Bay County Water Utilities Quick Desk: Pay, Log In, Call, Start Service or Report a Water Emergency
This guide is for Bay County, Florida Utility Services customers who receive water and/or sewer service directly from Bay County. Use it to pay online, use phone payment, mail a check, visit the Transmitter Road office, use the drop box, start or terminate water service, understand deposits and disconnect rules, check 2026 wastewater and deposit fees, report leaks, handle boil-water notices, and avoid confusing Bay County Utility Services with Panama City, Panama City Beach, Parker, Callaway, Lynn Haven or private/rural providers.
Start Here: What Do You Need?
User intent |
Best official action |
Have ready |
Bay County-specific detail |
|---|---|---|---|
Pay Bay County water bill online |
Use the County’s Payment Options page or the Utilities page that links to eGovPLUS. |
Account number, service address, bill amount and payment method. |
Bay County says you need your account number to complete an online transaction. |
Set up online payment features |
Use the online payment portal from the official County page. |
Account number, email, payment method, due date preference. |
Features listed include Auto Pay, Recurring Payments, Scheduled Payments and Text to Pay. |
Pay by phone |
Call 888-528-2092. |
Account number and card/e-check information. |
Accepted phone payment types include Visa, Mastercard, Discover, American Express and eCheck. |
Ask a billing or service question |
Call Utility Services at 850-248-5010. |
Account number, service address, payment confirmation, bill date and question summary. |
Utility Services office hours are Monday-Friday, 7:30 a.m.-4:30 p.m. |
Report water leak during office hours |
Call 850-248-5010. |
Exact address, cross street, meter/street/yard location, photo if safe. |
The FAQ uses this number for regular-hours leak or water-emergency reports. |
Report after-hours water emergency |
Call 850-248-5048. |
Address, nearest cross street, water flow, property/street impact, callback number. |
Use after-hours number for active emergency, not ordinary bill login trouble. |
Start residential water/sewer service |
Complete online Bay County Portal application or visit Utility Services at 3410 Transmitter Road. |
Application, picture ID, lease or proof of sale/ownership, deposit. |
Residential water + sewer setup totals $210: $60 water deposit, $110 sewer deposit and $40 non-refundable service charge. |
Start irrigation meter later |
Ask Utility Services about separate irrigation account setup. |
Account details and irrigation meter/service information. |
If irrigation is added later, the FAQ lists $60 deposit + $40 non-refundable service charge, total $100. |
Start commercial/business account |
Visit Bay County Utility Services Administration Building in person. |
Application, picture ID, meter-size information, deposit. |
Commercial minimum deposit is listed as $150 water + $150 sewer + $40 service charge, total $340. |
Restore after nonpayment disconnect |
Pay outstanding balance plus $40 service fee, then confirm restoration timing with Utility Services. |
Payment confirmation, account number, disconnect date, service address. |
Deposits will not be used to cover past-due balance. |
Provider check: This page is for customers who purchase water/sewer directly from Bay County Utility Services. If your bill says Panama City, Panama City Beach, Parker, Callaway, Lynn Haven, Mexico Beach, Springfield, apartment billing, HOA billing, private well/septic or another provider, use that provider’s portal and phone number.
Official Bay County Utility Contact Box
Utility Services Office
Bay County Utility Services
3410 Transmitter Road
Panama City, FL 32404
Hours: Monday-Friday, 7:30 a.m.-4:30 p.m.
Phone / Fax
Utility Services: 850-248-5010
Phone payment: 888-528-2092
After-hours water emergency: 850-248-5048
Fax: 850-248-5006
Online Tools
Online payment: eGovPLUS / online payment portal from Bay County’s official Utilities and Payment Options pages.
Features: Auto Pay, recurring payments, scheduled payments and Text to Pay.
Account setup: residential customers may complete the application online through the Bay County Portal.
Official Bay County links:
Bill Pay and Login: Online Portal, Phone, Mail, In Person and Drop Box
Online portal
Use Bay County’s official payment page and account number to pay online.
