Plumbers in the Panama City area earn a median of $47,800 a year, 22% below the typical U.S. metro. That ranks #372 of 387 metros for plumbers nationwide.
Within driving distance, the same work pays more in Crestview and Dothan, but less in Albany.
It's one of 22 Florida metros with published pay for this trade; see plumber pay in Florida.
Plumber pay in Panama City at a glance
- Plumbers in the Panama City, FL metro earn a median $47,800 a year ($22.98 an hour), #372 of 387 U.S. metros (BLS, May 2025).
- The middle 80% earn between $32,000 and $69,700.
- After local prices, that median buys what $49,128 would in a typical U.S. place (BEA, 2024).
- A typical 1-bedroom rents for $1,449 a month, 36% of the median pay (HUD, FY2027).
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What this means Our calculation
Pay for plumbers here is in the bottom 20% of U.S. metros, and also in the bottom 20% once local prices are factored in. For the wider job market, unemployment is about the same as in most metros (4.0%) and the population is growing faster than most (+15.7% since 2020). On your own, you'd join about 131 one-person plumbing & HVAC contracting businesses averaging $51,229 in revenue, and you'd need to bill roughly $64/hour to match the median salary (at our default assumptions).
Panama City scorecard for plumbers Our calculation
Grades compare Panama City with every other U.S. metro for this trade (A = top 20%).
Pay Government data
Pay range
Shaded: the middle half of workers. Grey line: typical U.S. metro ($61,430).
Pay over time
The median pay for plumbers in the Panama City area went from $40,770 in 2020 to $47,800 in 2025, up 17.2%. Prices rose 25% over the same period, so after inflation that's -6.5% — a real pay cut.
BLS OEWS, May 2020–May 2025; inflation: CPI-U (May to May). Year-to-year changes can include survey noise.
Compared with nearby metros
What the pay is really worth in Panama City Our calculation
Prices in Panama City run 3% below the U.S. average. Adjusted for that, a median paycheck here buys what $49,128 would in a typical place, ranking #383 of 383 on real pay.
Real pay or rent burden?
Real pay already accounts for housing, because the price index includes rent. Rent burden shows what share of pay a typical 1-bedroom takes. Use either one, not both together.
Want the full picture? Build a cost-of-living budget for Panama City from this pay, local rent and prices.
What plumbers do
Assemble, install, alter, and repair pipelines or pipe systems that carry water, steam, air, or other liquids or gases. May install heating and cooling equipment and mechanical control systems. Includes sprinkler fitters.
Most important day-to-day tasks
- Shut off steam, water, or other gases or liquids from pipe sections, using valve keys or wrenches.
- Install underground storm, sanitary, or water piping systems, extending piping as needed to connect fixtures and plumbing.
- Assemble pipe sections, tubing, or fittings, using couplings, clamps, screws, bolts, cement, plastic solvent, caulking, or soldering, brazing, or welding equipment.
- Locate and mark the position of pipe installations, connections, passage holes, or fixtures in structures, using measuring instruments such as rulers or levels.
- Cut, thread, or hammer pipes to specifications, using tools such as saws, cutting torches, pipe threaders, or pipe benders.
Outlook & getting started
Nationally, plumber jobs are projected to grow 6.8% from 2025 to 2035 (all jobs: 3.5%), with about 42,000 openings a year. About 8% are self-employed.
What the work is like Government data
How often plumbers deal with each condition, from surveys of workers in the job.
Getting started usually takes medium preparation (vocational training or an apprenticeship, often 1–2+ years).
O*NET 31.0 Work Context and Job Zones (U.S. Department of Labor), national.
Getting started: registered apprenticeship Government data
Most plumbers train through a paid apprenticeship: you work and earn under experienced pros while taking classes, and pay usually rises as you progress. 727,586 people were active registered apprentices nationwide in FY2026, up 87% since FY2016, and construction is the largest field with 290,043 of them (40%), according to the U.S. Department of Labor.
Search apprenticeship openings near Panama City ↗Find training programs & sponsors ↗
Official U.S. Department of Labor tools at Apprenticeship.gov. Counts: DOL Apprentices by State dashboard, FY2026 (all occupations).
Licensing in Florida Official source
The main state licensing office in Florida is the Florida Department of Business and Professional Regulation. Construction and electrical contractor boards. It can point you to the right license for plumbers.
Official Florida licensing site ↗
Requirements for plumbers vary by state and sometimes by city; always confirm with the official agency.
On-the-job safety Government data
Nationally, plumbers have 144 injuries or illnesses serious enough to miss work per 10,000 full-time workers, 1.7× the rate for all jobs (87). The most common cause is being struck by or caught in objects and equipment.
BLS Survey of Occupational Injuries and Illnesses, 2023–2024 (national, cases with days away from work).
