32408 ZIP Code — Panama City, FL

Bay County, Florida

ZIP code 32408 is located in Panama City, Florida, within Bay County. It covers approximately 8.57 square miles and serves a population of 18,594 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32408

The housing stock consists of a significant share of large multi-unit buildings. Most homes were built in the 1980s, giving the area an established character. Median home value is $318,200. Owner-occupancy sits near the national average at 70%.

The gap between median ($64,561) and mean household income suggests income inequality — a small number of higher earners pull the average up. 33% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 22 minutes is near the national average.

Educational attainment is near the national average, with 38% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 14% of civilians, above the national average of 7%.

Overall, ZIP code 32408 reflects a community defined by a strong veteran community and a significant Social Security-dependent population.

18,594

population

8.57

sq mi land

Standard

ZIP type

Central (CT)

timezone

32408 ZIP code map

Cities in ZIP code 32408

Below are the cities the US Postal Service accepts for ZIP code 32408. Using any city not on this list may result in mail delivery delays.

City	Status
Panama City	Acceptable
Panama City	Acceptable
Panama City	Preferred

Nearby ZIP codes

32407 Panama City Beach (4.5 mi) 32401 Panama City (5.4 mi) 32461 Inlet Beach (5.9 mi) 32405 Panama City (6.2 mi) 32444 Lynn Haven (8.7 mi) 32409 Panama City (12.9 mi) 32413 Panama City Beach (15 mi) 32403 Panama City (15.5 mi) 32404 Panama City (15.6 mi)

Demographics updated 05/2026

Population
Total population	18,594
Population density	2,170 / sq mi
State FIPS	12
County FIPS	005

Geography
Land area	8.57 sq mi
Water area	4.27 sq mi
Latitude	30.1546
Longitude	-85.7594
Timezone	Central (CT)
Area code	850

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.6%	43.3%	43.4%
$50k – $100k	33.5%	34.8%	30.8%
$100k – $200k	18.6%	17.8%	19.3%
Over $200k	6.3%	4.2%	6.4%

Demographics & statistics

18,594

Population

2,170

People per sq mi

46.6

Median age

$64,561

Median household income

$47,649

Per capita income

$318,200

Median home value

$1,295

Median monthly rent

70.1%

Home ownership

8.0%

Poverty rate

3.7%

Unemployment

14,443

Housing units

38.4%

Bachelor's or higher

Age distribution

Male Female

421

Under 5

409

454

5–9

440

457

10–14

444

297

15–19

288

264

20–24

256

1,537

25–34

1,490

1,100

35–44

1,067

1,313

45–54

1,274

810

55–59

786

764

60–64

742

1,230

65–74

1,193

627

75–84

609

163

85+

159

← Male

Female →

Age summary

Group	Count	%
Under 18	2,955	15.9%
18 and over	15,639	84.1%
65 and over	3,981	21.4%
Median age	46.6 years

Race & ethnicity

White 84.6%

Black or African American 4.5%

Two or more races 3.5%

Hispanic or Latino 2.9%

Other race 2.1%

Asian 1.7%

American Indian / Alaska Native 0.7%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	16,202	84.6%
Black or African American	859	4.5%
Two or more races	665	3.5%
Hispanic or Latino	555	2.9%
Other race	393	2.1%
Asian	332	1.7%
American Indian / Alaska Native	133	0.7%
Native Hawaiian / Pacific Islander	10	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.6%	43.3%	43.4%
$50k – $100k	33.5%	34.8%	30.8%
$100k – $200k	18.6%	17.8%	19.3%
Over $200k	6.3%	4.2%	6.4%

Under $10k 3.1%

$10k–$15k 3.1%

$15k–$25k 5.8%

$25k–$35k 7.2%

$35k–$50k 13.2%

$50k–$75k 22.4%

$75k–$100k 13.3%

$100k–$150k 15.2%

$150k–$200k 6.8%

$200k+ 9.9%

Range	% of households
Under $10k	3.1%
$10k–$15k	3.1%
$15k–$25k	5.8%
$25k–$35k	7.2%
$35k–$50k	13.2%
$50k–$75k	22.4%
$75k–$100k	13.3%
$100k–$150k	15.2%
$150k–$200k	6.8%
$200k+	9.9%
Median income	$64,561

Housing

Home values

Under $50k 2.8%

$50k–$100k 3.9%

$100k–$150k 6.7%

$150k–$200k 11.7%

$200k–$300k 20.7%

$300k–$500k 34.2%

$500k–$1M 16.6%

$1M+ 3.4%

Housing overview

Metric	Value
Median home value	$318,200
Median rent / month	$1,295
Owner occupied	70.1%
Renter occupied	29.9%
Vacant	47.7%
Single-family detached	36.0%
Large apartment buildings	33.4%
Mobile homes	8.4%
Median rooms	4.1
Avg household size (owned)	2.10

Year built

Era	%
2020 or later	0.9%
2010–2019	5.4%
2000–2009	28.0%
1990–1999	11.6%
1980–1989	37.3%
1970–1979	13.1%
1960–1969	2.6%
1950–1959	0.9%
1940–1949	0.0%
1939 or earlier	0.1%

Bedrooms

Size	% of units
No bedroom (studio)	4.1%
1 bedroom	16.4%
2 bedrooms	37.6%
3 bedrooms	34.2%
4 bedrooms	6.8%
5+ bedrooms	0.8%