Phone payment
Call 888-528-2092 and follow automated prompts.
Text to Pay
Online features include receiving a text message and paying directly from your phone.
Drop box
Drop box at 3410 Transmitter Road accepts checks only, no cash.
Start from the County site
Open Bay County’s official Payment Options page, then follow the online payment route. This protects readers from search ads, bill-pay aggregators and wrong-city portals.
Use the account number from your bill
Bay County says online payment requires the account number. Confirm account number, service address, amount due and due date before submitting.
Choose a payment method
Online accepted payment types listed by Bay County include Visa, Mastercard, Discover, American Express, Venmo, PayPal, Google Pay, Apple Pay and eCheck.
Save proof if late or disconnected
Keep confirmation number, payment date, amount, account number and payment method. If service has been disconnected or the date is close to cutoff, call Utility Services after payment.
Payment route |
Official detail |
Best for |
Practical warning |
|---|---|---|---|
Online payment portal |
Pay anytime through online payment portal using account number. |
Fast card/e-check payment, Auto Pay, recurring payment, scheduled payment, Text to Pay. |
Check account number and service address before submitting. |
Online payment types |
Visa, Mastercard, Discover, American Express, Venmo, PayPal, Google Pay, Apple Pay and eCheck. |
Customers who want flexible digital payment choices. |
Keep a screenshot or receipt if the bill is near delinquent status. |
Phone payment |
Call 888-528-2092 and have account number ready. |
Automated payment without web login. |
Accepted phone payment types are card and eCheck; still call Utility Services if disconnected. |
Mail payment |
Mail payment with stub to 3410 Transmitter Rd, Panama City, FL 32404. |
Routine check payment when enough time exists. |
Bay County says to allow 5-7 business days for processing. |
Check payable to |
Make checks payable to Bay County Utilities. |
Mail or drop-box checks. |
Write account number on the check or include payment stub. |
In-person payment |
3410 Transmitter Rd, Panama City, FL 32404 during normal business hours. |
Payment plus account questions. |
Normal Utility Services hours are Monday-Friday, 7:30 a.m.-4:30 p.m. |
In-person payment types |
Visa, Mastercard, Discover, American Express, Venmo, PayPal, Google Pay and Apple Pay. |
Customers who need staff help or digital wallet payment in person. |
Ask staff to confirm posting if bill is late. |
Drop box |
Drop box at 3410 Transmitter Rd for after-hours payments. |
After-hours check payment. |
Checks only, no cash; include payment stub with check. |
Urgent-payment warning: Mail and drop-box payments are not the safest route if the account is already late or disconnected. Use an immediate payment method, save proof, and call 850-248-5010 to confirm whether restoration or late-fee steps remain.
Start, Stop or Change Bay County Water/Sewer Service
Start residential service
- Complete application online through the Bay County Portal or visit 3410 Transmitter Road.
- Bring or upload picture ID.
- Provide copy of lease or proof of sale/ownership.
- Pay deposit and non-refundable service charge.
- Submit complete request before cutoff if you need same-day service.
Commercial/business setup
- Commercial/business accounts must be set up in person.
- Visit Bay County Utility Services Administration Building.
- Complete application.
- Provide picture ID.
- Pay deposit based on meter size.
Terminate service
- Only the account holder can terminate service.
- Same-day termination requires request before 1:00 p.m. Monday-Thursday, excluding Friday and holidays.
- Requests after cutoff, Friday, weekends or holidays process next business day.
- Deposits apply to final bill and outstanding fees.
- Remaining balance is billed or refund is issued.
