PCS to Tyndall AFB or NSA Panama City? Start Here.

Orders to Tyndall or NSA? You're headed somewhere special! Bay County is home to the rebuilt 325th Fighter Wing and the F-35A Lightning II mission, with two of Florida's most distinct coastal communities right next door — Panama City on the Emerald Coast and Mexico Beach at the gateway to the Forgotten Coast. 

Speak to a Military Relocation Professional

Which Base Are You Headed To?

Tyndall and NSA Panama City are 20 minutes apart — but the right neighborhoods, commutes, and on-base realities are completely different. Pick your base for the dedicated guide.

Tyndall AFB

325th Fighter Wing · F-22 & F-35A

•Closest neighborhoods: Callaway, Springfield, Parker
•Most popular: Lynn Haven (best BAH-to-house ratio)
•One road in: US-98 / DuPont Bridge
•Installation of the Future rebuild ongoing

PCS to Tyndall AFB

NSA Panama City

NSWC PCD · EOD School · Diving

•Closest neighborhoods: Panama City Beach, Lynn Haven
•Beach-side living, Gulf access at your door
•Tourist-season traffic is real (plan around it)
•Limited on-base housing — most live off-base

PCS to NSA Panama City

★ MRP Certified · Bay County Born

Bay County's Trusted Military Relocation Team

Born here. Built here. We've helped hundreds of military families navigate Bay County — Tyndall AFB on one side of the bay, NSA Panama City on the other. Whether you're PCS-ing in or PCS-ing out, your mission is our mission.

★ MRP Certified  ·  5.0 ★ Google Rating  ·  Both Bases Covered

Our Family's Story

Generations of Service. One Family Mission.

The Peevy family's roots in the U.S. military run deep from the Air Force to the Army and Navy — and they shape how we serve military clients today.

SGM · E-9

John J. D'Anieri

U.S. Army Air Forces

Sergeant Major D'Anieri (Bill's Father) served as an E-9 in the U.S. Army Air Forces — the direct predecessor to today's U.S. Air Force. The senior enlisted leadership tradition he represented is the same one carried today by the Chiefs and First Sergeants at Tyndall AFB. That's part of why Tyndall isn't just another base to us. It's personal.

U.S. Army

Bill & Joe Peevy

U.S. Army · 1970s

Bill Peevy was born on Tyndall Air Force Base while his mother and father were stationed locally. Both him and his brother Joe both served in the U.S. Army in the 1970s before transitioning to civilian careers — the same path many of our clients will walk when their service ends. Bill is the foundation of The Peevy Team and a member of the local veteran community in Bay County. His perspective shapes how we approach every PCS, every transition, every move.

“

For what it's worth, all I ever dreamed of was flying fighter jets in the Air Force. Medical conditions held me back from serving — I won't pretend that's the same as putting on the uniform. But the Air Force, and Tyndall specifically, has always been close to my heart. I grew up watching Tyndall's F-15 Eagles flying air dominance missions over the Gulf. Today the mission has evolved to the F-22 Raptor and F-35A Lightning II, but the warriors flying it are the same. That's why I take military relocation so personally. If you're a Tyndall family, you're not a transaction to me. You're flying the missions I once wanted to fly.

— Matt Peevy

That's why multiple generations of Peevy service shows up in everything we do today. We're a military family that now serves families in local real estate needs.

Why Us

Military Relocation Professionals – More Than a Certification. A Calling.

Bill Peevy is an Army veteran. Matt and Ashley have spent years guiding military families through every chapter of Bay County life — house-hunting before the orders are dry, settling kids into the right schools, navigating the on-base waitlist, and selling fast when the next assignment calls. We've built relationships with the Tyndall Military Housing Office, the Bay District Schools military liaison, and a network of VA-savvy lenders who actually understand this market. When you're juggling a PCS, you shouldn't have to figure out who to call. We already know.

Born Here. Built Here.

For nearly three decades, we've guided families across Bay County and the Forgotten Coast — from Cape San Blas to Lynn Haven, Mexico Beach to Callaway. We know which Lynn Haven subdivisions zone to which schools, which Tyndall-adjacent streets put you closest to base, and which neighborhoods fit your budget, your tour length, and your family. That depth of local insight isn't something a search engine can give you. It's something we've earned, one home at a time.

