Waterfront holiday rentals in Panama City

Find and book unique waterfront accommodation on Airbnb

Top-rated waterfront accommodation in Panama City

Guests agree: These waterfront accommodation options are highly rated for location, cleanliness and more.

1 of 1 pages1 / 1
Guest favourite
A scenic view of a wooden dock extending into the calm water, bordered by lush greenery. A lounge chair sits on the grass nearby, complemented by a potted plant. The tranquil blue sky reflects off the water, enhancing the serene outdoor setting.
Cottage in Panama City
4.94 out of 5 average rating, 143 reviews

Water front amazing views and private beach

Cute and cozy 550 sq ft bungalow perfect for couples. Located directly on the bay. Boat ramp 1/4 mile away. Boat dock with slips in your backyard! Work from the kitchen table and watch boats go by. This duplex offers breathtaking views. Fish from your backyard or off the newly built dock. PCB is a 30 min. drive. Mexico Beach is 18 mi. Large back deck, amazing sunsets. Fishing charter option available. Complementary paddle board and kayaks! Quiet and a great place to reset, relax and reconnect!

Top Guest favourite
A shaded outdoor area features a large umbrella over a chair, complemented by a variety of potted flowers along the path. In the background, a glimpse of water is visible, framed by palm trees and greenery.
Home in St. Andrews
4.89 out of 5 average rating, 112 reviews

Location! Private Beach/Estates/Rm for boat/Pet(s)

Spacious 1700 sq. ft. with Private Beach. On W Beach Dr, Panama City's waterfront historic estates. No crowded beach or traffic jam condo culture here. Bring your pet(s) to the deeded white sand beach with magnificent sunsets and views of Shell Island and the mouth of the gulf directly in front. 1 mile to historic Downtown or St. Andrew - in the middle of PC's best restaurants, marinas, parks! Experience an estate amongst Panama City’s historical waterfront mansions. Front row July 4 fireworks!

Top Guest favourite
A spacious ground floor bungalow is visible, surrounded by lush greenery and palm trees. Colorful directional signs indicate nearby attractions. The covered deck features comfortable seating, inviting relaxation. Sturdy wooden steps lead to the upper level, enhancing the welcoming outdoor space.
Apartment in St. Andrews
4.95 out of 5 average rating, 386 reviews

“Bungalow” at the Hideaway - Private & Water views

Beautiful Bayou Sunsets. New updates in 2020! Roomy and Relaxing ground floor location. Covered deck. Grill. Queen bed, furnished kitchen, w/new granite countertops. breakfast bar. Full bath. Twin trundle bed in liv room. Convenient parking by your door. Enjoy the views. Perfect spot for business or vacation travellors. Dog Friendly. Enjoy our new Greenhouse to sip, sit and relax amongst the flowers and plants. Families with all ages of children are welcome. Parking for boat & bike trailers.

Top Guest favourite
A private balcony is showcased, featuring modern outdoor furniture, including a black lounge chair and two white Adirondack chairs. The expansive view overlooks the vibrant blue ocean and sky, with sunlight reflecting off the water, creating a serene atmosphere.
Condo in Panama City Beach
4.96 out of 5 average rating, 189 reviews

🏖️SUGAR-WHITE-SAND🏖️BEACHFRONT-4 POOLS-MAJESTIC

🏝 BEST IN PCB 🏝 It doesn’t get much better than waking up to a stunning ocean view from your main bedroom and stepping right onto a private balcony overlooking the breathtaking sunrises over the Gulf. Start your day with a warm cup of coffee as you take in the serene beauty of the emerald waters. In the evening, unwind with a glass of wine while watching dolphins gracefully swim by. Step directly onto the sugar-white sandy beach, unfold your chairs, and soak up the Florida sun. Perfect getaway

Top Guest favourite
Condo in Panama City Beach
5 out of 5 average rating, 249 reviews

My Happy Place PCB-FREE beach service, king bed

My Happy Place | 2BR+bunkroom/2BA 15th floor condo w/ epic Gulf views! FREE beach setup (2 chairs+1 umbrella, Mar–Oct 2026), plus access to 8+ extra chairs, 3+ umbrellas, toys, books & games. Picture yourself lounging on the balcony, splashing in the pool, or grilling dinner after sunset! Super-fast WiFi, 4 TVs, washer/dryer, well-equipped kitchen, & balcony grill. Resort hot tub, fire pit & good vibes included. $50 Resort Pass (0–1 car/stay), $100 for 2. Weekends book fast—weekday rates shine!

Top Guest favourite
The view from a large window showcases a vibrant sunset over the bay. Two Adirondack chairs are positioned on a deck outside, framed by palm trees. The tranquil waters reflect hues of orange and pink, creating a serene atmosphere.
Home in Panama City
4.94 out of 5 average rating, 234 reviews

Bay Beach Bungalow waterfront family vacation home

Bring the whole family to your waterfront getaway. Enjoy your own St. Andrews Bay Beach access, including your own dock. Experience over water dining, fishing, sunbathing, Kayaking, or SUP. Watch for birds, turtles and dolphins. Bring your own boat and anchor offshore, or rent a boat from the marina right across the street. This is a great family destination. Trust us with your vacation, relax and enjoy bay views, your own bay beach and space. Absolutely no weddings or parties are allowed.

Guest favourite
A spacious living room features a large sectional couch adorned with cushions, facing two small round tables. Natural light filters through several tall windows with blinds, highlighting the warm wood flooring and a decorative plant in the corner.
Home in Lower Grand Lagoon
4.91 out of 5 average rating, 222 reviews

Beach House for 10 - WALK TO BEACH - w/ KING bed!

