© OpenMapTiles © OpenStreetMap
Living in
Callaway.
About
Life in Callaway
Callaway is a community of 13,297 people in Florida. The median household income is $65,609, median rent runs about $1,319 per month, and median home values are around $250,300. Unemployment is low at 4.0%, suggesting a relatively healthy local job market.
Callaway at a Glance
Population, income, housing and more
Median Age
35.2 yrs
Poverty Rate
9.6%
Foreign-Born
9.4%
Broadband Internet
96.0%
of households
Population Growth
+10.0%
recent change · Census Bureau
Median household income
Demographics9.4% foreign-born, most often from Panama
Who lives in Callaway: race and ethnicity, ages, households, languages and countries of origin
In Callaway, the largest foreign-born group is from Panama (14.3%), and 7.8% of residents speak Spanish at home.
Under 18
23.8%
of residents
65 and Older
11.9%
of residents
Households with Kids
30.8%
anyone under 18
Living Alone
28.9%
of households
Married Couples
39.1%
of households
Avg Household Size
2.45
people
Race & Ethnicity
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
Cost of Livingrent 21% below FL average
Rent, home values, and income in Callaway
In Callaway, rent runs 21% below the FL average, and home values are 30% below the FL average.
Median rent (per month)
Median home value
Rent Burdened
58.6%
spending 30%+ of income on rent
Severely Rent Burdened
27.1%
spending 50%+
Cost of Living Index
97.3
metro area (BEA) · US avg = 100
Median Property Tax
$1,250
per year, owner-occupied homes
Homeowners
58.7%
of occupied homes are owned
Typical Home Built
1991
median year built
Vacant Homes
11.1%
of housing units
Home Value Trend
Latest: $259,578 (September 2026)
Jobs & Economyunemployment about average for FL
Unemployment in Callaway
Unemployment in Bay County, which includes Callaway, is close to the FL average.
Unemployment rate
Callaway: Bay County rate (county-wide) · BLS annual average
Unemployment Rate — 10 Year Trend
Bay County (county-wide) · Annual averages
What Callaway Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Commute23.9 min avg
How Callaway residents get to work, and the nearest airports
In Callaway, most residents drive alone to work (80%), and 65% get there in under 30 minutes.
How People Get to Work
Commute Time Distribution
Nearest airports · with airline service
- 19 mi
Northwest Florida Beaches International Airport (ECP)
Small hub947k passengers boarded in 2025
Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.
Safetyviolent crime 34% below national average
Crime rates for 2025
Violent crime in the area policed by the Bay County Sheriff's Office, which covers Callaway, runs 34% below the national average.
Violent Crime Rate
217.3
per 100,000 residents
Below average (329 national, 2025)
Property Crime Rate
804.4
per 100,000 residents
Below average (1,552 national, 2025)
Policed by Bay County Sheriff's Office (county-wide rate)
Natural DisastersThunderstorm Wind most common — 16 events in 2025
Natural hazard risk, storms and earthquakes
FEMA National Risk Index
Relatively Moderate
94.1 / 100
Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).
Bay County, county-wide · FEMA NRI December 2025
In Bay County, which includes Callaway, the most common type is thunderstorm wind, with 16 recorded events in 2025.
Most common events:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 16 | Thunderstorm Wind | $640,000 |
| 2024 | 20 | Thunderstorm Wind | $20.5M |
| 2023 | 22 | Thunderstorm Wind | $247,000 |
| 2022 | 24 | Thunderstorm Wind | $747,000 |
| 2021 | 26 | Thunderstorm Wind | $1.8M |
| 2020 | 11 | Flash Flood | $1.1M |
| 2019 | 16 | Rip Current | $45,000 |
| 2018 | 25 | Thunderstorm Wind | $6900.0M |
Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.
0 earthquakes of magnitude 2.5+ within 100 miles in the past year
Bay County, county-wide
Air Quality44 median AQI — Good
Days by air quality category (2025)
Air quality in Bay County, which includes Callaway, is typically good — 239 good-air days per year.
