Bay County, FL ZIP Codes
Florida (FL) · 17 ZIP codes · 6 cities
17
ZIP codes
179,168
population (2021)
+6.1%
pop change since 2010
12005
FIPS code
Bay County ZIP code map
About Bay County
Bay County is located in Florida and contains 17 ZIP codes across 6 cities and communities.
The county's population was 179,168 as of 2021,
an increase of
6.1% from 168,852 in 2010.
The timezone is Mountain Time (observes DST).
The Federal Information Processing System (FIPS) code for Bay County is 12005.
| Population | |
|---|---|
| 2021 population | 179,168 |
| 2010 population | 168,852 |
| Change | +6.1% |
| County details | |
|---|---|
| State | Florida |
| FIPS code | 12005 |
| Timezone | Mountain |
| Daylight saving | Yes |
Cities in Bay County
ZIP codes for Bay County, FL (17)
| ZIP code | City | County | Map |
|---|---|---|---|
| 32401 | Panama City | Bay | View map |
| 32402 | Panama City | Bay | View map |
| 32403 | Panama City | Bay | View map |
| 32404 | Panama City | Bay | View map |
| 32405 | Panama City | Bay | View map |
| 32406 | Panama City | Bay | View map |
| 32407 | Panama City Beach | Bay | View map |
| 32408 | Panama City | Bay | View map |
| 32409 | Panama City | Bay | View map |
| 32410 | Mexico Beach | Bay | View map |
| 32411 | Panama City | Bay | View map |
| 32412 | Panama City | Bay | View map |
| 32413 | Panama City Beach | Bay | View map |
| 32417 | Panama City | Bay | View map |
| 32438 | Fountain | Bay | View map |
| 32444 | Lynn Haven | Bay | View map |
| 32466 | Youngstown | Bay | View map |
Demographics & statistics
180,727
Population
41.1
Median age
$66,906
Median household income
$36,814
Per capita income
$212,573
Median home value
$1,314
Median monthly rent
65.0%
Home ownership
13.1%
Poverty rate
4.8%
Unemployment
80,062
Housing units
26.5%
Bachelor's or higher
Age distribution
Male
Female
5,158
Under 5
4,912
5,326
5–9
5,071
5,622
10–14
5,353
5,021
15–19
4,781
5,392
20–24
5,134
12,380
25–34
11,788
11,676
35–44
11,118
11,699
45–54
11,140
6,493
55–59
6,183
7,159
60–64
6,816
9,987
65–74
9,509
4,868
75–84
4,635
1,796
85+
1,710
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 37,818 | 20.9% |
| 18 and over | 142,909 | 79.1% |
| 65 and over | 32,505 | 16.2% |
| Median age | 41.1 years | |
Race & ethnicity
White
74.3%
Black or African American
9.9%
Two or more races
6.5%
Hispanic or Latino
4.6%
Other race
2.2%
Asian
1.9%
American Indian / Alaska Native
0.5%
Native Hawaiian / Pacific Islander
0.1%
| Group | Count | % |
|---|---|---|
| White | 140,658 | 74.3% |
| Black or African American | 18,826 | 9.9% |
| Two or more races | 12,322 | 6.5% |
| Hispanic or Latino | 8,678 | 4.6% |
| Other race | 4,113 | 2.2% |
| Asian | 3,660 | 1.9% |
| American Indian / Alaska Native | 885 | 0.5% |
| Native Hawaiian / Pacific Islander | 263 | 0.1% |
Household income
Under $10k
4.0%
$10k–$15k
4.1%
$15k–$25k
8.2%
$25k–$35k
5.9%
$35k–$50k
12.6%
$50k–$75k
21.6%
$75k–$100k
14.4%
$100k–$150k
16.3%
$150k–$200k
5.8%
$200k+
7.0%
| Range | % of households |
|---|---|
| Under $10k | 4.0% |
| $10k–$15k | 4.1% |
| $15k–$25k | 8.2% |
| $25k–$35k | 5.9% |
| $35k–$50k | 12.6% |
| $50k–$75k | 21.6% |
| $75k–$100k | 14.4% |
| $100k–$150k | 16.3% |
| $150k–$200k | 5.8% |
| $200k+ | 7.0% |
| Median income | $66,906 |
Housing
Home values
Under $50k
7.6%
$50k–$100k
9.3%
$100k–$150k
8.9%
$150k–$200k
12.3%
$200k–$300k
21.2%
$300k–$500k
22.5%
$500k–$1M
7.7%
$1M+
1.5%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $212,573 |
| Median rent / month | $1,314 |
| Owner occupied | 65.0% |
| Renter occupied | 35.0% |
| Vacant | 24.8% |
| Single-family detached | 47.4% |
| Large apartment buildings | 11.4% |
| Mobile homes | 19.7% |
| Median rooms | 5.1 |
| Avg household size (owned) | 2.23 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.8% |
| 2010–2019 | 10.9% |
| 2000–2009 | 22.6% |
| 1990–1999 | 20.8% |
| 1980–1989 | 19.5% |
| 1970–1979 | 11.8% |
| 1960–1969 | 4.4% |
| 1950–1959 | 4.6% |
| 1940–1949 | 2.6% |
| 1939 or earlier | 2.0% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 1.7% |
| 1 bedroom | 6.5% |
| 2 bedrooms | 30.3% |
| 3 bedrooms | 46.6% |
| 4 bedrooms | 13.0% |
| 5+ bedrooms | 1.9% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 3.8% |
| 1 vehicle | 33.2% |
| 2 vehicles | 41.5% |