Highest-paying FL metros for plumbers
| Metro | Median | Real pay | Jobs |
|---|---|---|---|
| Palm BayFLORIDA · FL | $59,780 | $59,777 | 940 |
| JacksonvilleFLORIDA · FL | $58,920 | $59,226 | 2,380 |
| North PortFLORIDA · FL | $58,150 | $56,778 | 1,390 |
| NaplesFLORIDA · FL | $57,830 | $56,037 | 810 |
| MiamiFLORIDA · FL | $57,760 | $50,598 | 5,930 |
| SebastianFLORIDA · FL | $55,900 | $56,862 | 210 |
| Punta GordaFLORIDA · FL | $55,490 | $55,200 | 260 |
| OrlandoFLORIDA · FL | $55,380 | $54,606 | 4,040 |
| CrestviewFLORIDA · FL | $52,020 | $53,612 | 370 |
| TampaFLORIDA · FL | $52,000 | $51,541 | 4,180 |
See every metro in Florida.
How much work is there? Government data
Local job market
The Panama City area's unemployment rate was 4.0% in 2025 (all workers, not just plumbers), below the typical U.S. metro's 4.1%. It was 4.1% in 2021.
BLS Local Area Unemployment Statistics, annual averages 2021–2025 (2025 preliminary).
Getting to work
The average commute in the Panama City area is 26 minutes each way, longer than the typical metro (24 min). 16% of commuters spend 45 minutes or more. 76% drive alone, 0% take transit and 10% work from home (all workers, not just trades).
Census American Community Survey, 2024 1-year estimates (table S0801).
Population
The Panama City area's population grew 15.7% from 2020 to 2025 (199,875 → 231,174), ranking #8 of 387 metros for growth (typical metro +2.5%). People moving in (net +31,781) account for more than all of the change.
Census Bureau population estimates, July 1 of each year, 2020–2025.
Homes in Panama City
The Panama City area has about 123,327 homes. 25% were built before 1980 (typical metro 45%), so its housing is newer than most; 22% were built in 2010 or later. 68% of households own their home, and the median home value is $324,900.
Census American Community Survey, 2024 1-year estimates (table DP04).
New construction
New-home permits in Panama City are down 12% from 2021 to 2025 (2,610 → 2,295).
In 2025 the Panama City area approved permits for 2,295 new homes (1,908 single-family), or 10.8 per 1,000 residents, ranking #23 of 393 metros, among the busiest building markets in the country.
Competition
In 2024 the area had 131 one-person businesses (no employees) in plumbing & HVAC contracting, averaging $51,229 a year in revenue before expenses. See how Panama City compares among the best cities to start a plumber business.
They compete with 87 plumbing & HVAC contracting companies that have employees (about 1,098 workers in total). 46% of those companies have fewer than 5 employees.
Licensed contractors
The Panama City area has 88 active plumbing contractor licenses, about 4.2 per 10,000 residents (#7 of 22 Florida metros, where #1 is the most crowded). That's the competition you'd face bidding your own jobs.
Florida Department of Business and Professional Regulation, licensee files, October 2026. Counted by the county in each license's address.
Working outdoors in Panama City Government data
In an average year, Panama City has 67 days at 90°F or hotter (more than most metros; typical metro 33), 16 nights below freezing (typical 90) and 77 days with a tenth of an inch of rain or more. Summer afternoons average 90°F and winter nights 45°F. That matters for plumbers: heat and freezes shape the working season and the hours.
NOAA U.S. Climate Normals, 1991–2020 averages, Panama City 5N, FL station. Compare cities on outdoor work weather.
Employee vs. working for yourself Your scenario
A model, not a market rate. It shows the break-even rate to match a $47,800 employee salary once you cover what an employer normally pays for (including the employer half of Social Security and Medicare, 7.65%), then adds your profit margin. Change any number.
Break-even rate
With your profit margin
How this calculator works. Weighing a contractor job against a W-2 one? Try the 1099 vs. W-2 comparison. Billable hours are hours you can charge a customer. Driving, quoting, paperwork and slow weeks aren't billable, which is why 1,400 is a common starting point versus 2,080 paid hours as an employee.
Get plumber pricing & estimate templates →Compare Panama City with another city →
Keep exploring
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ToolBest cities for plumbersRank every metro on pay, buying power, rent and jobs.Is a job offer here any good?
ToolCheck an offer in Panama CitySee where it falls among local plumbers, after the commute.Could you afford to live here?
ToolPanama City budgetMonthly take-home, HUD rent and local prices on this pay.About this data
Local to the Panama City metro: pay (BLS, May 2025) and pay over time (2020–2025, CPI-adjusted), prices (BEA, 2024), rent (HUD, FY2027), new construction, housing, population and commuting (Census), unemployment (BLS) and business counts (Census, by industry). National: job outlook and training (BLS projections), injury rates (BLS) and duties (O*NET). Jobs are employment estimates, not open positions; grades rank Panama City against every other metro for plumbers. Every source, year and formula is on our data page.