Cheap Hotels in Panama City Beach FL: 10 Affordable Stays

This scenic stretch along the Gulf of Mexico is famous for its 27 miles of soft beaches, top-notch seafood joints, thrilling attractions, and warm hospitality. If you’ve been daydreaming about a quick budget-friendly getaway, you’ve come to the right place. We’ve crafted this list of cheap hotels in Panama City Beach FL so you can kick back and relax without worrying about hitting your credit card limit.

Whether you’re a sun-worshipper who wants immediate beach access, a family in need of extra space (and entertainment!), or simply a solo traveler looking for a quick escape, there’s a cheap hotel in Panama City Beach FL that’ll fit your must-haves. Even if you’re traveling through Florida on a grand Sunshine State road trip and want to keep costs down, you can find surprisingly affordable lodging options near all the highlights—like the beloved Pier Park, countless golf courses, and all the buzzing nightlife.

In this list, we’ll spotlight 12 fantastic finds for cheap hotels in Panama City Beach, featuring the perks you crave—think comfy beds, central locations, free breakfasts, or downright classic beach vibes. And because we know you’re eager to get the best deal, we’ll also let you in on how to snag a bargain by booking a hotel through Tripster.

It’s time to plan your days filled with sandcastle building, fresh seafood, and spectacular sunsets over the Gulf. Ready to discover your ideal stay? Let’s dive in!

Top Cheap Hotel Rooms in Panama City Beach

1. Sunset Inn: For travelers on the lookout for a cozy, inviting stay that nails that “classic Florida motel” experience, Sunset Inn at 8109 Surf Dr, Panama City, FL 32408 should be your next pick. This establishment has been around for years and has earned a loyal following of repeat guests who come back season after season. It’s one of those cheap hotels in Panama where families feel like they’re part of one big extended clan.

You’ll find no-frills lodging here, but that’s exactly the charm. Expect brightly painted walls, clean tile floors, and comfortable beds. Some of the larger rooms even come with kitchenettes, allowing you to whip up quick breakfasts or lunches before dashing out to the water. Because it’s a smaller property, the staff knows their guests on a first-name basis, greeting you with warm smiles and helpful local advice every morning.

Early risers will love catching the sunrise from the beach—after all, it’s only a short walk away. The motel also provides a small pool for a refreshing swim if you need a break from the salty waves.

When you’re in the mood to explore, you’re minutes from the bustling coast. Pier Park is a must-see, packed with dining, shopping, and entertainment options. And if you’re eager to polish your putting skills, local golf courses are scattered around the area

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One of the biggest draws of Sunset Shore Motel is its ability to provide comfortable lodging at a fraction of the cost of more lavish beachfront resorts. It’s a favorite among folks visiting Panama City Beach who want to make the most of their trip budget. If you want a true seaside vibe without splurging, give Sunset Shore Motel a serious look.

2. Beachside Bliss: Nestled right on the sandy shores, Beachside Bliss at 9900 S Thomas Dr, Panama City Beach, FL 32408 checks off all the must-haves for a true Gulf Coast beach getaway. If your main priority is to wake up to salty sea breezes and shuffle your toes through the sand in seconds, you’ll appreciate the unbeatable location of this cheap beachfront hotel in Panama City Beach. A bit smaller and quainter than the sprawling resorts, this inn exudes a friendly, intimate vibe that makes you feel at home as soon as you step inside.

Think classic Floridian style: pastel walls, tropical-inspired décor, comfy beds, and small touches like mini-fridges for storing your favorite snacks. Many rooms boast partial or direct ocean views, ensuring you never forget how close you are to the waves. While rooms here might not be huge, they’re clean, cozy, and perfect for a couple or small family looking for cheap hotel rooms in Panama City Beach without sacrificing that prime waterfront location.

Though the property might be on the smaller side, it comes with perks like a modest outdoor pool for an afternoon dip (if you can pry yourself from the beach!). Friendly front-desk staff are always ready with local tips on the best spots to dine or snorkel. And if you’re feeling adventurous, they can connect you with local tours for parasailing or jet-skiing

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Beachside Bliss Inn is about a 10- to 15-minute drive from popular attractions such as Pier Park—a shopper’s paradise and entertainment hub full of restaurants, boutiques, and sweet treats. You’re also an easy distance from local golf courses if you’d rather spend your day perfecting your swing. If you’re looking for cheap hotels in Panama City Beach that don’t compromise on location, this one is a sure bet

3. Sandpiper’s Budget Retreat: Say hello to Sandpiper’s Budget Retreat at 122 Grande Island Blvd, Panama City Beach, FL 32407, an excellent spot for those seeking cheap hotels in Panama City Beach with a relaxed, unpretentious atmosphere.

