Panama City Beach Water Temperature
Sea-surface temperature at Panama City Beach, Florida · times in CDT
Updated 6:03 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 |
|---|---|---|---|
| Fri, Aug 28 | 84° / 75° | 8 | 61% |
| Sat, Aug 29 | 82° / 75° | 2 | 58% |
| Sun, Aug 30 | 88° / 72° | 7 | 43% |
| Mon, Aug 31 | 90° / 78° | 8 | 28% |
| Tue, Sep 1 | 92° / 80° | 8 | 30% |
| Wed, Sep 2 | 93° / 79° | 8 | 29% |
| Thu, Sep 3 | 93° / 79° | 8 | 17% |
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 87°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 1° below the August average of 88°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 87°F. That is 1° below the August average of 88°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.