Service setup item |
Amount / rule |
What it means |
|---|---|---|
Residential water deposit |
$60 |
Part of standard residential water/sewer setup. |
Residential sewer deposit |
$110 |
Part of standard water/sewer account setup. |
Non-refundable service charge |
$40 |
Not returned when service ends. |
Residential water + sewer setup total |
$210 |
$60 water + $110 sewer + $40 service charge. |
With irrigation meter at original setup |
$270 |
Standard $210 plus extra $60 irrigation meter deposit. |
Irrigation account added later |
$100 |
$60 irrigation deposit + $40 non-refundable service charge. |
Commercial minimum deposit |
$150 water + $150 sewer + $40 service charge = $340 minimum |
Commercial/business deposits increase by meter size. |
Same-day start timing |
Complete request before 4:00 p.m. Monday-Thursday, excluding Friday and holidays. |
Requests after cutoff process next business day. |
Termination timing |
Same-day termination requires account-holder request before 1:00 p.m. Monday-Thursday, excluding Friday and holidays. |
Plan move-out early; Friday/weekend/holiday requests process next business day. |
Deposit at termination |
Deposits are retained until service terminates, then applied to final bill/outstanding fees. |
You may be billed for remaining balance or refunded the difference. |
Move-day tip: Same-day service depends on a complete application, lease/proof of ownership, photo ID, deposit and timing. Call 850-248-5010 before relying on same-day start or termination.
Due Dates, Late Penalty, Disconnect and Reconnection Rules
Due date
Bay County FAQ says the due date for all residential water/sewer bills is the 20th of every month.
10% late penalty
Accounts not paid by the due date receive a 10% late penalty.
Restoration fee
Disconnected accounts must pay outstanding balance plus a $40 service fee to restore service.
Account status |
Bay County rule |
Best next action |
|---|---|---|
Residential bill due |
Due date is the 20th of every month. |
Pay before the 20th and keep receipt. |
Paid after due date |
10% late penalty applies when payment is not received by due date. |
Pay full balance and check whether next bill includes penalty. |
Nonpayment continues |
Non-payment accounts are subject to disconnect on or after the 5th of the following month. |
Do not wait until the 5th; call Utility Services if payment cannot be made. |
Disconnected for nonpayment |
Outstanding balance plus $40 service fee required to restore. |
Pay required amount and call Utility Services to confirm restoration timing. |
Trying to use deposit for past due |
Deposits will not be used to cover past-due balance. |
Plan to pay past due balance directly. |
Paid by 4:30 p.m. on day of disconnect |
Accounts reconnect same day if payment is received by 4:30 p.m. on day of disconnect. |
Use an immediate payment route and call with receipt. |
Paid after disconnect date before 1:00 p.m. |
Payment before 1:00 p.m. can reconnect same day. |
Call immediately after payment to confirm field order. |
Paid later than same-day window |
All other payments reconnect next business day. |
Ask whether any emergency or next-day timing applies. |
Returned or delayed payment |
May leave account past due if not processed in time. |
Call with confirmation, bank proof or check number. |
Already disconnected and paid online |
Payment alone may not immediately prove restoration status. |
Call 850-248-5010 with confirmation number and ask if a field reconnection has been released. |
Same-day reconnection caution: The FAQ gives specific time windows. If you pay late in the day, on Friday, on a weekend or on a holiday, do not assume water will be restored before the next business day unless Utility Services confirms it.
2026 Bay County Utility Fees and Wastewater Charges
Fee schedule year
Bay County’s 2026 Fees and Fines Schedule lists Utilities fees effective January 1, 2026.
Wastewater usage
The 2026 schedule lists the retail wastewater rate at $9.77 per thousand gallons.
Late payment
The retail late payment charge is listed as 10% in the 2026 schedule.