MRP Certified, Mission-Focused.

The Military Relocation Professional designation isn't a participation trophy. We're trained on BAH calculations, SCRA protections, the Dependency Determination process, and the timing realities of PCS orders. We know how to compress a 90-day shopping window into 5 days when we have to.

Honest. Family to Family.

Honest answers, every time. Whether buying is right for your tour length. Which neighborhoods match your family's lifestyle. Which schools will set your kids up to thrive. Where your BAH stretches the furthest. Your PCS is full of moving parts. Working with us is the part that should feel easy.

Real Numbers

2026 BAH — Panama City MHA (FL063)

Both Tyndall AFB and NSA Panama City fall under the Panama City Military Housing Area (FL063). BAH is identical regardless of base. What changes is what your BAH actually buys you in different neighborhoods.

Pay Gradew/ Depsw/o Deps
E-1 to E-4$2,052$1,713
E-5$2,163$1,863
E-6$2,283$2,049
E-7$2,406$2,148
E-8$2,517$2,235
E-9$2,649$2,358
W-1 / O-1E$2,253$1,956
W-2 / O-2E$2,376$2,103
O-1$2,121$1,890
O-2$2,361$2,067
O-3$2,541$2,277
O-4$2,778$2,514
O-5$2,925$2,664
O-6$2,997$2,724
O-7+$3,105$2,805

Effective Jan 1, 2026. Verify your individual rate at defensetravel.dod.mil before signing any contract.

⚠ A note from us: In some post-hurricane years, Tyndall's BAH lagged actual Panama City rents — meaning service members were paying out of pocket. Always verify what a comparable rental or mortgage actually costs in your target neighborhood. We'll run those numbers with you for free.

PCS-ing Out

Selling Before Your Report Date?

You have a report date. You don't have 90 days to play with. Selling under PCS pressure is its own discipline — and it's where the wrong agent will cost you tens of thousands of dollars in price reductions or rushed concessions. Here's how we do it differently.

The PCS-Paced Sale Timeline

90 Days Out
Free walkthrough and CMA. Identify items that move the needle on price. Pre-list strategy: list price, photo plan, timeline.

60–75 Days Out
Professional photography, drone, 3D walkthrough. List goes live with full Bay County and Forgotten Coast syndication. Open weekend showings.

30–45 Days Out
Negotiate the cleanest, fastest-close offer. Coordinate inspection, appraisal, repairs. Begin packing with confidence.

Closing
Coordinate with title and lender around your TMO move. Power of attorney support if you're already at next duty station. Close before your report date whenever possible.

VA Loan Assumption

If you bought your Bay County home with a VA loan, your loan may be assumable by another VA-eligible buyer at your original interest rate. With new VA loans at 6.5%+ and your existing loan at 3.25%, that's worth tens of thousands to a buyer — and a meaningful price premium for you.

We market VA-assumable listings differently. We know which lenders process assumptions efficiently and which take 60+ days. We know the entitlement substitution issue that catches sellers off guard.

Selling While Already PCS'd Out

You don't have to be in Panama City to sell your Panama City home. We've closed dozens of transactions for sellers already at their new base — or downrange. We coordinate pre-list prep, all showings, secure DocuSign offers, inspection management, JAG power-of-attorney coordination, and closing with your relocation services (DoD, GAVO, BVO).

Sell or Rent It?

Sell when
  • You bought at the peak with minimal equity
  • Property needs repairs you don't want to fund remotely
  • You're not interested in being a long-distance landlord
  • Your equity will fund the down payment on your next home
Rent when
  • You have a low locked-in interest rate (3-4%)
  • BAH-to-rent math works in your favor
  • You may PCS back to Panama City (it happens)
  • You want to build a portfolio across duty stations

We'll run both scenarios for you — sale price net vs. monthly rental cash flow — so you decide with real numbers, not gut feel.

Get Your Free Home Value Analysis →

For the Family

Schools in Bay County for Military Families

Bay District Schools uses open enrollment — you're not strictly tied to your address-zoned school. A major win for military families if you act fast. We have a direct line to the Bay District Schools Military Liaison.