Median AQI
44
Good Days
239
per year
Moderate Days
121
per year
Unhealthy Days
0
per year
Bay County, county-wide
Climate90°F summers, 45°F winters
30-year climate averages (1991–2020) — monthly temperatures and precipitation
Callaway has hot summers (avg high 90°F) and mild winters (avg low 45°F).
Spring (Mar–May)
79°/58°F
avg high / low
Summer (Jun–Aug)
90°/74°F
avg high / low
Fall (Sep–Nov)
82°/61°F
avg high / low
Winter (Dec–Feb)
66°/45°F
avg high / low
Annual Precipitation
69.1"
Annual Snowfall
0.0"
Hot Days/Year
69
days above 90°F
Freeze Days/Year
9
days below 32°F
Rainy Days/Year
100
Average month
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 64°F | 43°F | 4.79" |
| Feb | 67°F | 46°F | 4.95" |
| Mar | 73°F | 52°F | 5.03" |
| Apr | 79°F | 58°F | 4.09" |
| May | 85°F | 66°F | 3.31" |
| Jun | 89°F | 73°F | 5.82" |
| Jul | 91°F | 75°F | 7.41" |
| Aug | 91°F | 75°F | 7.44" |
| Sep | 89°F | 71°F | 6.98" |
| Oct | 82°F | 61°F | 3.45" |
| Nov | 73°F | 50°F | 3.70" |
| Dec | 67°F | 45°F | 4.30" |
Healthcare
Hospitals, ratings, and health insurance in Callaway
Uninsured
12.9%
of residents
No hospitals inside Callaway's limits — nearest hospitals · within 15 miles
Ascension Sacred Heart Bay
Acute Care Hospitals · ER available · 5.6 mi away · Panama City
Emerald Coast Behavioral Hospital
Psychiatric · 7 mi away · Panama City
HCA Florida Gulf Coast Hospital
Acute Care Hospitals · ER available · 7.6 mi away · Panama City
Adult Health · vs. the typical US place
Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.
Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs.
Education16.8:1 student/teacher ratio
Schools and degree attainment in Callaway
Callaway's student/teacher ratio is 16.8:1 (higher than the national average of 16:1), and 24.6% of adults 25+ hold a bachelor's degree or higher.
Public Schools
1
within city limits
Private Schools
0
within city limits
College Degree Rate
24.6%
adults 25+ with bachelor's or higher
Student/Teacher Ratio
16.8:1
National avg 16:1
Schools located within city limits (2023) — school-level metrics change slowly year to year
Colleges Near Callaway (within 15 miles)
Public · 2-year · 3,934 students · in-state tuition $2,370 · 38% graduate · median earnings $43,513 (10 yrs after entry)
Degree-granting colleges with 100+ students, placed by campus location (main campuses only — branch campuses are reported under their parent school)
Parks & Recreation
Nearby national parks, recreation areas and public libraries for Callaway
Data not yet available
Cities Near Callaway
The closest cities within 60 miles
Planning a move to Callaway?
Read our full moving guide — what it's really like to live here.
Callaway FAQ
Is Callaway, Florida affordable?⌄
Callaway's median rent is $1,322/month, which is close to the national average. The median household income is $65,609/year. Median home value is $250,300.
Is Callaway, Florida safe?⌄
Callaway is policed by the Bay County Sheriff's Office, whose violent crime rate across its service area was 217 per 100,000 residents in 2025, which is below the national average of 329/100k that year. Property crime rate is 804 per 100,000. As with any city, crime rates vary by neighborhood.
What is the job market like in Callaway, Florida?⌄
Bay County, which includes Callaway, has an unemployment rate of 4.0%, which is close to the national average of 4.3%.
What is the cost of living in Callaway, Florida?⌄
The cost of living in Callaway is primarily driven by housing. Median rent is $1,322/month and median household income is $65,609/year. The median home value is $250,300. About 59% of renters spend more than 30% of their income on housing.
How is the commute in Callaway, Florida?⌄
The average commute in Callaway is 24 minutes, which is about average compared to the national average of 26 minutes.
Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from