Whether you’re traveling solo, as a couple, or with a small group, Sandpiper’s has you covered with a variety of room types. It’s located near some of the lesser-known gems of the city, so if you’re keen to discover a quieter side to the tourist hotspots, you’ll find this location just right.

There’s a reason “Budget” is in the name. Don’t expect huge pools with water slides or a spa. Instead, you’ll enjoy a clean, practical place to crash after your day in the sun, plus a small outdoor pool for a quick dip. But if all you really need is a comfy bed, a well-kept bathroom, and a staff that treats you like family, Sandpiper’s Budget Retreat delivers in spades.

From here, you can quickly get to the beach, which is about a five-minute walk away—perfect for sneaking in a morning jog or setting up your beach towel before the crowds arrive. A short drive lands you in the thick of Panama City Beach’s major attractions.

If you’re visiting Panama City Beach with an appetite, you’ll love the nearby fish shacks and diners serving local grouper sandwiches and fresh oysters. For more upscale bites, head to the waterfront restaurants near Pier Park. When it comes to cheap hotel rooms in Panama City Beach, it’s hard to beat the warm welcome and simple comforts here.

4. Oceanside Breeze Beach House: Oceanside Breeze Beach House at 114 Southfields Rd, Panama City Beach, FL 32413 strikes the perfect balance for those wanting a comfortable but still cheap hotel in Panama City Beach FL. Located within walking distance of the shimmering Gulf waters, this property offers an easygoing environment with plenty of opportunities to soak up that classic Florida sunshine.

Rooms at Oceanside Breeze are thoughtfully furnished with crisp linens, cozy pillows, and the must-have amenity: air conditioning strong enough to battle the Florida heat. Some rooms feature balconies, which make perfect perches for sipping your morning coffee while gazing out over the bustling beach scene. And with a variety of room sizes, from singles to family suites, you can find a setup that meets your space needs and budget.

If you’re taking a day off from the beach (or happen to run into some of Florida’s infamous afternoon showers), Oceanside Breeze has a modest game room. Kids can knock themselves out with arcade games while you enjoy a little downtime. The hotel also includes a small gym area—handy if you want to keep your workout routine on track. Plus, the staff are brimming with local knowledge, ready to guide you to the best beach bars or hidden nature trails.

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Golf enthusiasts will appreciate how close Oceanside Breeze is to several golf courses in the area. After all, nothing beats early morning tee times followed by an afternoon siesta on the beach.

In addition, shopping and dining are just minutes away, including the hub of Pier Park. For a wallet-friendly lodging experience that doesn’t compromise on comfort, Oceanside Breeze checks all the boxes for cheap hotels in Panama City Beach.

5. The Palms Townhouse: Want to feel like you’re on a tropical escape without shelling out for a five-star price tag? The Palms Townhouse at 17848 Front Beach Rd, Panama City Beach, FL 32413 has your back. With towering palm trees framing its entrance and breezy open spaces, this property injects a sense of vacation mode right from the get-go.

While rooms are relatively basic, they’re spacious and thoughtfully laid out for families. Kitchenettes come standard, making it easy to prep simple meals and save on dining costs. The décor is casual, featuring seaside artwork and comfortable furnishings—more practical than showy. It’s an ideal option if you’re searching for a cheap hotel in Panama City Beach FL that provides a little extra elbow room.

The main attraction is the central courtyard pool, perfect for splashing around with the kids or lounging on a float. Because The Palms is a smaller property, you won’t be battling crowds to stake out a sun chair. There’s also a barbecue area for families who love cooking out. Perfectly grilled burgers plus a Florida sunset? Doesn’t get much better than that.

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The Palms Budget Resort sits a short drive from the heart of Panama City Beach. While you won’t be directly on the water, you can still make it to the shoreline with a quick walk. Nearby, you’ll find everything from local diners to major grocery stores for stocking your kitchenette fridge. And if a shopping spree is on the menu, Pier Park is close by, jam-packed with stores and eateries. For no-frills comfort among cheap hotels in Panama City Beach, The Palms Budget Resort is a sure contender.

6. Econo Lodge: Sometimes, you want a simple place to unwind after a day of sun, surf, and sand. Gulfside Economy Lodge at 4411 US-98, Panama City, FL 32401 is that dependable, easy-going spot for travelers looking for cheap hotels in Panama City. Located just off one of the main drags, it offers convenient access to both the city and beach hotspots.