2026 utility fee / rate |
Amount |
What it means |
|---|---|---|
Residential water deposit, 3/4 inch |
$60 |
Matches standard residential water deposit in FAQ. |
Residential water deposit, 1 inch |
$165 |
Higher deposit for larger residential meter size. |
Residential water deposit, 1-1/2 inch |
$330 |
Deposit based on meter size. |
Residential water deposit, 2 inch |
$535 |
Large residential meter deposit. |
Residential service fee |
$40 |
Non-refundable service charge in setup/reconnect context. |
Wastewater deposit, residential |
$110 |
Standard sewer/wastewater deposit for residential setup. |
Retail wastewater rate |
$9.77 per thousand gallons |
2026 wastewater usage rate listed in fee schedule. |
Retail wastewater, sewer-only |
$104.08 |
Listed sewer-only charge in 2026 schedule. |
Retail late payment charge |
10% |
Penalty for late payment. |
Residential wastewater base, 3/4 inch |
$35.24 |
Base wastewater charge by meter size. |
Residential wastewater base, 1 inch |
$58.74 |
Base charge increases with meter size. |
Residential wastewater base, 1-1/2 inch |
$117.46 |
Large-meter residential base charge. |
Commercial wastewater base, 3/4 inch or 1 inch |
$70.49 |
Base commercial wastewater charge listed for smaller meters. |
Commercial water deposit, 5/8 inch |
$150 |
Minimum commercial water deposit referenced in 2026 schedule. |
Commercial water deposit, 1 inch |
$180.30 |
Commercial deposit rises with meter size. |
Rate-table honesty: Bay County’s 2026 fee schedule contains many meter-size and commercial categories. For exact bill math, use the current bill and call 850-248-5010 because water, wastewater, irrigation, base charges, deposits, late penalties, service fees and meter size can change the total.
High Bill, Leaks, Meter Checks and Master Shutoff Valve
1. Separate the bill
Look at water, wastewater, sewer-only, late penalty, service fee, deposit and prior balance lines.
2. Check the meter
Use Bay County’s leak-check resources and compare current meter reading to billed usage.
3. Shut off inside water
Know where your master water valve is so you can isolate leaks quickly.
4. Call early
Call 850-248-5010 during office hours or 850-248-5048 after hours for emergency leaks.
High-bill clue |
Likely cause |
Bay County action |
|---|---|---|
Water usage jumped sharply |
Toilet leak, hose left on, irrigation, underground leak, longer billing period or meter-read issue. |
Check meter and call with current reading, bill date and account number. |
Wastewater charge increased |
Wastewater is usage-sensitive and may rise with water use. |
Ask how wastewater was calculated and whether sewer-only/base charges apply. |
Standing water near meter or street |
Possible service-line leak, county-side leak, irrigation runoff or stormwater. |
Report exact location; after-hours emergency uses 850-248-5048. |
Water inside home will not stop |
Fixture, water heater, washer hookup, main valve or pipe break. |
Find and mark the master valve; common locations include near washer hookup, water heater, or where water pipe enters home. |
Usage high after move-in |
Leak inherited from prior occupant, irrigation meter, account setup timing or first reading. |
Call Utility Services with start date and meter reading concerns. |
Bill higher but usage normal |
Late penalty, service fee, deposit, final balance or prior balance. |
Ask staff to separate water usage from penalties and fees. |
Payment made but balance remains |
Processing time, wrong account, after-hours payment, mail delay or drop-box delay. |
Provide confirmation number, check number or receipt. |
Possible boil-water notice |
Water main repair, pressure loss or system work. |
Follow boil-water instructions until notice is lifted after bacteriological survey. |
Master valve tip: Bay County FAQ lists common master water valve locations near the clothes washer hookup, near the water heater, or where the water supply pipe enters the home. Mark the valve with bright paint, a flag or ribbon before an emergency happens.
Water Quality, Boil-Water Notices, Laboratory Services and Service Area Questions
Drinking-water testing
Bay County says drinking water is tested before it leaves the water treatment plant and at locations throughout the distribution system.
Annual CCR
The Utility Services page links Bay County’s Annual Retail Water CCR.
Boil-water notice
A precautionary boil-water notice stays in effect until work is completed and bacteriological survey shows the water is safe to drink.
