13 cities
| City | Rank | 2025 Pop. ↓ | 2020 Pop. | Change | Density | Area (mi²) | Type |
|---|---|---|---|---|---|---|---|
| Panama City | 1 | 37,525 | 32,862 | 2.55% | 1,059 | 35.43 | City |
| Lynn Haven | 2 | 21,720 | 18,672 | 2.89% | 2,071 | 10.49 | City |
| Panama City Beach | 3 | 20,309 | 18,018 | 2.31% | 1,052 | 19.30 | City |
| Upper Grand Lagoon | 4 | 17,837 | 18,114 | 1.47% | 2,202 | 8.10 | CDP |
| Callaway | 5 | 14,119 | 12,974 | 1.65% | 1,501 | 9.41 | City |
| Springfield | 6 | 8,403 | 8,033 | 0.89% | 1,959 | 4.29 | City |
| Parker | 7 | 5,062 | 3,984 | 4.46% | 2,649 | 1.91 | City |
| Lower Grand Lagoon | 8 | 4,946 | 4,700 | 1.46% | 2,365 | 2.09 | CDP |
| Laguna Beach | 9 | 4,259 | 4,271 | 0.5% | 1,698 | 2.51 | CDP |
| Cedar Grove | 10 | 2,924 | 3,499 | -1.08% | 1,116 | 2.62 | CDP |
| Pretty Bayou | 11 | 2,285 | 2,901 | -2.6% | 1,453 | 1.57 | CDP |
| Mexico Beach | 12 | 1,259 | 916 | 5.8% | 544 | 2.32 | City |
| Tyndall AFB | 13 | 184 | 2,072 | -50.4% | 13 | 14.46 | CDP |
Panama City is the largest city in Bay County, with a population of 37,525.
Tyndall AFB is the smallest city in Bay County.
There are 13 cities in Bay County, Florida.