Vehicles per household

Vehicles	% of households
No vehicle	2.4%
1 vehicle	41.1%
2 vehicles	39.9%
3 or more	16.6%

Heating fuel

Fuel type	%
Utility gas	8.0%
Electricity	89.2%
Propane / LP gas	1.9%
Solar	0.3%

Households & families

Household type	Count	%
Married-couple family	4,073	45.5%
Cohabiting couple	765	8.5%
Male householder, no spouse	1,929	21.6%
Female householder, no spouse	2,182	24.4%
Households with children under 18	1,978	22.1%
Households with seniors (65+)	2,845	31.8%
Average household size	2.07

Marital status

Status	Male	Female
Never married	27.4%	21.7%
Married	53.1%	52.0%
Separated	0.7%	2.4%
Widowed	3.0%	8.9%
Divorced	15.8%	15.0%

Education

Less than 9th grade 1.1%

Some HS, no diploma 3.6%

HS graduate 20.7%

Some college, no degree 22.0%

Associate's degree 14.3%

Bachelor's degree 25.0%

Graduate / professional 13.4%

Metric	%
HS diploma or higher	95.4%
Bachelor's or higher	38.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	168	5.3%
Kindergarten	210	6.6%
Elementary school	1,400	44.0%
High school	539	16.9%
College / grad school	866	27.2%

Employment

Industry of employment

Education & healthcare 19.9%

Arts, food & hospitality 14.2%

Professional & management 12.6%

Finance & real estate 9.8%

Retail trade 9.3%

Public administration 9.2%

Construction 8.8%

Transportation & utilities 4.7%

Manufacturing 4.0%

Other services 3.3%

Wholesale trade 1.7%

Information 1.6%

Agriculture & mining 0.8%

Occupation

Category	%
Management, business & arts	39.0%
Service	19.9%
Sales & office	21.3%
Natural resources & construction	11.5%
Production & transportation	8.2%

Employment type

Type	%
Private sector	71.2%
Government	16.5%
Self-employed	12.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	76.0%
Carpool	10.1%
Public transit	0.3%
Walk	0.4%
Work from home	11.4%
Other means	1.7%
Avg commute (minutes)	21.5

Poverty

All people 8.0%

Under 18 years 8.5%

18 and over 7.9%

Married-couple families 2.9%

Female-led households 11.2%

Income support

Source	% of households
Social Security	32.5%
Retirement income	30.3%
Supplemental Security	3.5%
Cash public assistance	2.2%
Food stamps / SNAP	9.2%

Health indicators

Condition	%
Obesity	29.3%
High blood pressure	32.1%
High cholesterol	31.9%
Diabetes	10.0%
Heart disease	6.5%
Stroke	3.0%
Asthma	8.9%
Arthritis	24.4%
Kidney disease	2.8%
Pulmonary disease	7.8%
Cancer	6.8%

Behavior / access	%
Smoking	19.2%
Binge drinking	16.6%
No physical activity	24.9%
Less than 7 hrs sleep	32.5%
Depression	21.4%
Fair or poor health	14.6%
Poor mental health	15.8%
Poor physical health	11.4%
No health insurance	17.5%
Visited doctor (checkup)	74.1%
Visited dentist	59.3%
Cholesterol screening	90.2%
Teeth loss	12.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,173	14.0%

Disability	%
Any disability	18.8%
Under 18	7.0%
18–64 years	16.3%
65 and over	34.9%

Health insurance coverage

Type	%
Private insurance	67.4%
Public insurance	40.1%
No insurance	10.9%
Uninsured under 19	11.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	17,764	95.5%
Spanish	465	2.6%
Other Indo-European	250	1.4%
Asian & Pacific Islander	87	0.5%
Other languages	128	0.7%

Place of birth & citizenship

Origin	Count	%
Native born (US)	16,751	90.1%
Born in same state	16,334	87.8%
Born in different state	4,743	25.5%
Foreign born	417	2.2%
Naturalized citizen	1,843	9.9%
Not a US citizen	1,221	66.3%

Ancestry

Ancestry	Count	%
French	2,517	13.5%
Italian	1,901	10.2%
Arab	1,684	9.1%
English	368	2%
Polish	285	1.5%

Ancestry	Count	%
Norwegian	148	0.8%
Dutch	55	0.3%
Irish	52	0.3%
German	35	0.2%

Technology access

Metric	% of households
Computer access	48.1%
Internet access	97.6%

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

Frequently asked questions about ZIP code 32408

What city is ZIP code 32408 in?

ZIP code 32408 is primarily assigned to Panama City, Florida.

What county is ZIP code 32408 in?

ZIP code 32408 falls within Bay County, Florida.

Does ZIP code 32408 have a large veteran population?

14% of civilians in ZIP code 32408 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 32408?

The median home value in ZIP code 32408 is $318,200.

What is the population of ZIP code 32408?

ZIP code 32408 has an estimated population of 18,594 residents, with a density of 2,169 people per square mile.

What is the median household income in ZIP code 32408?

The median household income in ZIP code 32408 is $64,561, below the national median of ~$75,000.

What timezone is ZIP code 32408 in?

ZIP code 32408 observes the CST timezone.