Water-quality need |
Official guidance |
Customer action |
|---|---|---|
Annual water report |
Use Bay County Annual Retail Water CCR from Utility Services quick links. |
Open latest report first and call 850-248-5010 for specific concerns. |
Private water testing request |
Utility lab FAQ says generally no; drinking water is tested before leaving plant and within distribution system. |
If you buy water directly from Bay County, contact Utility Services with specific concerns. |
Boil-water notice |
Bring water to rolling boil for one minute, or use bleach/tablets if boiling is not possible. |
Use boiled/bottled water for drinking, brushing teeth, washing fruits/vegetables and homemade ice. |
Bleach disinfection |
Use 8 drops of 5%-6% household bleach per gallon of clear tap water; 16 drops if cloudy; let stand 30 minutes. |
Do not use scented bleach; use food-grade containers. |
Bathing during notice |
Tap water may be used for showers/baths if care is taken not to swallow or get water in eyes, nose or mouth. |
Supervise children and vulnerable people; consider bottled/boiled water for wounds or immunosuppressed individuals. |
Water service-area question |
Use Bay County service-area maps. |
Confirm whether you are direct Bay County customer before calling about bill or water quality. |
Municipality buys Bay County water |
Lab FAQ says if you live in a municipality that purchases water from Bay County, contact your water provider to see what services are available. |
Call the city/provider shown on your bill first. |
Cross-connection / backflow |
Bay County Water & Wastewater Information includes Cross Connection Control Program. |
Handle backflow testing separately from bill payment if notified. |
Boil-water safety: Do not stop boiling/disinfecting early because water looks clear. Bay County says a precautionary boil-water notice remains until work is complete and bacteriological testing shows the water is safe.
Bay County Utility Services vs. Panama City, PCB, Parker, Callaway, Lynn Haven or Private Service
Before paying: “Bay County water” can mean direct Bay County retail service, wholesale water sold to a city, city utility billing, apartment billing, a water supply corporation, private well, septic, or stormwater/tax-roll charges. Always match the provider name and account number printed on your bill.
If your bill says… |
Use this route |
Avoid this mistake |
|---|---|---|
Bay County Utilities / Bay County Utility Services |
Use baycountyfl.gov Utility Services, 850-248-5010, 888-528-2092 and 3410 Transmitter Road. |
Do not pay a city portal unless your bill is actually from that city. |
Panama City |
Use City of Panama City utility billing. |
Do not confuse wholesale Bay County water supply with your retail billing office. |
Panama City Beach |
Use PCB utility billing/customer service. |
Do not use Bay County direct-customer reconnection rules for PCB accounts. |
Parker, Callaway, Lynn Haven, Mexico Beach or Springfield |
Use the city utility provider named on your statement. |
Do not assume Bay County Utility Services can view every city account. |
Apartment, HOA, condo or submeter company |
Ask whether the charge is direct-billed, submetered, allocated or included in rent/dues. |
Do not create a Bay County account unless the County directly bills your unit/property. |
Private well or septic |
Use a licensed well/septic professional and health-department guidance. |
Do not call Bay County billing for private pump or septic failure unless you also receive County service. |
Stormwater utility on property tax bill |
Use Bay County stormwater/property tax guidance. |
Do not treat annual stormwater assessment as a monthly water/sewer bill. |
New development / utility permit |
Use Utility Permitting for construction water/wastewater connection and capacity questions. |
Do not use household bill-pay phone scripts for development permit fees. |
Google Map: Bay County Utility Services Office
Visit note: Bay County Utility Services is at 3410 Transmitter Road, Panama City, FL 32404. Office hours are Monday-Friday, 7:30 a.m.-4:30 p.m. Call 850-248-5010 before visiting if you need same-day service, commercial setup, reconnection, high-bill review, deposit confirmation or portal/account help.
