32413 ZIP Code — Panama City Beach, FL

Bay County, Florida

ZIP code 32413 is located in Panama City Beach, Florida, within Bay County. It covers approximately 108.23 square miles and serves a population of 14,820 residents. This is a po box ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32413

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 $348,600. Owner-occupancy sits near the national average at 73%.

The gap between median ($75,970) and mean household income suggests income inequality — a small number of higher earners pull the average up. 36% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with arts, entertainment, and food service as the leading industry. The average commute of 21 minutes is near the national average.

Educational attainment is near the national average, with 34% of residents holding a bachelor's degree or higher.

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

Overall, ZIP code 32413 reflects a community defined by a strong veteran community and a significant Social Security-dependent population.

14,820

population

108.23

sq mi land

PO Box

ZIP type

Central (CT)

timezone

32413 ZIP code map

Cities in ZIP code 32413

Below are the cities the US Postal Service accepts for ZIP code 32413. 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

32437 Ebro (7.8 mi) 32407 Panama City Beach (10.8 mi) 32409 Panama City (13.2 mi) 32462 Vernon (13.4 mi) 32459 Santa Rosa Beach (13.7 mi) 32408 Panama City (15 mi) 32405 Panama City (17.4 mi) 32444 Lynn Haven (18.3 mi) 32439 Freeport (18.4 mi) 32401 Panama City (19 mi) 32461 Inlet Beach (19.5 mi)

Demographics updated 05/2026

Population
Total population	14,820
Population density	137 / sq mi
State FIPS	12
County FIPS	005

Geography
Land area	108.23 sq mi
Water area	19.59 sq mi
Latitude	30.3092
Longitude	-85.9367
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	31.3%	43.3%	43.4%
$50k – $100k	33.6%	34.8%	30.8%
$100k – $200k	24.9%	17.8%	19.3%
Over $200k	10.3%	4.2%	6.4%

Demographics & statistics

14,820

Population

137

People per sq mi

52.4

Median age

$75,970

Median household income

$52,185

Per capita income

$348,600

Median home value

$1,460

Median monthly rent

72.8%

Home ownership

8.7%

Poverty rate

2.7%

Unemployment

13,600

Housing units

34.2%

Bachelor's or higher

Age distribution

Male Female

178

Under 5

171

224

5–9

215

260

10–14

250

314

15–19

301

466

20–24

448

728

25–34

700

851

35–44

818

1,029

45–54

990

720

55–59

693

976

60–64

939

1,160

65–74

1,116

474

75–84

456

175

85+

168

← Male

Female →

Age summary

Group	Count	%
Under 18	1,784	12.0%
18 and over	13,036	88.0%
65 and over	3,549	23.9%
Median age	52.4 years

Race & ethnicity

White 86.5%

Hispanic or Latino 5.1%

Two or more races 4.4%

Other race 2.3%

Black or African American 1.1%

American Indian / Alaska Native 0.4%

Asian 0.1%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	13,512	86.5%
Hispanic or Latino	794	5.1%
Two or more races	688	4.4%
Other race	357	2.3%
Black or African American	164	1.1%
American Indian / Alaska Native	59	0.4%
Asian	22	0.1%
Native Hawaiian / Pacific Islander	18	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	31.3%	43.3%	43.4%
$50k – $100k	33.6%	34.8%	30.8%
$100k – $200k	24.9%	17.8%	19.3%
Over $200k	10.3%	4.2%	6.4%

Under $10k 3.8%

$10k–$15k 1.4%

$15k–$25k 5.7%

$25k–$35k 4.1%

$35k–$50k 14.7%

$50k–$75k 18.9%

$75k–$100k 16.4%

$100k–$150k 16.2%

$150k–$200k 7.0%

$200k+ 11.9%

Range	% of households
Under $10k	3.8%
$10k–$15k	1.4%
$15k–$25k	5.7%
$25k–$35k	4.1%
$35k–$50k	14.7%
$50k–$75k	18.9%
$75k–$100k	16.4%
$100k–$150k	16.2%
$150k–$200k	7.0%
$200k+	11.9%
Median income	$75,970

Housing

Home values

Under $50k 5.0%

$50k–$100k 2.7%

$100k–$150k 3.9%

$150k–$200k 6.2%

$200k–$300k 20.3%

$300k–$500k 41.5%

$500k–$1M 17.5%

$1M+ 3.0%

Housing overview

Metric	Value
Median home value	$348,600
Median rent / month	$1,460
Owner occupied	72.8%
Renter occupied	27.2%
Vacant	53.9%
Single-family detached	44.8%
Large apartment buildings	26.3%
Mobile homes	8.6%
Median rooms	4.3
Avg household size (owned)	2.14

Year built

Era	%
2020 or later	0.9%
2010–2019	9.4%
2000–2009	30.9%
1990–1999	15.8%
1980–1989	22.7%
1970–1979	13.8%
1960–1969	2.4%
1950–1959	2.1%
1940–1949	1.6%
1939 or earlier	0.4%

Bedrooms

Size	% of units
No bedroom (studio)	3.0%
1 bedroom	11.4%
2 bedrooms	41.5%
3 bedrooms	32.0%
4 bedrooms	10.6%
5+ bedrooms	1.5%