If you’re a budget-conscious traveler, this lodge delivers big on value. Single rooms are cozy for solo adventurers, while double queen setups cater nicely to groups or families. While you won’t find upscale bells and whistles, what you do get is a clean space and rates that leave plenty of wiggle room in your vacation funds. It’s especially beloved by retirees who want extended stays in Panama City, given the property’s discounted weekly rates.

From Econo Lodge, you’re a short drive from the best Panama City Beach has to offer: water sports, mouthwatering seafood, family-friendly parks, and more. Hop over to a local seafood shack to sample fried grouper or hush puppies. Then, stroll by the water at sunset to cap off the evening.

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Pro tip: If you fancy a round of golf, you’re never more than a few miles away from local golf courses. If an affordable, no-stress stay is what you’re after, Gulfside Economy Lodge definitely deserves a spot on your radar. The money you save here can go toward snorkeling excursions or that big dinner out on the town—exactly what you want when scouting out cheap hotels in Panama City Beach FL.

7. Emerald Beach Resort Condo Rentals: If you crave a bit more space than the usual hotel room offers, Emerald Beach at 14698 Front Beach Rd, Panama City Beach, FL 32413 will pique your interest. Targeting both short- and long-term guests, it provides suites equipped with living areas and small kitchens—a fantastic way to stretch your travel dollar when you can cook some of your own meals.

For families or groups of friends, a condo can be a game-changer. You can spread out across multiple sleeping areas, whip up quick breakfasts or snack breaks, and lounge on the couch in between beach runs. If you’re scoping out cheap hotel rooms in Panama City Beach but need more than a single bedroom, these suites may be a smart pick.

Emerald Sun Budget Suites features a modest fitness center and a simple pool area—perfect for those times you don’t want to trek to the beach. And while it might not have the extravagant amenities of a resort, the property invests in the basics: cleanliness, maintenance, and friendly service.

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With the money you save on accommodations, you can explore everything else that makes visiting Panama City Beach so exciting. Whether it’s a boat tour around Shell Island, a lively night at the bars near Pier Park, or a lazy day under an umbrella on the sand, you’ll have a flexible home base to return to.

Plus, golf lovers will rejoice at the variety of golf courses surrounding the area. Emerald Sun Budget Suites merges value with comfort, making it one of the top contenders among cheap beachfront hotels in Panama City Beach—though it’s worth noting you may need to walk or drive a bit to hit the actual beach.

8. Comfort Inn & Suites: If you prefer a recognizable brand for your stays in Panama City, Comfort Inn & Suites at 17701 Panama City Beach Pkwy, Panama City Beach, FL 32413 might be your sweet spot. Part of a national chain, this hotel offers predictable comforts—soft beds, free morning coffee, and a 24-hour front desk. You get the best of both worlds: convenience and affordability.

Expect plush beds, neutral décor, and spacious desks for those blending work and play. Each room comes equipped with Wi-Fi, cable TV, and climate control, which definitely helps when the sun is blazing. If you’re an early bird, take advantage of the complimentary breakfast spread—usually including waffles, cereals, pastries, and fresh fruit.

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Comfort Inn & Suites may not be steps from the water, but it does feature a pool for a cooling dip. Business travelers will appreciate the on-site business center for quick printing jobs or a quiet place to take calls. Laundry facilities are also available, a big plus if you’re in town for a longer stint or traveling with kids who are constantly splashing around in the waves.

From here, it’s a short jaunt to Pier Park, the mecca for local entertainment, dining, and shopping. Want to try some top-tier seafood? The area’s local haunts serve everything from grouper to shrimp tacos. Or take a day trip to explore local parks, nature preserves, or the famed golf courses dotted around the city. With consistently reliable service and wallet-friendly rates, Comfort Inn & Suites sits comfortably on our list of cheap hotels in Panama City Beach FL.

9. Sun-N-Sands Motel: For backpackers, students, or adventurous souls who enjoy meeting fellow travelers, Sun-N-Sands at 17784 Front Beach Rd #1993, Panama City Beach, FL 32413 provides a unique, community-oriented vibe. Hostel-like motels aren’t as widespread in the U.S. as in other parts of the world, making Sunny Sands a refreshing find for anyone scouring the market for cheap hotels in Panama City Beach—though technically, it’s more hostel than hotel.

Sunny Sands offers a handful of private rooms for those wanting a bit more privacy. The shared kitchen is a big draw—cook up group meals, save on dining expenses, and chat with new friends from around the globe.

