32407 ZIP Code — Panama City Beach, FL

Bay County, Florida

ZIP code 32407 is located in Panama City Beach, Florida, within Bay County. It covers approximately 14.92 square miles and serves a population of 14,710 residents. This is a po box ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32407

The housing stock consists of a significant share of large multi-unit buildings. Most homes were built in the 2000s, giving the area an established character. Median home value is $334,000. Owner-occupancy sits near the national average at 59%.

The gap between median ($75,093) and mean household income suggests income inequality — a small number of higher earners pull the average up.

The dominant occupation class is management, business, and professional, with retail trade as the leading industry. The average commute of 20 minutes is near the national average.

Educational attainment is near the national average, with 36% of residents holding a bachelor's degree or higher.

17% of residents lack health insurance, above the national average.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%.

14,710

population

14.92

sq mi land

PO Box

ZIP type

Central (CT)

timezone

32407 ZIP code map

Cities in ZIP code 32407

Below are the cities the US Postal Service accepts for ZIP code 32407. Using any city not on this list may result in mail delivery delays.

City	Status
Panama City Beach	Acceptable
Panama City Beach	Acceptable
Panama City Beach	Preferred

Nearby ZIP codes

32408 Panama City (4.5 mi) 32405 Panama City (7.3 mi) 32401 Panama City (8.3 mi) 32461 Inlet Beach (8.8 mi) 32444 Lynn Haven (9.1 mi) 32409 Panama City (9.8 mi) 32413 Panama City Beach (10.8 mi) 32437 Ebro (15.9 mi) 32404 Panama City (17.5 mi) 32466 Youngstown (19.5 mi) 32403 Panama City (19.5 mi)

Demographics updated 06/2026

Population
Total population	14,710
Population density	986 / sq mi
State FIPS	12
County FIPS	005

Geography
Land area	14.92 sq mi
Water area	3.35 sq mi
Latitude	30.2124
Longitude	-85.7945
Timezone	Central (CT)
Area code	850

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	34.7%	43.3%	43.4%
$50k – $100k	40.7%	34.8%	30.8%
$100k – $200k	20.6%	17.8%	19.3%
Over $200k	4.1%	4.2%	6.4%

Demographics & statistics

14,710

Population

986

People per sq mi

39.0

Median age

$75,093

Median household income

$46,154

Per capita income

$334,000

Median home value

$1,750

Median monthly rent

58.7%

Home ownership

7.8%

Poverty rate

2.3%

Unemployment

9,223

Housing units

35.6%

Bachelor's or higher

Age distribution

Male Female

262

Under 5

271

489

5–9

508

351

10–14

365

432

15–19

448

367

20–24

381

1,041

25–34

1,080

996

35–44

1,033

1,018

45–54

1,057

535

55–59

554

527

60–64

546

710

65–74

737

413

75–84

429

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,796	19.0%
18 and over	11,914	81.0%
65 and over	2,449	16.6%
Median age	39.0 years

Race & ethnicity

White 73.6%

Black or African American 9.9%

Two or more races 6.3%

Hispanic or Latino 5.6%

Other race 2.8%

Asian 1.7%

Group	Count	%
White	11,475	73.6%
Black or African American	1,548	9.9%
Two or more races	976	6.3%
Hispanic or Latino	874	5.6%
Other race	444	2.8%
Asian	260	1.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	34.7%	43.3%	43.4%
$50k – $100k	40.7%	34.8%	30.8%
$100k – $200k	20.6%	17.8%	19.3%
Over $200k	4.1%	4.2%	6.4%

Under $10k 4.7%

$10k–$15k 1.1%

$15k–$25k 6.0%

$25k–$35k 7.4%

$35k–$50k 12.5%

$50k–$75k 18.1%

$75k–$100k 12.7%

$100k–$150k 15.9%

$150k–$200k 11.5%

$200k+ 10.0%

Range	% of households
Under $10k	4.7%
$10k–$15k	1.1%
$15k–$25k	6.0%
$25k–$35k	7.4%
$35k–$50k	12.5%
$50k–$75k	18.1%
$75k–$100k	12.7%
$100k–$150k	15.9%
$150k–$200k	11.5%
$200k+	10.0%
Median income	$75,093

Housing

Home values

Under $50k 2.7%

$50k–$100k 2.4%

$100k–$150k 3.6%

$150k–$200k 6.7%

$200k–$300k 26.7%

$300k–$500k 42.9%

$500k–$1M 13.9%

$1M+ 1.1%

Housing overview

Metric	Value
Median home value	$334,000
Median rent / month	$1,750
Owner occupied	58.7%
Renter occupied	41.3%
Vacant	45.7%
Single-family detached	27.9%
Large apartment buildings	44.6%
Mobile homes	2.8%
Median rooms	4.2
Avg household size (owned)	2.22

Year built

Era	%
2020 or later	1.6%
2010–2019	14.7%
2000–2009	38.2%
1990–1999	20.2%
1980–1989	18.1%
1970–1979	2.9%
1960–1969	1.7%
1950–1959	1.9%
1940–1949	0.8%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	2.7%
1 bedroom	10.8%
2 bedrooms	39.8%
3 bedrooms	37.9%
4 bedrooms	7.5%
5+ bedrooms	1.3%