Top schools military families ask about most:

Hutchison Beach Elementary — PCB side, NSA-friendly
Patronis Elementary — Panama City Beach, A-rated
Mowat Middle School — Lynn Haven, military-heavy
A. Crawford Mosley HS — Lynn Haven, JROTC
Arnold High School — PCB, A-rated
Bay High School — Downtown PC, IB program
Rutherford HS — Springfield/Callaway, CTE programs

Charter / special-program options: North Bay Haven, University Academy, Bay Haven, Newpoint Bay. These fill fast — we can help with lottery timing.


FAQ

Frequently Asked Questions

What's the BAH for an E-5 with dependents in 2026?

$2,163 per month. Both bases fall under the Panama City Military Housing Area (FL063), so the rate is identical at Tyndall and NSA Panama City.

Is Bay County a good place to buy with a VA loan?

Yes — for most service members E-5+ with a 2-3 year tour. BAH typically covers full PITI on a median Bay County home, and the VA loan's $0 down + no PMI structure makes the math work.

How fast can I sell before my PCS report date?

Most well-priced Bay County homes sell within 30–60 days. We've closed PCS-paced sales in under 21 days when needed.

Should I rent or buy for a 3-year tour?

Usually buy if you can VA-finance, BAH covers PITI, and you're open to renting it post-PCS. Rent if you're under a 2-year tour or want zero hurricane-insurance liability.

Can I use my VA loan if I already have one?

Yes, in most cases. Your entitlement can be restored when your existing VA loan is paid off, or you can use second-tier entitlement. We'll connect you with a VA-specialist lender.

Do you work with VeteranPCS or Veterans United Realty?

Yes. We work within multiple military referral programs and our team holds the NAR MRP certification.

Are you Realtors for both Tyndall AFB and NSA?

Yes — both bases sit in Bay County and share the same MHA, but the right neighborhoods and considerations differ. We have separate dedicated guides for each base above.

How does hurricane risk affect home buying here?

Insurance runs higher than inland Florida, and some lenders require windstorm and flood coverage on top of standard. We help you budget appropriately and identify higher-risk neighborhoods.

Free Resource

Free Bay County Military Buyer's Guide

12 pages. 2026 BAH rates. Neighborhood maps for both bases. School comparisons. Real numbers, no fluff.

↓ Form below ↓

Begin Your Mission

Ready to Make the Move?

MRP-certified. Local. Three generations deep into military service. Call Matt or Ashley directly.

Matt & Ashley Peevy
The Peevy Team at KW Success Realty

📞 850-788-8257

•509 Cecil G Costin Sr Blvd, Suite A · Port St. Joe, FL 32456
•7923 Panama City Beach Pkwy, Panama City Beach, FL 32407

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We are certified Military Relocation Professionals ready to help. See Our Reviews Below.

