Cedar GroveFL
A town of 3,802.
Is Cedar Grove a good place to live?
Cedar Grove gives you more for your money than most places: homes are within reach, about $176K for a typical one, or 2.5 years of the Panama City metro’s $72K median household income. It grades B− overall, 196th of 634 graded towns in Florida. The low prices come with trade-offs. FEMA rates its natural-hazard risk higher than 92% of U.S. communities, with hurricanes at the top, and residents are less healthy than 76% of U.S. towns on CDC estimates. On the plus side, it is easier to get around on foot or by transit than 76% of U.S. towns. Cedar Grove’s January low is 43°F, below Florida’s towns (51°F) but above U.S. towns (22°F).
What makes Cedar Grove stand out
Where Cedar Grove beats most towns, and one thing worth knowing.
How Cedar Grove grades
Each subject compared with towns across the country (schools within Florida), ordered by how far Cedar Grove is from typical.
How TownRatings grades towns →
Moving to Cedar Grove: who provides what
Cedar Grove is unincorporated, so Bay County and regional agencies provide most services.
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 Cedar Grove.
Cedar Grove has homes that are cheap against local pay, trades workers with Panama City and other neighbors and has a longer frost-free season than most of the country, though not than most of Florida.
Natural hazards: very high risk in Cedar Grove, mostly hurricanes
156 flood insurance claims have been paid in Cedar Grove since 1982. Of the losses FEMA expects in the town, 77% come from hurricanes and 9% from inland flooding.
FEMA flood insurance claims · FEMA National Risk Index · OpenFEMA
On state tests, Cedar Grove’s schools beat 61% of Florida districts
Public schools: the Bay school district. One of its 2 schools is below, with the reason it’s listed. 2 public schools serve Cedar Grove, with 1,179 students in all.
| School | Level | Students | Letter |
|---|---|---|---|
| Hiland Park Elementary SchoolLargest public elementary schoolGrades PK–5 | Grades PK–5 | 684 | C |
NCES · EDFacts · graded within FL on state tests and graduation
Cedar Grove’s grade for health is a C−
For adults in Cedar Grove, the share who have been diagnosed with depression is 21%. On the CDC’s 31 measures, Cedar Grove is ahead of Florida on 2 and behind on 17. Among adults in the town, 20% report frequent mental distress and 25% worry about having enough food.
| Cedar Grove | Florida towns | U.S. towns | |
|---|---|---|---|
| Sleep under 7 hours (CDC PLACES) | 44% | 37% | 36% |
| Frequent mental distress (CDC PLACES) | 20% | 16% | 17% |
| Food insecurity (CDC PLACES) | 25% | 15% | 14% |
| Smoke cigarettes (CDC PLACES) | 18% | 13% | 14% |
| What stands out | Cedar Grove | FL |
|---|---|---|
| Fewer adults who have had cancer | 6.8% | 9.1% |
| Fewer adults with heart disease | 6.4% | 7.5% |
| More adults facing a utility shut-off | 13.7% | 8.6% |
CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA
The climate in Cedar Grove brings mild winters and hot summers
The Panama City 5n weather station, 5 miles away, records that the frost-free season runs about 301 days: longer than most of the country, but shorter than 77% of Florida places with climate records. The Panama City 5n weather station, 5 miles away, records that about 67 days a year reach 90°: more than most of the country, but fewer than 87% of Florida places with climate records.
For Cedar Grove, the July high is 90°F.
Typical low → high °F
NOAA U.S. Climate Normals, 1991–2020
About one in three of Cedar Grove’s working residents commute to Panama City
Cedar Grove has about as many jobs (1,705) as working residents, but only 47 people both live and work here. Jobs based here grew from 1,052 in 2013 to 1,705.
For most workers, Cedar Grove is a place to come home to: only 3% work in town. The share of residents in Cedar Grove who live below the poverty line: 18%. Employers in Cedar Grove added 653 jobs between 2013 and 2023, to 1,705. The top destinations are Panama City (33%), Lynn Haven (9%) and Panama City Beach (6%).
| Cedar Grove | Florida towns | U.S. towns | |
|---|---|---|---|
| Below the poverty line | 18% | 11% | 9.6% |
| Working residents who work in town | 2.9% | 5% | 8% |
| Average trip to work | 27 minutes | 27 minutes | 25 minutes |
Where working residents work
Census LEHD 2023 · ACS
Conservation land takes up 0.6% of Cedar Grove
One park or preserve covers 9 acres in Cedar Grove.
| Biggest places to walk | Trails | Acres |
|---|---|---|
| 1. Spring Valley Walking Park | — | 9 |
Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US
The median home in Cedar Grove sells for about $285K
At 2.5 years of the Panama City metro’s $72K median household income, the typical home costs less against local pay than in 94% of Florida towns; that ratio is one input to its B+ for cost of living. The median property tax bill is $729, against $2,730 across Florida, another input to its cost-of-living grade.
The going rate for rent for Cedar Grove comes to $1,420 a month. 67% of households are owner-occupiers in the town.
| Cedar Grove | Florida towns | U.S. towns | |
|---|---|---|---|
| Households that own their home | 67% | 72% | 73% |
| Median rent | $1,420 a month | $1,647 a month | $1,185 a month |
Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center
Everything we know about Cedar Grove
Colleges nearby
1 within 15 miles of the center of Cedar Grove
About 2 of every 100 Cedar Grove residents are enrolled in college, against 6 across Florida.
Cedar Grove’s neighbors
3 towns share a border with Cedar Grove.
| Town | FL rank | Overall | Cost | Safety | Schools | Health |
|---|---|---|---|---|---|---|
| Cedar Grove | #196 | B− | B+ | — | B | C− |
| Panama City | #555 | D | C | D | B | C− |
| Springfield | #499 | C− | B− | D | B | C− |
| Lynn Haven | #122 | B | C− | B+ | B | B+ |
Cedar Grove reports no FBI crime data of its own. Compare Cedar Grove with a neighbor →
Questions about Cedar Grove
Short answers, built from the data on this page.
Is Cedar Grove, FL a good place to live?
Cedar Grove grades B− overall, better than 45% of U.S. towns and #196 of 634 in Florida. It grades C− for health and B for schools. Hazard risk is its weak spot, with a D.
Is Cedar Grove, FL expensive?
Not for the area. The typical home is worth about $176,000, 53% below the Florida typical home. Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades B+.