Vehicles per household

Vehicles	% of households
No vehicle	1.7%
1 vehicle	37.4%
2 vehicles	40.2%
3 or more	20.7%

Heating fuel

Fuel type	%
Utility gas	6.9%
Electricity	90.6%
Propane / LP gas	0.9%
Solar	0.3%
No fuel used	0.7%

Households & families

Household type	Count	%
Married-couple family	3,342	46.6%
Cohabiting couple	753	10.5%
Male householder, no spouse	1,358	19.0%
Female householder, no spouse	1,711	23.9%
Households with children under 18	1,185	16.5%
Households with seniors (65+)	2,435	34.0%
Average household size	2.07

Marital status

Status	Male	Female
Never married	29.8%	20.9%
Married	52.2%	48.9%
Separated	1.1%	1.0%
Widowed	0.9%	9.8%
Divorced	16.0%	19.3%

Education

Less than 9th grade 2.4%

Some HS, no diploma 4.1%

HS graduate 23.8%

Some college, no degree 21.6%

Associate's degree 13.9%

Bachelor's degree 22.1%

Graduate / professional 12.1%

Metric	%
HS diploma or higher	93.5%
Bachelor's or higher	34.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	109	5.4%
Kindergarten	0	0.0%
Elementary school	780	38.7%
High school	583	28.9%
College / grad school	542	26.9%

Employment

Industry of employment

Arts, food & hospitality 18.7%

Retail trade 16.7%

Education & healthcare 16.3%

Construction 10.4%

Finance & real estate 8.9%

Professional & management 8.8%

Manufacturing 5.2%

Public administration 5.1%

Wholesale trade 3.1%

Other services 3.1%

Transportation & utilities 2.8%

Information 0.4%

Agriculture & mining 0.3%

Occupation

Category	%
Management, business & arts	44.4%
Service	16.1%
Sales & office	25.4%
Natural resources & construction	8.4%
Production & transportation	5.7%

Employment type

Type	%
Private sector	75.2%
Government	17.0%
Self-employed	7.6%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	75.2%
Carpool	10.5%
Public transit	0.1%
Walk	0.6%
Work from home	11.1%
Other means	2.5%
Avg commute (minutes)	21.3

Poverty

All people 8.7%

Under 18 years 7.7%

18 and over 8.9%

Married-couple families 3.3%

Female-led households 8.2%

Income support

Source	% of households
Social Security	36.0%
Retirement income	32.1%
Supplemental Security	3.2%
Cash public assistance	0.6%
Food stamps / SNAP	4.3%

Health indicators

Condition	%
Obesity	28.1%
High blood pressure	32.9%
High cholesterol	33.5%
Diabetes	10.1%
Heart disease	6.6%
Stroke	2.9%
Asthma	8.5%
Arthritis	25.2%
Kidney disease	2.8%
Pulmonary disease	7.6%
Cancer	7.5%

Behavior / access	%
Smoking	17.7%
Binge drinking	16.4%
No physical activity	23.8%
Less than 7 hrs sleep	31.8%
Depression	20.4%
Fair or poor health	13.6%
Poor mental health	14.7%
Poor physical health	10.9%
No health insurance	16.6%
Visited doctor (checkup)	74.6%
Visited dentist	62.6%
Cholesterol screening	91.6%
Teeth loss	11.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,668	12.9%

Disability	%
Any disability	16.9%
Under 18	10.3%
18–64 years	13.1%
65 and over	30.4%

Health insurance coverage

Type	%
Private insurance	71.7%
Public insurance	34.5%
No insurance	10.8%
Uninsured under 19	7.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	14,471	97.6%
Spanish	584	4.0%
Other Indo-European	484	3.3%
Asian & Pacific Islander	42	0.3%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	13,707	92.5%
Born in same state	13,187	89.0%
Born in different state	3,824	25.8%
Foreign born	520	3.5%
Naturalized citizen	1,113	7.5%
Not a US citizen	585	52.6%

Ancestry

Ancestry	Count	%
Italian	2,595	17.5%
French	2,313	15.6%
Arab	1,324	8.9%
Polish	169	1.1%
Irish	162	1.1%

Ancestry	Count	%
English	157	1.1%
German	153	1%
Norwegian	32	0.2%
Dutch	29	0.2%

Technology access

Metric	% of households
Computer access	48.3%
Internet access	97.6%

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

Frequently asked questions about ZIP code 32413

What city is ZIP code 32413 in?

ZIP code 32413 is primarily assigned to Panama City Beach, Florida.

What county is ZIP code 32413 in?

ZIP code 32413 falls within Bay County, Florida.

Does ZIP code 32413 have a large veteran population?

13% of civilians in ZIP code 32413 are veterans, above the national average of ~7%.

Does ZIP code 32413 have a large retiree population?

36% of households in ZIP code 32413 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 32413?

The median home value in ZIP code 32413 is $348,600.

What is the population of ZIP code 32413?

ZIP code 32413 has an estimated population of 14,820 residents, with a density of 137 people per square mile.

What timezone is ZIP code 32413 in?

ZIP code 32413 observes the CST timezone.