Matt & Ashley Peevy

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850-788-8257

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Panama City & Mexico Beach

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Mexico Beach

Mexico Beach, Florida: 3.1 Miles of Old Florida CharmNestled along the Gulf of Mexico, Mexico Beach, Florida, is a peaceful coastal town known for its "Old Florida" charm. With 3.1 miles of white sand beaches, this serene destination offers a unique family friendly environment, perfect for full time residents and visitors alike. 💡 Did you know that the local zoning height restrictions prevent high rise condominiums in Mexico Beach?Where is Mexico Beach, FL?Located just 47 miles east of Panama City Beach, and near Tyndall Air Force Base, Mexico Beach provides a quiet retreat with easy access to nearby amenities via Highway 98. Its convenient location makes it simple for residents and tourists to reach local attractions in Port St. Joe and Panama City. The town’s dedication to preserving its natural beauty ensures clean, pristine beaches, drawing the attention of prospective homeowners and investors alike. Getting to Mexico Beach from Atlanta, GeorgiaFor many of our second home buyers, the biggest surprise about Mexico Beach is how easy it is to reach from Atlanta. In just about 5 to 6 hours by car, you can leave the Atlanta skyline behind and arrive at uncrowded Gulf beaches, sugar white sand, and a slower coastal pace.The Easiest Drive from Atlanta:The most straightforward route is:I-85 South → I-185 South (Columbus) → US-431 South → FL-71 → US-98orI-85 South → US-280 West → US-431 South → US-231 South → US-98 EastMany of our Atlanta homeowners leave early in the morning and are on the beach by early afternoon!What is Lifestyle and Recreation like on Mexico Beach?Part of Florida's Unforgettable Coast, Mexico Beach offers plenty of outdoor activities like fishing, boating, jet skiing, and more. The community’s resilience shines through in its recovery from past hurricanes, showcasing a close-knit, supportive spirit. This commitment to preserving both community and natural surroundings is a core part of life in Mexico Beach.How good is the fishing in Mexico Beach?Mexico Beach is a true paradise for anglers, offering rich waters that cater to all skill levels. Fisherman can enjoy year-round fishing options, from surf casting along the beach to deep sea adventures in the Gulf. For those looking to venture offshore, a range of local charter guides offers expert led fishing trips, providing both newcomers and seasoned anglers with unforgettable experiences. The primary boat ramp, located at Canal Park on the Mexico Beach Canal, offers easy access to the Gulf, allowing for smooth launches whether you're heading out solo or with a full crew. A standout feature in the local fishing scene is the Mexico Beach Artificial Reef Association (MBARA), which has developed an impressive network of artificial reefs in the Gulf, designed to enhance marine life habitats and improve fishing opportunities. These reefs, built with eco-friendly materials, create vibrant environments that attract a variety of fish, including grouper, snapper, and amberjack, making Mexico Beach a prime destination for both recreational and sport fishing.Mexico Beach Real Estate: A Market for Every BuyerFor those looking to make Mexico Beach their home, the local real estate market offers diverse options. Prospective buyers can choose from a variety of Mexico Beach homes for sale, including charming beach cottages and spacious family homes. For those seeking a vacation-style property with minimal upkeep, condos for sale in Mexico Beach, Florida, provide an ideal solution. The Peevy Team, local real estate agents specializing in the Mexico Beach area, offers valuable guidance on finding the perfect property, whether you're looking for a vacation home, investment property, or full-time residence. The Peevy Team is your Mexico Beach Realtors of choice! Mexico Beach's Community and Lifestyle AppealMexico Beach caters to families, retirees, and military personnel stationed nearby. The town’s welcoming community and close proximity to Panama City Beach amenities make it a top choice for those desiring a relaxed yet connected lifestyle. With activities ranging from fishing to beachcombing, Mexico Beach properties offer a balance of peace and recreation.Discover Life by the Gulf on the "Unforgettable Coast"Life in Mexico Beach centers around simple pleasures. It’s a place for families to reconnect, enjoy nature, and build lasting memories. More than just a vacation destination, Mexico Beach provides a unique opportunity to experience the beauty of Florida's Gulf Coast in a friendly, close-knit setting.For a coastal lifestyle that blends relaxation with adventure, Mexico Beach, Florida, is a hidden gem. Explore homes for sale with The Peevy Team, your trusted Realtors on the Forgotten Coast, and find your place by the water in this special part of Florida.Resilience and Recovery of Mexico Beach After Hurricane MichaelIn October 2018, Mexico Beach was struck by Hurricane Michael, one of the most powerful storms to hit the Florida Panhandle. The storm caused significant damage, reshaping the town’s landscape and challenging the community. However, the spirit of Mexico Beach has proven resilient and unwavering. Through the dedicated efforts of residents, local businesses, and volunteers from across the country, Mexico Beach has come a long way in its recovery. Homes, businesses, and infrastructure have been carefully rebuilt, with a focus on preserving the town’s beloved "Old Florida" charm. Today, visitors and new residents find a community that has not only restored its beautiful beaches and welcoming atmosphere but has also strengthened its bonds. 