Panama City Beach Water Temperature
Sea-surface temperature at Panama City Beach, Florida · times in CDT
Updated 3:00 AM CDT
How it compares today
Water temperature through the year
Monthly normals computed from 2023–2025 daily sea-surface temperature history.
Nearby water right now
7-day outlook
| Day | Air high / low | Max UV | Rain |
|---|---|---|---|
| Tue, Oct 13 | 82° / 64° | 7 | 0% |
| Wed, Oct 14 | 84° / 68° | 7 | 0% |
| Thu, Oct 15 | 84° / 71° | 6 | 0% |
| Fri, Oct 16 | 86° / 73° | 6 | 2% |
| Sat, Oct 17 | 81° / 66° | 6 | 2% |
| Sun, Oct 18 | 75° / 64° | 5 | 2% |
| Mon, Oct 19 | 84° / 68° | 6 | 5% |
Sea-surface temperature and wave data from the Open-Meteo marine model; weather from Open-Meteo.
Is Panama City Beach warm enough to swim?
At 81°F, the water at Panama City Beach is warm — great for swimming. Most swimmers are comfortable without a wetsuit above 72°F; below 62°F, cold-water shock becomes a real risk for unprotected swimmers.
That is 2° above the October average of 79°F here.
The water averages above 70°F in April, May, June, July, August, September, October and November — 8 months of the year — peaking around 88°F in August and dropping to about 60°F in January.
Frequently asked questions
How warm is the water at Panama City Beach right now?
The sea-surface temperature is about 81°F. That is 2° above the October average of 79°F here.
When is the water warm enough to swim at Panama City Beach?
The water averages above 70°F in April, May, June, July, August, September, October and November — 8 months of the year — peaking around 88°F in August and dropping to about 60°F in January.
What is the warmest the water gets at Panama City Beach?
Around 88°F in August, based on 2023–2025 records. The coolest month is January at roughly 60°F.