Vehicles per household

Vehicles	% of households
No vehicle	4.1%
1 vehicle	37.7%
2 vehicles	41.4%
3 or more	16.9%

Heating fuel

Fuel type	%
Utility gas	18.0%
Electricity	75.7%
Propane / LP gas	3.7%
Solar	0.2%
No fuel used	2.4%

Households & families

Household type	Count	%
Married-couple family	3,185	49.3%
Cohabiting couple	449	7.0%
Male householder, no spouse	908	14.1%
Female householder, no spouse	1,917	29.7%
Households with children under 18	1,545	23.9%
Households with seniors (65+)	1,816	28.1%
Average household size	2.26

Marital status

Status	Male	Female
Never married	30.3%	23.6%
Married	54.5%	51.3%
Separated	2.7%	2.6%
Widowed	2.5%	7.8%
Divorced	10.1%	14.6%

Education

Less than 9th grade 2.6%

Some HS, no diploma 3.4%

HS graduate 20.3%

Some college, no degree 27.3%

Associate's degree 10.8%

Bachelor's degree 21.7%

Graduate / professional 13.9%

Metric	%
HS diploma or higher	94.0%
Bachelor's or higher	35.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	198	5.6%
Kindergarten	127	3.6%
Elementary school	1,519	43.0%
High school	650	18.4%
College / grad school	1,039	29.4%

Employment

Industry of employment

Retail trade 22.4%

Education & healthcare 18.5%

Arts, food & hospitality 15.3%

Professional & management 10.4%

Public administration 10.3%

Finance & real estate 6.7%

Construction 3.7%

Manufacturing 3.5%

Wholesale trade 3.2%

Other services 2.6%

Transportation & utilities 2.3%

Information 1.2%

Occupation

Category	%
Management, business & arts	41.2%
Service	15.3%
Sales & office	33.1%
Natural resources & construction	4.7%
Production & transportation	5.7%

Employment type

Type	%
Private sector	71.8%
Government	19.4%
Self-employed	8.3%
Unpaid family workers	0.5%

Commute

Method	%
Drive alone	79.1%
Carpool	8.0%
Public transit	1.5%
Walk	1.9%
Work from home	8.2%
Other means	1.3%
Avg commute (minutes)	19.7

Poverty

All people 7.8%

Under 18 years 10.6%

18 and over 7.2%

Married-couple families 3.8%

Female-led households 8.3%

Income support

Source	% of households
Social Security	29.3%
Retirement income	29.9%
Supplemental Security	3.5%
Cash public assistance	2.4%
Food stamps / SNAP	6.8%

Health indicators

Condition	%
Obesity	27.6%
High blood pressure	28.7%
High cholesterol	29.5%
Diabetes	8.7%
Heart disease	5.6%
Stroke	2.6%
Asthma	8.7%
Arthritis	21.4%
Kidney disease	2.4%
Pulmonary disease	6.7%
Cancer	6.1%

Behavior / access	%
Smoking	18.1%
Binge drinking	18.0%
No physical activity	23.4%
Less than 7 hrs sleep	32.3%
Depression	21.3%
Fair or poor health	12.9%
Poor mental health	16.0%
Poor physical health	10.2%
No health insurance	18.0%
Visited doctor (checkup)	72.6%
Visited dentist	60.8%
Cholesterol screening	88.9%
Teeth loss	12.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,542	13.3%

Disability	%
Any disability	14.6%
Under 18	6.1%
18–64 years	10.7%
65 and over	39.2%

Health insurance coverage

Type	%
Private insurance	65.5%
Public insurance	33.4%
No insurance	17.0%
Uninsured under 19	15.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	14,177	96.4%
Spanish	804	5.7%
Other Indo-European	439	3.1%
Asian & Pacific Islander	25	0.2%
Other languages	63	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	12,775	86.8%
Born in same state	12,162	82.7%
Born in different state	3,284	22.3%
Foreign born	613	4.2%
Naturalized citizen	1,935	13.2%
Not a US citizen	628	32.5%

Ancestry

Ancestry	Count	%
Italian	2,043	13.9%
French	1,759	12%
Arab	858	5.8%
Polish	276	1.9%
German	202	1.4%

Ancestry	Count	%
Irish	160	1.1%
English	85	0.6%
Norwegian	80	0.5%
Dutch	55	0.4%

Technology access

Metric	% of households
Computer access	43.9%
Internet access	98.4%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 32407

What city is ZIP code 32407 in?

ZIP code 32407 is primarily assigned to Panama City Beach, Florida.

What county is ZIP code 32407 in?

ZIP code 32407 falls within Bay County, Florida.

Does ZIP code 32407 have a large veteran population?

13% of civilians in ZIP code 32407 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 32407?

The median home value in ZIP code 32407 is $334,000.

What is the population of ZIP code 32407?

ZIP code 32407 has an estimated population of 14,710 residents, with a density of 986 people per square mile.

What is the median household income in ZIP code 32407?

The median household income in ZIP code 32407 is $75,093, above the national median of ~$75,000.

What timezone is ZIP code 32407 in?

ZIP code 32407 observes the CST timezone.