32401 ZIP Code — Panama City, FL

Bay County, Florida

ZIP code 32401 is located in Panama City, Florida, within Bay County. It covers approximately 12.49 square miles and serves a population of 18,120 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32401

The housing stock consists of a mix of housing types. Most homes were built in the 1950s, giving the area an established character. Median home value is $172,200. Owner-occupancy sits near the national average at 57%.

Median household income is $46,603. Poverty affects 19% of residents, above the national average. SNAP benefit usage at 21% of households reflects economic stress in the area. 39% 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 21 minutes is near the national average.

College attainment at 19% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (25%) compared to national benchmarks. 19% of residents lack health insurance, above the national average.

Notable community characteristics include disability rates above the national average at 25%.

Overall, ZIP code 32401 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

18,120

population

12.49

sq mi land

Standard

ZIP type

Central (CT)

timezone

32401 ZIP code map

Cities in ZIP code 32401

Below are the cities the US Postal Service accepts for ZIP code 32401. 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

32461 Inlet Beach (0.5 mi) 32405 Panama City (3 mi) 32444 Lynn Haven (5 mi) 32408 Panama City (5.4 mi) 32407 Panama City Beach (8.3 mi) 32404 Panama City (10.2 mi) 32403 Panama City (11.6 mi) 32409 Panama City (12.5 mi) 32466 Youngstown (17 mi) 32413 Panama City Beach (19 mi)

Demographics updated 05/2026

Population
Total population	18,120
Population density	1,451 / sq mi
State FIPS	12
County FIPS	005

Geography
Land area	12.49 sq mi
Water area	17.62 sq mi
Latitude	30.1614
Longitude	-85.6688
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	61.5%	43.3%	43.4%
$50k – $100k	28.4%	34.8%	30.8%
$100k – $200k	7.8%	17.8%	19.3%
Over $200k	2.3%	4.2%	6.4%

Demographics & statistics

18,120

Population

1,451

People per sq mi

45.7

Median age

$46,603

Median household income

$32,275

Per capita income

$172,200

Median home value

$1,055

Median monthly rent

56.7%

Home ownership

19.3%

Poverty rate

6.0%

Unemployment

6,212

Housing units

19.4%

Bachelor's or higher

Age distribution

Male Female

534

Under 5

539

376

5–9

380

429

10–14

434

401

15–19

405

588

20–24

594

1,080

25–34

1,091

1,029

35–44

1,039

1,190

45–54

1,203

772

55–59

779

760

60–64

767

1,044

65–74

1,055

501

75–84

507

310

85+

313

← Male

Female →

Age summary

Group	Count	%
Under 18	3,152	17.4%
18 and over	14,968	82.6%
65 and over	3,730	20.6%
Median age	45.7 years

Race & ethnicity

White 62.1%

Black or African American 20.9%

Two or more races 7.5%

Hispanic or Latino 4.6%

Other race 2.2%

Asian 2.2%

American Indian / Alaska Native 0.3%

Native Hawaiian / Pacific Islander 0.2%

Group	Count	%
White	11,795	62.1%
Black or African American	3,963	20.9%
Two or more races	1,421	7.5%
Hispanic or Latino	882	4.6%
Other race	427	2.2%
Asian	421	2.2%
American Indian / Alaska Native	51	0.3%
Native Hawaiian / Pacific Islander	42	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	61.5%	43.3%	43.4%
$50k – $100k	28.4%	34.8%	30.8%
$100k – $200k	7.8%	17.8%	19.3%
Over $200k	2.3%	4.2%	6.4%

Under $10k 8.2%

$10k–$15k 5.3%

$15k–$25k 14.4%

$25k–$35k 5.4%

$35k–$50k 19.7%

$50k–$75k 23.1%

$75k–$100k 7.9%

$100k–$150k 9.8%

$150k–$200k 2.4%

$200k+ 3.9%

Range	% of households
Under $10k	8.2%
$10k–$15k	5.3%
$15k–$25k	14.4%
$25k–$35k	5.4%
$35k–$50k	19.7%
$50k–$75k	23.1%
$75k–$100k	7.9%
$100k–$150k	9.8%
$150k–$200k	2.4%
$200k+	3.9%
Median income	$46,603

Housing

Home values

Under $50k 7.0%

$50k–$100k 19.6%

$100k–$150k 15.7%

$150k–$200k 17.7%

$200k–$300k 19.2%

$300k–$500k 11.7%

$500k–$1M 6.8%

$1M+ 2.4%

Housing overview

Metric	Value
Median home value	$172,200
Median rent / month	$1,055
Owner occupied	56.7%
Renter occupied	43.3%
Vacant	13.4%
Single-family detached	63.0%
Large apartment buildings	6.0%
Mobile homes	8.0%
Median rooms	5.2
Avg household size (owned)	2.15

Year built

Era	%
2020 or later	0.2%
2010–2019	5.2%
2000–2009	11.2%
1990–1999	8.0%
1980–1989	10.7%
1970–1979	10.1%
1960–1969	10.8%
1950–1959	17.0%
1940–1949	17.4%
1939 or earlier	9.4%

