Ebro, FL 55+ Active Adult Retirement Communities

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    Ebro is a quiet, nature-driven town just outside the metro area of Panama City. Its accessibility to outdoor recreation, sunny and warm weather, and lower-than-average cost of living make it desirable for retirees. In addition to its small-town charm, Ebro is centrally located between three larger cities, making it easy to access anything one might need.

    Climate and Geography

    A small town just off the coast, Ebro is located centrally in Florida’s panhandle. Its humid subtropical climate means sunny, hot summers and mild winters with no snow. The average rainfall is slightly higher than the rest of the country, but Ebro still sees over 200 sunny days a year.

    Like much of Florida, Ebro is nestled between swamps and prairielands, keeping the area lush and green the majority of the year. 

    Recreation, Culture, & Entertainment

    Nearby nature preserves and creeks offer plenty of entertainment for those seeking outdoor recreation. Pine Log State Forest, Sand Pond Campground, and Choctawhatchee and Holmes Creek Water Management offer residents activities like bird watching, camping, hiking, boating, swimming, seasonal hunting, and wildlife viewing. 

    Ebro is also known for the Ebro Greyhound Park & Poker room, a family-friendly recreation center for betting and sports.

    While Ebro itself is a more nature-focused community, residents can enjoy larger restaurants, bars, museums, and shops in nearby Panama City. Nearby Pensacola Regional Airport and Tallahassee International Airport make traveling a breeze.

    Cost of Living & Taxes

    Due to being slightly off the Gulf Coast, Ebro’s cost of living is lower than both the rest of Florida and the United States. This is mostly due to the much lower cost of housing. Other categories like groceries, transportation, and utilities are similar to the national average, while health is slightly higher.

    Florida is considered a “low-tax” state, and Ebro is no exception. The state as a whole does not levy income tax, which means pensions and Social Security remain tax-free. Washington County has a 1.5 percent sales tax on top of the state’s, giving Ebro a total 7.5 percent sales tax. Property taxes are just below the national average.

    Health Care

    Ebro is surrounded by several nearby hospitals, most of them just south toward the coast, including the Gulf Coast Regional Medical Center and Healthmark Regional Medical Center. U.S. News ranks The Sacred Heart Health System-Bay Medical Center in Panama City as high performing in two procedures: Chronic Obstructive Pulmonary Disease (COPD) and Heart Failure.

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