You’ll find common areas complete with comfy couches and an outdoor pool. The staff frequently organizes group outings—think sunset beach yoga, pub crawls, or day trips to local springs.

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The hostel’s central location means easy access to public transportation or rideshares. You can pop over to local attractions like Pier Park or plan a day on one of the many golf courses if you’re so inclined. Because of the nightly rates, Sunny Sands is definitely among the best finds for travelers seeking a cheap hotel in Panama City Beach FL—especially those who value making friends and memories along the way.

10. Coral Reef Condominium Rentals: Rounding out our list is Coral Reef at 6609 Thomas Dr, Panama City, FL 32408, a charming property that pulls off that tropical vibe without sky-high rates. Coral Waves Lodge is one of those hidden gems that suit families, couples, and even solo adventurers looking for that classic Florida holiday.

Rooms vary from singles to large family units, many decked out in breezy coastal colors and comfortable linens. The condo management team prides itself on maintaining clean spaces. You won’t find extravagance here, but you’ll get everything you need to make your stay pleasant and worry-free.

Coral Reef features two huge outdoor pools and a patio area dotted with lounge chairs—ideal for basking in the sun when you don’t feel like hauling gear down to the beach. They also have an on-site gym and a small movie room. If you’re committed to booking a hotel in a prime location with bargain-friendly rates, Coral Reef deserves a top spot in your search for cheap hotels in Panama City Beach.

Making the Most of Your Trip

To get the most bang for your buck, consider traveling during off-peak seasons—typically late fall or early spring. You’ll find fewer crowds, milder temperatures, and often lower rates on cheap hotels in Panama City Beach. Whenever you go, though, factor in a few must-dos:

Hit the Beach at Sunrise: Beat the crowds, snag the best shore spot, and watch the sky morph into stunning pinks and oranges. It’s an experience well worth waking up early for.

Explore Pier Park: Even if you’re a frugal traveler, strolling through Pier Park doesn’t cost a dime. You can window-shop, people-watch, and save up for a special treat at one of the restaurants.

Try a Golf Course: Even if you’re not a pro golfer, consider booking a tee time at one of the many golf courses in the area. Florida’s coastal breezes and year-round sun create a prime environment for newbies and seasoned players alike.

Sample Local Seafood: Fresh grouper, shrimp, oysters—Panama City Beach is a playground for seafood lovers. Plan at least one special meal at the best seafood restaurants in Panama City Beach where you can savor the Gulf’s bounty.

Book Experiences in Advance: If you’re planning on a deep-sea fishing charter, a dolphin cruise, or a parasailing adventure, booking in advance can help you lock in lower prices and secure spots during peak times.

Why Use Tripster for Your Panama City Beach Getaway?

Exclusive Deals & Packages: Rather than juggling multiple websites for hotel bookings and attraction passes, Tripster consolidates everything under one roof. You’ll find discounted packages that encompass your lodging, from cheap beachfront hotels in Panama City Beach to cozy budget suites, plus the local experiences you’re excited about—like dolphin tours or sunset cruises.

User-Friendly Interface: Tripster’s intuitive platform makes it easy to compare rates, read genuine guest reviews, and select the perfect property from the many cheap hotel rooms in Panama City Beach. Whether you’re traveling solo, with a partner, or with a full-on family, you can tailor your search to exactly what you need—pet-friendly rooms, kid-friendly facilities, or properties close to the city’s action.

Secure Bookings & Peace of Mind: Nothing spoils a vacation faster than shady reservation practices. Tripster ensures safe and secure transactions, so you can rest easy knowing your personal details are protected. Plus, if any last-minute changes pop up, their support team is on hand to smooth out hiccups.

Ready to Book?

Your dream beach vacation shouldn’t break the bank. Now that you’ve seen our top picks for cheap hotels in Panama City Beach FL, the next step is turning your daydream into reality.

Let Tripster be your ultimate travel companion: from lodging to excursions, streamline every step of the process so you can shift your focus to savoring sun-drenched relaxation, exploring local hotspots, and enjoying good times with friends or family.

Booking a hotel in Panama City Beach has never been easier—especially when you can pair it with exclusive savings on top attractions. Picture your toes in the sand, the laughter of kids building sandcastles, or the sizzle of fresh shrimp on your plate. Paradise can be both unforgettable and easy on the wallet.

So what are you waiting for? Grab your sunglasses, find your flip-flops, and get ready to embrace the sunshine. Panama City Beach is calling your name!

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