Bedrooms

Size	% of units
No bedroom (studio)	1.5%
1 bedroom	11.3%
2 bedrooms	34.4%
3 bedrooms	40.4%
4 bedrooms	10.4%
5+ bedrooms	2.0%

Vehicles per household

Vehicles	% of households
No vehicle	7.8%
1 vehicle	48.8%
2 vehicles	30.2%
3 or more	13.2%

Heating fuel

Fuel type	%
Utility gas	8.2%
Electricity	88.1%
Propane / LP gas	1.4%
Solar	0.2%
No fuel used	2.0%

Households & families

Household type	Count	%
Married-couple family	2,389	27.7%
Cohabiting couple	780	9.1%
Male householder, no spouse	2,093	24.3%
Female householder, no spouse	3,351	38.9%
Households with children under 18	1,771	20.6%
Households with seniors (65+)	2,779	32.3%
Average household size	2.05

Marital status

Status	Male	Female
Never married	40.7%	28.0%
Married	35.4%	31.3%
Separated	4.5%	3.7%
Widowed	3.9%	17.0%
Divorced	15.5%	20.0%

Education

Less than 9th grade 6.6%

Some HS, no diploma 8.9%

HS graduate 33.9%

Some college, no degree 22.8%

Associate's degree 8.4%

Bachelor's degree 12.0%

Graduate / professional 7.4%

Metric	%
HS diploma or higher	84.5%
Bachelor's or higher	19.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	183	6.1%
Kindergarten	228	7.6%
Elementary school	1,352	45.1%
High school	604	20.2%
College / grad school	629	21.0%

Employment

Industry of employment

Education & healthcare 20.4%

Professional & management 16.2%

Arts, food & hospitality 11.3%

Construction 9.9%

Retail trade 8.4%

Public administration 7.8%

Finance & real estate 6.1%

Transportation & utilities 5.4%

Manufacturing 4.7%

Other services 4.6%

Wholesale trade 2.8%

Agriculture & mining 1.4%

Information 1.1%

Occupation

Category	%
Management, business & arts	34.8%
Service	22.9%
Sales & office	17.2%
Natural resources & construction	11.3%
Production & transportation	13.7%

Employment type

Type	%
Private sector	76.2%
Government	18.4%
Self-employed	5.2%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	72.4%
Carpool	17.3%
Public transit	0.5%
Walk	1.5%
Work from home	5.2%
Other means	3.0%
Avg commute (minutes)	20.7

Poverty

All people 19.3%

Under 18 years 24.5%

18 and over 18.3%

Married-couple families 6.7%

Female-led households 37.3%

Income support

Source	% of households
Social Security	39.3%
Retirement income	22.5%
Supplemental Security	5.9%
Cash public assistance	3.7%
Food stamps / SNAP	21.3%

Health indicators

Condition	%
Obesity	35.0%
High blood pressure	40.4%
High cholesterol	33.4%
Diabetes	15.0%
Heart disease	8.6%
Stroke	4.9%
Asthma	10.4%
Arthritis	29.4%
Kidney disease	4.0%
Pulmonary disease	11.2%
Cancer	7.1%

Behavior / access	%
Smoking	25.0%
Binge drinking	13.7%
No physical activity	34.8%
Less than 7 hrs sleep	37.2%
Depression	21.7%
Fair or poor health	23.4%
Poor mental health	17.7%
Poor physical health	15.7%
No health insurance	23.5%
Visited doctor (checkup)	77.1%
Visited dentist	47.6%
Cholesterol screening	89.3%
Teeth loss	22.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,502	10.1%

Disability	%
Any disability	25.0%
Under 18	11.8%
18–64 years	23.5%
65 and over	41.8%

Health insurance coverage

Type	%
Private insurance	49.8%
Public insurance	43.9%
No insurance	18.5%
Uninsured under 19	9.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	17,047	94.1%
Spanish	683	4.0%
Other Indo-European	533	3.1%
Asian & Pacific Islander	48	0.3%
Other languages	98	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	16,892	93.2%
Born in same state	16,433	90.7%
Born in different state	8,984	49.6%
Foreign born	459	2.5%
Naturalized citizen	1,228	6.8%
Not a US citizen	365	29.7%

Ancestry

Ancestry	Count	%
Italian	2,139	11.8%
French	1,832	10.1%
Arab	1,823	10.1%
English	193	1.1%
Polish	88	0.5%

Ancestry	Count	%
German	47	0.3%
Dutch	37	0.2%
Norwegian	28	0.2%
Irish	15	0.1%

Technology access

Metric	% of households
Computer access	47.5%
Internet access	91.1%

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

Frequently asked questions about ZIP code 32401

What city is ZIP code 32401 in?

ZIP code 32401 is primarily assigned to Panama City, Florida.

What county is ZIP code 32401 in?

ZIP code 32401 falls within Bay County, Florida.

What is the poverty rate in ZIP code 32401?

19% of residents in ZIP code 32401 live below the poverty line, above the national average.

Does ZIP code 32401 have a large retiree population?

39% of households in ZIP code 32401 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 32401 have a large veteran population?

10% of civilians in ZIP code 32401 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 32401?

The median home value in ZIP code 32401 is $172,200.

What timezone is ZIP code 32401 in?

ZIP code 32401 observes the CST timezone.