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Welcome to Windmark Beach, Florida – A Coastal Haven for Families and InvestorsLooking for your dream home by the water? Windmark Beach, located in the charming town of Port St. Joe, Florida, offers an incredible lifestyle with homes that capture the essence of coastal living. Windmark Beach homes for sale provide a perfect blend of modern comfort and laid-back beach vibes, making this community a top choice for families and investors alike.Whether you're searching for a vacation home or a rental property, Windmark Beach real estate stands out with its breathtaking Gulf Coast views, family-friendly environment, and thriving local scene. The community features beautiful boardwalks, miles of walking trails, and direct beach access, so you can enjoy the outdoors all year long.Windmark Beach real estate offers more than just a place to live—it’s a lifestyle. Imagine waking up to Gulf breezes, enjoying leisurely walks along the shore, and having easy access to everything Port St. Joe has to offer. Plus, the shops and restaurants inside Windmark Beach make life here even more convenient and enjoyable.Local Favorites Inside Windmark BeachOne of the perks of living in Windmark Beach is the fantastic selection of local businesses right within the community. Here are a few favorites that make everyday living a little sweeter:The View: This popular waterfront restaurant offers a stunning view of the Gulf and serves up fresh, local seafood along with other delicious menu items. Whether you're grabbing a casual dinner with family or enjoying a sunset meal, The View has something for everyone.Sunrise Cafe: Start your day off right with a fresh cup of coffee and a tasty breakfast at Sunrise Cafe. Known for its cozy atmosphere and friendly service, it’s a local favorite for morning meetups and leisurely brunches.Brunos Pizza: Craving a slice? Brunos Pizza is your go-to spot for handmade pizzas with all your favorite toppings. Perfect for a family night out or grabbing takeout after a long day at the beach.The Mill: For those who love supporting local businesses, The Mill is a must-visit. This charming shop features an array of coastal-inspired gifts, home decor, and accessories that reflect the laid-back vibe of Windmark Beach.R & R Outfitters: Need gear for your next outdoor adventure? R & R Outfitters has you covered. Whether you’re looking for paddleboards, kayaks, or fishing supplies, this local outfitter has everything you need to explore the Gulf waters and beyond.Bonavic Construction: Known for its top-quality work, Bonavic Construction is a trusted builder within Windmark Beach. Whether you're looking to build a custom home or remodel, their expert team can help bring your vision to life.The Ideal Location in Port St. Joe, FloridaWindmark Beach isn’t just about the beach—it’s also about community. Just a short drive from downtown Port St. Joe, you'll enjoy the small-town charm with modern conveniences like local boutiques, restaurants, and community events. Families will love the quiet, friendly atmosphere, while investors will appreciate the growing demand for Windmark Beach homes for sale. With its unbeatable location along the Gulf Coast, Windmark Beach Florida real estate is the perfect choice for those seeking a peaceful yet active lifestyle.If you're considering making Windmark Beach your next home or investment, now is the perfect time to explore the available opportunities in this hidden gem on Florida's Forgotten Coast.Ready to explore the best Windmark Beach real estate opportunities? Whether you're looking to buy a home, invest in a rental property, or simply learn more about the incredible lifestyle Windmark Beach offers, The Peevy Team is here to help. With over 25 years of experience and deep local knowledge of Windmark Beach homes for sale, we’re your trusted experts for all things real estate in Port St. Joe, Florida. Contact The Peevy Team today to start your journey toward owning your piece of paradise on the Forgotten Coast!

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What Our Customers Think of Our Services

Highly likely to recommend

“We had a fantastic experience working with Ashley from the Peevy Team on our lot purchase in Port St. Joe. She was professional, personable, and incredibly responsive — every question we had was answered promptly and clearly. Ashley was with us every step of the way through closing, making the whole process smooth and stress‑free. I will absolutely work with Ashley and the Peevy Team in the future!”

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Highly likely to recommend

“Matt did a fantastic job with the videos and pictures of my home. I told him what I wanted and he captured it perfectly. Great job. Also wonderful communication. He was a joy to work with.”

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Highly likely to recommend

“We had a wonderful experience working with Ashley Peevy. She is extremely professional and provides truly outstanding customer service. From start to finish, she made the entire process smooth and stress-free. Ashley consistently went above and beyond to make sure we were satisfied and that all our needs were met. Her communication, attention to detail, and dedication really set her apart. I would highly recommend her to anyone looking for a reliable and hardworking realtor!”

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