Best PlacesCallaway, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood in and around Callaway, scored on 40 measures of daily life and ranked to fit what matters to you. Costs and crime both read low, and the nearest big city is a drive away. To work out which city fits you best, start with the best places to live tool.
Callaway ranks 27,211th of 50,333 U.S. towns on the BestNeighborhood index. It scores highest on state infrastructure by a wide margin, and disaster risk is the weak spot.
The best neighborhoods in Callaway
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
Callaway's strengths and weaknesses
Where Callaway ranks high
- State infrastructureBetter than 99% of towns
- Cell coverageBetter than 99% of towns
- Low income/sales/gas taxBetter than 96% of towns
- Local economyBetter than 94% of towns
- TransitBetter than 92% of towns
Where Callaway ranks low
- Disaster safetyBetter than only 2% of towns
- Cheap car insuranceBetter than only 6% of towns
- Air qualityBetter than only 8% of towns
- Heat safetyBetter than only 10% of towns
- Housing crash safetyBetter than only 13% of towns
What it costs to buy a home in Callaway
A household needs to earn about $61,000 a year to comfortably buy the median Callaway home, at 20% down and today's 30-year rate. That is below the area's own median income of $67,876, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses Callaway's effective rate of 0.52%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 5 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in Callaway
Callaway runs younger than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for Callaway.
Who works in Callaway, and how
Work in Callaway centers on retail trade and hospitality & food. Unemployment is close to the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 88%
- Work from home 8%
- Transit, walk, or bike 4%
Life in Callaway
Callaway has more restaurants and bars per resident than 68% of towns. The coast is about 15 minutes away. That concentrates in some parts of Callaway and thins out in others, which the map shows.
What the weather is like in Callaway, month by month
Callaway sees roughly 118 pleasant days a year. July highs average about 89 degrees. January highs sit near 64, with lows near 46. The comfortable stretch runs February through April and October through December.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 64° | 54° | 46° |
| April | 77° | 69° | 60° |
| July | 89° | 83° | 76° |
| October | 82° | 73° | 64° |
Flying in and out of Callaway
The nearest airport, Northwest Florida Beaches International, is about 20 miles away and is a small airport. The nearest major hub is Jacksonville International, about 233 miles away.
The best schools in and around Callaway
Schools across Callaway average a C+, better than 42% of towns.
Top elementary schools
- Tyndall AcademyA · 67% proficient
- Callaway Elementary SchoolC · 35% proficient
- Parker Elementary SchoolC · 30% proficient
Top middle schools
- Merritt Brown Middle SchoolC+ · 37% proficient
Top high schools
- Rutherford High SchoolC · 30% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every Callaway school and its grade on SchoolGrade.
Callaway measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare Callaway against the other 50,332 towns.
Common questions about living in Callaway
Is Callaway a good place to live?
Using BestNeighborhood's default rankings, Callaway ranks 27,211th of 50,333 towns. It scores highest on state infrastructure, cell coverage, and low taxes, and lowest on disaster risk and car insurance costs. How good it is for you depends on which of those you weight most, which the map lets you set.
Is Callaway expensive to live in?
The median home is worth $244,535. The overall cost of living runs about 12% below the national average. Set against a $67,876 median income, cost of living beats 41% of towns.
Is Callaway safe?
Yes, Callaway is safer than 73% of towns. Safety varies a lot by neighborhood. Crime costs an estimated $157 per resident a year.
Compare Callaway with other towns
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to Callaway. Scores are absolute rather than ranked, which means a 60 in Callaway represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
Callaway detail on BestNeighborhood maps:
- Walk Grade for Callaway: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in Callaway: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of Callaway: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in Callaway: carrier by carrier coverage behind the cell score.
Callaway detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.