10.1% | 8.8% |
| Bachelor’s | 17.7% | 21.3% | 21.6% |
| Graduate | 6.9% | 12.9% | 14.1% |
Census population estimates, 2025 · U.S. Census Bureau · ACS 2020-2024 5-year estimates
HealthC
For health, Callaway earns a C
Callaway beats the Florida average on 1 of 31 CDC measures and trails it on 11.
33%healthier than U.S. townsCHealth Grade
| Callaway | Florida towns | U.S. towns | |
|---|---|---|---|
| Sleep under 7 hours (CDC PLACES) | 41% | 37% | 36% |
| Frequent mental distress (CDC PLACES) | 19% | 16% | 17% |
| Yearly checkup (CDC PLACES) | 76% | 79% | 79% |
| Smoke cigarettes (CDC PLACES) | 16% | 13% | 14% |
31 measures vs. Florida
1 better19 too close to call11 worse
| What stands out | Callaway | FL |
|---|---|---|
| Fewer adults who have had cancer | 8.2% | 9.1% |
| More older adults who have lost all their teeth | 16.7% | 12.7% |
Ascension Sacred Heart Bay
4.3 mi away · emergency room
2 of 3
care shortages: primary care, mental health
29th
percentile among FL towns
CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA
Climate
Callaway has mild winters and hot summers
The Panama City 5n weather station, 11 miles away, records that the frost-free season runs about 301 days, longer than in 96% of U.S. towns. The Panama City 5n weather station, 11 miles away, records that about 67 days a year reach 90°: more than most of the country, but fewer than 84% of Florida places with climate records.
Callaway has warm winters and warm summers, with plenty of rain. July afternoons reach 90°, January nights drop to 44° and snow is almost unheard of.
90°summer high
Typical low → high °F
Winter46–64°
Spring59–77°
Summer74–89°
Fall62–79°
Dec 24
typical first frost
Feb 7
typical last frost
+1.0°
vs. the 20th-century average
90°
typical summer high
NOAA U.S. Climate Normals, 1991–2020
Keep exploring
Everything we know about Callaway
17pages on Callaway
The big questions
Out and about
The story
After high school
Colleges nearby
1 within 15 miles of the center of Callaway
About 7 of every 100 Callaway residents are enrolled in college, about the same as Florida.
About Callaway
City in Florida, United States
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.
From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)
- Area
- 9.5 sq mi
- Elevation
- 33 ft
Callaway’s neighbors
2 towns share a border with Callaway.
SpringfieldParkerCallaway
How the neighbors grade
| Town | FL rank | Overall | Cost | Safety | Schools | Health |
|---|---|---|---|---|---|---|
| Callaway | #402 | C | C+ | — | B | C |
| Springfield | #499 | C− | B− | D | B | C− |
| Parker | #297 | C+ | C+ | C | B | B |
Callaway reports no FBI crime data of its own. Compare Callaway with a neighbor →
Questions about Callaway
Short answers, built from the data on this page.
Is Callaway, FL a good place to live?
Callaway grades C overall, better than 26% of U.S. towns and #402 of 634 in Florida. It grades C for health and B for schools. Hazard risk is its weak spot, with a D−.
Is Callaway, FL expensive?
Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades C+.