SOC 29-1141

Registered Nurse (RN) Salary in Panama City-Panama City Beach, FL

Data updated · Sources: BLS OEWS May 2025, HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Tax Tables: 2026 Fed + FL
COL Index: 118.31 (+18.3% vs US)
Net Compensation Yield 77.4% Realized
$58,286 / net annual direct deposit
Gross Adjusted $75,310 $36.21/hr
Effective Tax Drag 16.61% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$12,505 $480.97/check
Category 1 of 6

Wage Benchmarking & After-Tax Paycheck Engine

Dynamic statutory tax calculations based on IRS Publication 15-T and state statutory schedules.

$
2,080 annual statutory base hours $36.21 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$4,519/yr)
0% Tax Shield: ~$994/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$6,744
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$4,669
Medicare Hospital Insurance
Statutory 1.45%
-$1,092
Florida Individual Income Tax
State Marginal Bracket
-$0
Net Take-Home Annual Realized
$58,286 ($2,241.77 / check)
Category 2 of 6

Panama City-Panama City Beach, FL Registered Nurse (RN) Wage Distribution

Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) Percentiles & Career Ladders

Your Salary: $75,310
MIDDLE 50% (IQR RANGE) 10th $61.6k 25th $66.0k Median: $75,310 50th (Median) $75.3k 75th $91.5k 90th $96.8k You: $75,310
10th (Entry) $61,640 $29.63/hr
25th (Junior) $65,960 $31.71/hr
50th (Median) $75,310 $36.21/hr
75th (Senior) $91,470 $43.98/hr
90th (Lead/Master) $96,820 $46.55/hr
Career Progression & Licensing Milestones for Registered Nurse (RN) in Panama City-Panama City Beach, FL
1
Staff Nurse (Med-Surg RN)ADN or BSN, passing NCLEX-RN exam, state licensing
$53,655$25.80/hr · 0-2 Years
2
Specialty RN (ICU / ER / OR)BLS/ACLS certifications, critical care nursing experience
$68,709$33.03/hr · 2-5 Years
3
Charge Nurse / Nurse SupervisorClinical leadership, unit patient flow management, staffing oversight
$81,062$38.97/hr · 5-8 Years
4
Nurse Practitioner (MSN/DNP)Master''s/Doctorate in Nursing, advanced prescriptive authority
$99,204$47.69/hr · 7+ Years
Scaled to the Panama City-Panama City Beach, FL medianView National Registered Nurse (RN) Salary Data
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in Panama City-Panama City Beach, FL under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
31% of Net Income
⚠️ Cost-Burdened (Exceeds 30% Rule)
HUD Fair Market Rent (1-Bedroom) $1,517/month Requires minimum annual gross of $60,680
HUD Fair Market Rent (2-Bedroom) $1,651/month Requires minimum annual gross of $66,040
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $26.16/hr
Per adult, 2 working adults + 1 child: $21.73/hr
Category 4 of 6

Hourly Wage to Annual & Overtime Matrix

Translating base hourly pay and 1.5× overtime into net take-home pay based on 2,080 annual work hours in Panama City-Panama City Beach, FL.

Swipe horizontally to inspect full pay schedule
Schedule Total Hours/Wk Gross Annual Est. Taxes Net Take-Home Bi-Weekly Check
Standard (40 hrs)40 hrs$75,310-$12,505$58,286$2,241.77
+5h Overtime/Wk45 hrs$89,431-$16,506$67,559$2,598.43
+10h Overtime/Wk50 hrs$103,551-$20,506$76,832$2,955.08
+15h Overtime/Wk55 hrs$117,672-$24,506$86,105$3,311.74
+20h Overtime/Wk60 hrs$131,793-$28,549$95,336$3,666.79
Category 5 of 6

Interstate MSA Relocation & State Tax Migration Comparator

Calculate required compensation, cost-of-living differences, and annual state/local tax savings between two metropolitan areas.

Equivalent Salary in Austin, TX $83,505 Cost of Living Ratio: 69.6%
Annual State & Local Tax Delta +$8,331/yr Tax savings in Austin-Round Rock-San Marcos, TX
Annual Rent Difference (1BR) -$17,676/yr Based on HUD Fair Market Rents
Net Discretionary Cash Flow Impact

Combining state tax savings and annual rent variance when relocating from San Francisco-Oakland-Fremont, CA to Austin-Round Rock-San Marcos, TX.

