county
Panama City Beach is the heart of it, and Bay County is the wider home around it: Panama City, Lynn Haven, Mexico Beach, Callaway, Parker, Springfield, and the unincorporated communities locals know by name.

Panama City Beach, Laguna Beach through Grand Lagoon.

St. Andrews and the working water behind Panama City.

Its own city, north of the bay.

A small Gulf city east of the bay, still in Bay County.
The home county: beach, bay, and the towns in between.
Bay County holds Panama City Beach, Panama City, Lynn Haven, Mexico Beach, and Callaway. Panama City, on the bay, is the county seat; Panama City Beach is the Gulf city; and the Hathaway Bridge connects them.
Bay County, Northwest Florida
175,216 · 2020 Census · U.S. Census, via the News Herald county count