20 cities
| City | Rank | 2025 Pop. ↓ | 2020 Pop. | Annual Change | Density | Area (mi²) | Type |
|---|---|---|---|---|---|---|---|
| Panama City | 1 | 38,065 | 33,047 | 2.81% | 1,074 | 35 | City |
| Panama City | 2 | 38,065 | 32,858 | 2.81% | 1,074 | 35 | City |
| Lynn Haven | 3 | 22,776 | 18,710 | 3.74% | 2,171 | 10 | City |
| Lynn Haven | 4 | 22,776 | 18,664 | 3.74% | 2,171 | 10 | City |
| Panama City Beach | 5 | 20,447 | 18,079 | 2.47% | 1,059 | 19 | City |
| Panama City Beach | 6 | 20,447 | 17,987 | 2.47% | 1,059 | 19 | City |
| Upper Grand Lagoon | 7 | 17,837 | 18,114 | 1.47% | 2,202 | 8 | CDP |
| Callaway | 8 | 14,427 | 13,054 | 2.04% | 1,534 | 9 | City |
| Callaway | 9 | 14,427 | 12,979 | 2.04% | 1,534 | 9 | City |
| Springfield | 10 | 8,610 | 8,094 | 1.35% | 2,007 | 4 | City |
| Springfield | 11 | 8,610 | 8,035 | 1.35% | 2,007 | 4 | City |
| Parker | 12 | 5,006 | 4,008 | 4.27% | 2,620 | 2 | City |
| Parker | 13 | 5,006 | 3,981 | 4.27% | 2,620 | 2 | City |
| Lower Grand Lagoon | 14 | 4,946 | 4,700 | 1.46% | 2,365 | 2 | CDP |
| Laguna Beach | 15 | 4,259 | 4,271 | 0.5% | 1,698 | 3 | CDP |
| Cedar Grove | 16 | 2,924 | 3,499 | -1.08% | 1,116 | 3 | CDP |
| Pretty Bayou | 17 | 2,285 | 2,901 | -2.6% | 1,453 | 2 | CDP |
| Mexico Beach | 18 | 1,282 | 916 | 5.95% | 554 | 2 | City |
| Mexico Beach | 19 | 1,282 | 920 | 5.95% | 554 | 2 | City |
| Tyndall AFB | 20 | 184 | 2,072 | -50.4% | 13 | 14 | CDP |
Panama City is the largest city in Bay County, with a population of 38,065.
Tyndall AFB is the smallest city in Bay County, with a population of 184.
There are 20 cities in Bay County, Florida.