+$26,007/year
Category 6 of 6 · Executive Economic Briefing
2026 Fiscal Intelligence

Registered Nurse (RN) in Panama City-Panama City Beach, FL: Compensation & Purchasing Power Briefing (2026)

Estimates compiled from BLS OEWS wages, IRS 2026 withholding rules, HUD Fair Market Rents, and Florida tax codes.

Market Baseline
$75,310/yr
$36.21/hr · SOC 29-1141
Statutory Tax Drag
16.61% Effective
-$12,505 in Total Taxes
HUD 1BR Shelter Ratio
31% Net Pay
⚠️ Exceeds 30% HUD Rule
Monthly Discretionary
+$3,340/mo
Post-$1,517/mo 1BR Rent

Key Economic & Compensation Takeaways

Statutory Withholding Architecture

Frequently Asked Questions

Verified Government Data Sources & Statutory Attribution

Wages sourced from US Bureau of Labor Statistics (BLS OEWS). Rents calibrated to HUD Fair Market Rents. Tax schedules calibrated to IRS IRC Title 26, IRS Pub 15-T, and state statutory revenue codes.

BLS OEWS May 2025 HUD FY2027 FMR IRS 15-T
Metro Pay Comparison SOC 29-1141
2026 Statutory Thresholds
  • Federal Standard Deduction (Single) $16,100
  • FICA OASDI Wage Base Cap $184,500
  • Pre-Tax 401(k) Elective Deferral $24,500
  • HSA Individual Annual Limit $4,400

Registered Nurse (RN) in Panama City-Panama City Beach, FL: Market Snapshot

Registered Nurse (RN) roles in Panama City-Panama City Beach, FL report a median annual wage of $75,310, 22.8% below the national median of $97,550. The 10th to 90th percentile band runs from $61,640 to $96,820, and HUD’s $1,517 monthly one-bedroom fair market rent equals 24.2% of that median gross pay. The single-adult living wage benchmark for the area is $26.16 per hour.

Highest-paying metropolitan areas for Registered Nurse (RN)

Metropolitan areaMedian annual wageVs this market
San Jose-Sunnyvale-Santa Clara, CA$216,740+187.8%
Vallejo, CA$203,290+169.9%
San Francisco-Oakland-Fremont, CA$186,610+147.8%
Santa Rosa-Petaluma, CA$174,550+131.8%
Sacramento-Roseville-Folsom, CA$171,460+127.7%
Santa Cruz-Watsonville, CA$170,960+127.0%
Yuba City, CA$149,320+98.3%
Kahului-Wailuku, HI$144,350+91.7%
San Diego-Chula Vista-Carlsbad, CA$139,520+85.3%
Urban Honolulu, HI$139,260+84.9%

Top-paying occupations benchmarked in Panama City-Panama City Beach, FL

OccupationMedian annual wageMedian hourly
Architectural and Engineering Managers$155,360$74.69/hr
Computer and Information Systems Managers$138,670$66.67/hr
Purchasing Managers$135,260$65.03/hr
Industrial Production Managers$134,280$64.56/hr
Human Resources Managers$127,610$61.35/hr
Chief Executives$125,460$60.32/hr
Marketing Managers$124,960$60.08/hr
Physician Assistant$124,170$59.70/hr
Financial Manager$123,350$59.30/hr
Software Engineer$121,150$58.25/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 380 metropolitan areas publishing this occupation; HUD FY2027 Fair Market Rents; EPI Family Budget Calculator. Taxes use 2026 federal and state rules. Data last updated .

Regional Labor Market & Career Mobility Network

Explore adjacent occupations and neighboring metropolitan wage benchmarks for peer compensation analysis.

Registered Nurse (RN) Salary in Panama City-Panama City Beach, FL Overview

Registered Nurse (RN) median pay in Panama City-Panama City Beach, FL is $75,310 a year ($36.21/hr). See take-home pay after 2026 taxes, BLS wage percentiles. Official 2026 economic data for Registered Nurse (RN) in Panama City-Panama City Beach, FL compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
What is the median salary for a Registered Nurse (RN) in Panama City-Panama City Beach, FL?

The median annual wage is $75,310 ($36.21 per hour). The middle 80% of earners make between $61,640 and $96,820. Source: BLS OEWS (May 2025).

What is the take-home pay for a Registered Nurse (RN) in Panama City-Panama City Beach, FL after taxes?

On the median wage of $75,310, a single filer with no pre-tax deductions takes home about $61,811 a year ($5,151 a month) after $13,499 in federal, FICA, state and local taxes, an effective rate of 17.93%, using 2026 tax rules.