| 3 or more | 21.4% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 12.2% |
| Electricity | 83.5% |
| Propane / LP gas | 2.4% |
| Wood | 0.4% |
| Solar | 0.4% |
| No fuel used | 0.9% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 35,170 | 50.6% |
| Cohabiting couple | 5,561 | 6.5% |
| Male householder, no spouse | 13,652 | 18.8% |
| Female householder, no spouse | 19,924 | 24.1% |
| Households with children under 18 | 21,657 | 33.6% |
| Households with seniors (65+) | 23,030 | 28.2% |
| Average household size | 2.49 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 33.3% | 26.4% |
| Married | 49.7% | 48.0% |
| Separated | 1.9% | 2.7% |
| Widowed | 2.9% | 9.1% |
| Divorced | 12.1% | 13.9% |
Education
Less than 9th grade
2.8%
Some HS, no diploma
6.6%
HS graduate
27.4%
Some college, no degree
23.3%
Associate's degree
13.5%
Bachelor's degree
17.6%
Graduate / professional
8.9%
| Metric | % |
|---|---|
| HS diploma or higher | 90.6% |
| Bachelor's or higher | 26.5% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 2,306 | 5.4% |
| Kindergarten | 1,971 | 4.6% |
| Elementary school | 17,327 | 46.4% |
| High school | 8,533 | 20.4% |
| College / grad school | 8,786 | 23.3% |
Employment
Industry of employment
Education & healthcare
21.4%
Professional & management
12.2%
Arts, food & hospitality
12.1%
Retail trade
11.0%
Construction
10.2%
Public administration
8.4%
Manufacturing
6.5%
Other services
5.4%
Finance & real estate
5.2%
Transportation & utilities
3.6%
Wholesale trade
1.8%
Agriculture & mining
1.3%
Information
1.0%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 37.7% |
| Service | 18.1% |
| Sales & office | 23.0% |
| Natural resources & construction | 11.8% |
| Production & transportation | 9.3% |
Employment type
| Type | % |
|---|---|
| Private sector | 72.9% |
| Government | 18.3% |
| Self-employed | 8.5% |
| Unpaid family workers | 0.3% |
Commute
| Method | % |
|---|---|
| Drive alone | 77.5% |
| Carpool | 11.1% |
| Public transit | 0.5% |
| Walk | 2.0% |
| Other means | 1.3% |
| Avg commute (minutes) | 25.7 |
Poverty
All people
13.1%
Under 18 years
18.5%
18 and over
11.5%
Married-couple families
4.9%
Female-led households
23.4%
Income support
| Source | % of households |
|---|---|
| Social Security | 32.9% |
| Retirement income | 27.9% |
| Supplemental Security | 5.3% |
| Cash public assistance | 3.0% |
| Food stamps / SNAP | 13.5% |
Health indicators
| Condition | % |
|---|---|
| High blood pressure | 32.0% |
| High cholesterol | 30.8% |
| Heart disease | 6.4% |
| Stroke | 3.2% |
| Asthma | 9.3% |
| Arthritis | 23.8% |
| Kidney disease | 2.8% |
| Pulmonary disease | 8.3% |
| Cancer | 6.3% |
| Behavior / access | % |
|---|---|
| Binge drinking | 16.9% |
| No physical activity | 26.9% |
| Less than 7 hrs sleep | 34.0% |
| Fair or poor health | 16.2% |
| Poor mental health | 16.9% |
| Poor physical health | 12.1% |
| No health insurance | 19.7% |
| Visited doctor (checkup) | 73.5% |
| Visited dentist | 56.1% |
| Cholesterol screening | 88.9% |
| Teeth loss | 15.1% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 19,829 | 15.7% |
| Disability | % |
|---|---|
| Any disability | 19.7% |
| Under 18 | 8.1% |
| 18–64 years | 18.9% |
| 65 and over | 37.3% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 63.3% |
| Public insurance | 37.1% |
| Uninsured under 19 | 8.1% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 170,657 | 94.6% |
| Spanish | 6,069 | 3.1% |
| Other Indo-European | 3,855 | 1.9% |
| Asian & Pacific Islander | 506 | 0.3% |
| Other languages | 1,214 | 0.6% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 167,527 | 93.4% |
| Born in same state | 162,292 | 90.9% |
| Born in different state | 74,535 | 39.4% |
| Foreign born | 5,235 | 2.5% |
| Naturalized citizen | 13,200 | 6.6% |
| Not a US citizen | 6,836 | 52.4% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| French | 20,715 | 11.5% |
| Italian | 20,326 | 11.2% |
| Arab | 17,241 | 9.5% |
| Polish | 1,710 | 0.9% |
| English | 1,537 | 0.9% |
| Ancestry | Count | % |
|---|---|---|
| German | 744 | 0.4% |
| Irish | 521 | 0.3% |
| Norwegian | 404 | 0.2% |
| Dutch | 333 | 0.2% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 39.1% |
| Internet access | 96.1% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
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