Message us for special winter discount! Enjoy a relaxing experience at our spacious, perfectly located 2 bed, 2 bath, + loft (WITH PUTTING GREEN!), beach house near the most beautiful beaches in FL. Located only 2 blocks from the white sandy beaches of PCB. You are only a short distance from great bars, restaurants, and the beautiful St. Andrews State Park. Schooners, Patches, Newby's & Tootsies are just around the corner making for a great walk home after dinner and drinks.

Top Guest favourite
A serene beach scene features a sandy shoreline gently leading to calm waters. A long wooden pier extends into the bay under a bright blue sky adorned with fluffy white clouds. Lush greenery is visible to the right, enhancing the natural shoreline.
Home in Panama City
4.97 out of 5 average rating, 204 reviews

3BR/2BA Bayfront Home w/prvt. bch. Dog friendly

We are located in the beautiful historic neighborhood of St. Andrews. This is not just a 3BR/2BA house for rent, it was the family home of the current owners . Newly renovated, it feels like a home away from home for guests. The house is fully stocked for comfort & is pet friendly. Private beach, huge bayside yard w/deck, incredible views day and night. Everything you need for supplies, dining, shopping and entertainment is within one to two miles of the house.

Guest favourite
A spacious studio includes a king-sized bed and a comfortable blue sofa. Large glass doors provide scenic views of the Gulf of Mexico from the private balcony. Soft lighting from table lamps creates a cozy atmosphere, while a ceiling fan adds comfort.
Condo in Long Beach
4.88 out of 5 average rating, 154 reviews

BeachFront-5 Pools, Starbucks, Movies@Majestic-909

Majestic Beach Resort Tower 1, Studio, 9th Floor! Welcome to your Gulf-Front paradise! With outdoor and indoor pools, hot tubs, and 650 ft. of shoreline! So much to enjoy, all within the resort! Starbucks, H2O Bar & Grill, Market & Gift Shop, a movie theater and so much more! This studio condo sleeps 3. King size bed, and rollaway single cot bed. Smart TV, Wi-Fi, fully equipped kitchen, private balcony overlooking the Gulf of Mexico!

Top Guest favourite
A vibrant mural features a cheerful pineapple wearing sunglasses, accompanied by a refreshing drink adorned with an umbrella and a lime. The background depicts a gradient of blue, evoking a seaside atmosphere.
Home in Callaway
4.89 out of 5 average rating, 108 reviews

Pineapple Paradise By The Bay

THEMED HOUSE! Enjoy a relaxing experience at 3 bedroom, 2 bathrooms, house, with a game room and pond in the backyard with your very own ducks. We have turned this into a fun, fancy, fantastic experience. From the jungle to the bottom of Davey Jones Locker where the pirates & mermaids are. We are 15 minutes from Mexico Beach & 30 from pcb. Queen pullout couch and twin mattress and two child cots. Minutes from stores.

Guest favourite
Guesthouse in Panama City
4.88 out of 5 average rating, 207 reviews

"Bliss On The Bay" Guesthouse W/Kitchen

Keep it simple at this peaceful and centrally-located place. We are on the water bring your boat keep it at the dock and only 15 minutes from Shell Island. The entire studio apartment is just minutes from Historic downtown Panama City and St. Andrews Bay where there's local restaurants Hunts Oyster Bar, Uncle Ernie's , Alice's on Bayview and Captains Table .Also inquire about monthly rates.

Guest favourite
A view between two cottages features a bright sun reflecting off the calm ocean water. The sky exhibits soft wispy clouds, creating a serene backdrop for this beachside scene.
Home in Lower Grand Lagoon
4.94 out of 5 average rating, 109 reviews

Aqua-Holic Beach Cottage Directly on the Beach!

This nostalgic 1 bedroom beach front cottage overlooks the white sugar sand beaches. Private parking is right in front of the house, and you can enjoy one level throughout. For additional guests, we have a separate listing that can be booked which accommodates 6. This house is on same lot. Search: "Aqua-Holic Beach Front House"

Popular amenities for Panama City waterfront rentals

When is the best time to visit Panama City?

MonthJanFebMarAprMayJuneJulyAugSeptOctNovDec
Avg. price$158 AUD$168 AUD$181 AUD$186 AUD$201 AUD$218 AUD$229 AUD$180 AUD$168 AUD$174 AUD$155 AUD$154 AUD
Avg. temp12°C14°C17°C20°C24°C27°C28°C28°C26°C22°C17°C14°C

Quick stats about waterfront rentals in Panama City

  • Total holiday rentals

    Explore 90 holiday rentals in Panama City

  • Nightly prices starting at

    Panama City holiday rentals start at $28 AUD per night before taxes and fees

  • Verified guest reviews

    Over 5,180 verified reviews to help you choose

  • Family-friendly holiday rentals

    60 properties offer extra space and kid-friendly amenities

  • Pet-friendly accommodation

    Find 30 rentals that welcome pets

  • Holiday rentals with a pool

    40 properties feature pools

  • Rentals with dedicated workspaces

    40 properties have a dedicated workspace

  • Wi-Fi availability

    90 of Panama City holiday rentals include Wi-Fi access

  • Popular amenities for guests

    Guests love Kitchen, Wifi and Pool across Panama City rentals

  • 4.9 Average rating

    Panama City stays are highly rated by guests—averaging 4.9 out of 5!

Destinations to explore

  1. Airbnb
  2. United States
  3. Florida
  4. Bay County
  5. Panama City
  6. Waterfront rentals