Upper Grand Lagoon is an unincorporated community in Bay County, FL. It has no city government: the county runs it, and the Census counts it as its own place.

What it's like to live in Upper Grand Lagoon

Upper Grand Lagoon is an unincorporated community in Florida with commutes that run shorter than most cities and schools with class sizes near the national average. Those factors carry real weight for anyone weighing where to move next.

The tradeoffs are worth naming plainly. Upper Grand Lagoon deals with rent well above the national average, air quality that falls short of national benchmarks, a rent burden that leaves many renters stretched thin, and hot summers.

The good

  • Short commutes
  • Average class sizes

The not so good

  • Rent well above the national average
  • Air quality concerns
  • High rent burden for renters
  • Hot summers
  • Very rainy — 61" of rain per year
  • Smaller place — fewer dining and entertainment options

How Upper Grand Lagoon compares

Median household income

Upper Grand Lagoon$82,157
Florida avg$74,568
US$80,734

Median rent (per month)

Upper Grand Lagoon$1,667
Florida avg$1,669
US$1,413

Median home value

Upper Grand Lagoon$373,200
Florida avg$359,000
US$332,700

What it takes to move to Upper Grand Lagoon

Based on Upper Grand Lagoon's median rent, home value and household income

To rent

$3,334

up front: first month plus a typical one-month deposit

  • Income to keep rent under 30%: $66,680 a year
  • 55% of Upper Grand Lagoon renters spend 30% or more of their income on rent

To buy

$74,640

a 20% down payment on the median home

  • With 10% down: $37,320
  • Homes cost 4.5× the typical local household income (US: 4.1×)

Moving costs, closing costs and taxes not included.

The details

Cost of living▲ 18% above US

$1,667/mo median rent

Rent runs on the higher side, at $1,667 a month median. Whether that premium makes sense usually comes down to the local job market and what it pays. Home prices run above average, with a median around $373,200. Buyers should expect to stretch their budget here.

Median home value $373,200 · 55% of renters cost-burdened

Job market

4.0% county unemployment

Unemployment in Bay County is 4.0%, close to the national average of 4.3%. That's the county-wide rate; BLS doesn't measure a place this size on its own.

Bay County (county-wide)

Safety

217 violent crimes per 100k, whole jurisdiction

Upper Grand Lagoon doesn't have its own police department, so there's no crime rate for it alone. The figures shown are for the Bay County Sheriff's Office jurisdiction as a whole, which runs below the national average for violent crime and covers many communities. Individual neighborhoods can differ a lot from that overall rate.

Property crime 804/100k · Policed by Bay County Sheriff's Office (county-wide rate) · 2025 data

Getting around▼ 20% below US

21 min average commute

Commutes are reasonable, averaging 20.8 minutes. Nothing heroic, and there's still time left over for a life after work. 9 in 10 workers drive to work; 11% work from home.

How workers get to work

Drive alone
76%
Work from home
11%
Carpool
9.6%
Other
2.0%
Walk
1.0%

Climate

Summers are hot and humid, with highs regularly hitting 90°F, and winters are mild, with lows rarely dropping below 45°F. It's a wet climate overall.

Average month

High °FLow °FPrecip (in)
30°50°70°90°7.5"Jan: 4.79" precipitationFeb: 4.95" precipitationMar: 5.03" precipitationApr: 4.09" precipitationMay: 3.31" precipitationJun: 5.82" precipitationJul: 7.41" precipitationAug: 7.44" precipitationSep: 6.98" precipitationOct: 3.45" precipitationNov: 3.70" precipitationDec: 4.30" precipitation43°JJan: high 64°F, low 43°FFFeb: high 67°F, low 46°FMMar: high 73°F, low 52°FAApr: high 79°F, low 58°FMMay: high 85°F, low 66°FJJun: high 89°F, low 73°F91°JJul: high 91°F, low 75°FAAug: high 91°F, low 75°FSSep: high 89°F, low 71°FOOct: high 82°F, low 61°FNNov: high 73°F, low 50°FDDec: high 67°F, low 45°F

30-year averages, 1991–2020

Education & workforceNear US average

37% bachelor's degree or higher

Education levels run about average, with 37% college-educated. It's a mix of white-collar and blue-collar work, which can be an asset or a limitation depending on the field.

Schools

1 public school inside the boundary

There is 1 public school inside the boundary. The student-to-teacher ratio is 16:1, close to the national average of 16:1.

Parks & recreation

The nearest national park or historic site is Gulf Islands National Seashore (89 miles away).

Bottom line

Upper Grand Lagoon's strongest point is commutes that run shorter than most cities; the main tradeoffs are rent well above the national average and air quality that falls short of national benchmarks. A year of median rent ($1,667/mo) equals 24% of the median household income here, more than the 21% typical nationwide. It tends to suit people who want short commutes.

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