Route |
Address / phone |
Use for |
|---|---|---|
Utility Services office |
3410 Transmitter Road, Panama City, FL 32404; 850-248-5010 |
Billing, payment, start/stop service, deposits, reconnects, leaks and account questions. |
Payment mailing address |
3410 Transmitter Rd, Panama City, FL 32404 |
Mailed utility payment with payment stub. |
Drop box |
3410 Transmitter Rd, Panama City, FL 32404 |
After-hours check payment; checks only, no cash. |
Phone payment |
888-528-2092 |
Automated payment by card or eCheck. |
After-hours water emergency |
850-248-5048 |
After-hours water leak or water emergency. |
Fax |
850-248-5006 |
Utility Services fax routing where staff requests documents by fax. |
County Government Center reference |
840 W. 11th Street, Panama City, FL 32401; 850-248-8140 |
General county contact, not the main utility billing office for customer water/sewer account setup. |
Utility Permitting |
Use Utility Services / Permitting Division official routes. |
New mains, construction water/wastewater information, utility work approvals and development questions. |
Bay County Water Utilities FAQ
What is the Bay County Utilities phone number?
Call Bay County Utility Services at 850-248-5010 for billing, account, service, leak and utility questions during regular office hours.
Where is the Bay County Utility Services office?
The office is at 3410 Transmitter Road, Panama City, FL 32404. Bay County lists office hours Monday through Friday, 7:30 a.m. to 4:30 p.m.
Where do I pay my Bay County water bill online?
Use Bay County’s official Payment Options or Utilities page and follow the online payment portal / eGovPLUS route. You need your utility account number to complete the transaction.
What is the Bay County water bill phone payment number?
Bay County’s payment page lists phone payment at 888-528-2092. Have your account number ready and follow the automated prompts.
What payment methods does Bay County accept online?
The official payment page lists Visa, Mastercard, Discover, American Express, Venmo, PayPal, Google Pay, Apple Pay and eCheck for online payment. Online features include Auto Pay, recurring payments, scheduled payments and Text to Pay.
How do I start Bay County water and sewer service?
You may complete the application online through the Bay County Portal or visit 3410 Transmitter Road. You need an application, picture ID, lease or proof of sale/ownership, and deposit/payment.
How much is the Bay County residential water and sewer deposit?
For standard residential water and sewer setup, Bay County FAQ lists a $60 water deposit, $110 sewer deposit and $40 non-refundable service charge, totaling $210. An irrigation meter adds another $60 if set up with the account.
When is a Bay County residential water/sewer bill due?
Bay County FAQ says the due date for all residential water/sewer bills is the 20th of every month. Accounts not paid by the due date receive a 10% late penalty.
What happens if Bay County water service is disconnected for nonpayment?
Disconnected accounts must pay the outstanding balance plus a $40 service fee to restore service. Deposits will not be used to cover the past-due balance. Restoration timing depends on when payment is received.
Who do I call for a Bay County water leak or emergency?
Call 850-248-5010 during regular office hours. For after-hours water leaks or water emergencies, call 850-248-5048.
30-Second Bay County Water Utilities Checklist
Pay/login: use Bay County’s official Payment Options or Utilities page and the eGovPLUS/online payment portal.
Phone: Utility Services is 850-248-5010; phone payment is 888-528-2092; after-hours water emergency is 850-248-5048.
Office: 3410 Transmitter Road, Panama City, FL 32404; Monday-Friday, 7:30 a.m.-4:30 p.m.
New service: residential water/sewer setup requires application, picture ID, lease/proof of sale, $60 water deposit, $110 sewer deposit and $40 service charge.
Late account: residential bills are due on the 20th; unpaid bills get a 10% late penalty and may be disconnected on or after the 5th of the following month.
High bill: check meter, toilets, irrigation, wet ground, wastewater usage, late/service fees and prior balance before assuming the total is only water usage.

Editorial Team
WaterBillGuide.us
The content on WaterBillGuide.us is researched and prepared by our editorial team. Our writers and researchers review publicly available information from official utility websites and service portals to create clear, step-by-step informational guides.
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