32403 ZIP Code — Panama City, FL

Bay County, Florida

ZIP code 32403 is located in Panama City, Florida, within Bay County. It covers approximately 44.22 square miles and serves a population of 746 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32403

The housing stock consists of a mix of housing types. Most homes were built in the 1990s, giving the area an established character.

Median household income is $90,104.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 14 minutes is near the national average.

Educational attainment is near the national average, with 43% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 34% of civilians, above the national average of 7%.

746

population

44.22

sq mi land

Standard

ZIP type

Central (CT)

timezone

32403 ZIP code map

Cities in ZIP code 32403

Below are the cities the US Postal Service accepts for ZIP code 32403. Using any city not on this list may result in mail delivery delays.

City	Status
Panama City	Acceptable
Panama City	Preferred

Nearby ZIP codes

32404 Panama City (10.9 mi) 32461 Inlet Beach (11.1 mi) 32401 Panama City (11.6 mi) 32405 Panama City (14 mi) 32444 Lynn Haven (14.8 mi) 32408 Panama City (15.5 mi) 32407 Panama City Beach (19.5 mi)

Demographics updated 05/2026

Population
Total population	746
Population density	17 / sq mi
State FIPS	12
County FIPS	005

Geography
Land area	44.22 sq mi
Water area	30.17 sq mi
Latitude	30.0370
Longitude	-85.5384
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	31.5%	43.3%	43.4%
$50k – $100k	42.2%	34.8%	30.8%
$100k – $200k	24.9%	17.8%	19.3%
Over $200k	1.4%	4.2%	6.4%

Demographics & statistics

746

Population

People per sq mi

22.0

Median age

$90,104

Median household income

$26,942

Per capita income

Median home value

$1,712

Median monthly rent

0.0%

Home ownership

0.0%

Poverty rate

9.8%

Unemployment

Housing units

42.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

206

20–24

144

25–34

35–44

45–54

60–64

← Male

Female →

Age summary

Group	Count	%
Under 18	149	20.0%
18 and over	597	80.0%
65 and over	0	0.0%
Median age	22.0 years

Race & ethnicity

White 80.4%

Black or African American 12%

Asian 3.4%

Two or more races 2.4%

Hispanic or Latino 1.5%

Native Hawaiian / Pacific Islander 0.3%

Group	Count	%
White	609	80.4%
Black or African American	91	12%
Asian	26	3.4%
Two or more races	18	2.4%
Hispanic or Latino	11	1.5%
Native Hawaiian / Pacific Islander	2	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	31.5%	43.3%	43.4%
$50k – $100k	42.2%	34.8%	30.8%
$100k – $200k	24.9%	17.8%	19.3%
Over $200k	1.4%	4.2%	6.4%

$35k–$50k 5.3%

$50k–$75k 37.6%

$75k–$100k 27.1%

$100k–$150k 23.3%

$200k+ 6.8%

Range	% of households
$35k–$50k	5.3%
$50k–$75k	37.6%
$75k–$100k	27.1%
$100k–$150k	23.3%
$200k+	6.8%
Median income	$90,104

Housing

Home values

Housing overview

Metric	Value
Median home value	$0
Median rent / month	$1,712
Owner occupied	0.0%
Renter occupied	100.0%
Vacant	40.9%
Single-family detached	24.0%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	5.2
Avg household size (owned)	0.00

Year built

Era	%
2020 or later	0.0%
2010–2019	19.1%
2000–2009	15.1%
1990–1999	29.8%
1980–1989	7.1%
1970–1979	15.1%
1960–1969	0.0%
1950–1959	9.3%
1940–1949	0.0%
1939 or earlier	4.4%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.0%
2 bedrooms	33.8%
3 bedrooms	58.2%
4 bedrooms	8.0%
5+ bedrooms	0.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	27.1%
2 vehicles	52.6%
3 or more	20.3%

Heating fuel

Fuel type	%
Utility gas	66.2%
Electricity	33.8%

Households & families

Household type	Count	%
Married-couple family	104	78.2%
Cohabiting couple	0	0.0%
Male householder, no spouse	29	21.8%
Female householder, no spouse	0	0.0%
Households with children under 18	92	69.2%
Households with seniors (65+)	0	0.0%
Average household size	2.98

Marital status

Status	Male	Female
Never married	71.1%	54.6%
Married	27.8%	39.6%
Separated	1.1%	0.0%
Widowed	0.0%	0.8%
Divorced	0.0%	5.0%

Education

Less than 9th grade 0.0%

Some HS, no diploma 0.0%

HS graduate 9.0%

Some college, no degree 17.4%

Associate's degree 30.8%

Bachelor's degree 30.8%

Graduate / professional 11.9%

Metric	%
HS diploma or higher	100.0%
Bachelor's or higher	42.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	10	5.5%
Kindergarten	7	3.8%
Elementary school	72	39.3%
High school	24	13.1%
College / grad school	70	38.3%

Employment

Industry of employment

Education & healthcare 46.7%

Professional & management 22.8%

Arts, food & hospitality 10.9%

Public administration 10.9%

Other services 8.7%

Occupation

Category	%
Management, business & arts	53.3%
Service	21.7%
Sales & office	25.0%
Natural resources & construction	0.0%
Production & transportation	0.0%

Employment type

Type	%
Private sector	75.0%
Government	25.0%
Self-employed	0.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	71.9%
Carpool	7.6%
Public transit	0.0%
Walk	13.0%
Work from home	7.2%
Other means	0.4%
Avg commute (minutes)	14.0

Poverty

All people 0.0%

Under 18 years 0.0%

18 and over 0.0%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	5.3%
Retirement income	24.8%
Supplemental Security	0.0%
Cash public assistance	0.0%
Food stamps / SNAP	5.3%

Health indicators

Condition	%
Obesity	24.8%
High blood pressure	14.1%
High cholesterol	14.2%
Diabetes	3.0%
Heart disease	1.4%
Stroke	0.8%
Asthma	8.8%
Arthritis	7.5%
Kidney disease	1.0%
Pulmonary disease	2.6%
Cancer	1.6%

Behavior / access	%
Smoking	15.1%
Binge drinking	23.8%
No physical activity	17.9%
Less than 7 hrs sleep	32.9%
Depression	21.6%
Fair or poor health	8.0%
Poor mental health	18.3%
Poor physical health	6.0%
No health insurance	19.3%
Visited doctor (checkup)	66.4%
Visited dentist	60.2%
Cholesterol screening	81.9%
Teeth loss	8.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	60	34.1%

Disability	%
Any disability	9.1%
Under 18	0.0%
18–64 years	17.3%
65 and over	0.0%

Health insurance coverage

Type	%
Private insurance	86.1%
Public insurance	14.5%
No insurance	4.4%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	700	93.8%
Spanish	20	2.9%
Other Indo-European	4	0.6%
Asian & Pacific Islander	10	1.4%
Other languages	4	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	704	94.4%
Born in same state	689	92.4%
Born in different state	76	10.2%
Foreign born	15	2.0%
Naturalized citizen	42	5.6%
Not a US citizen	25	59.5%

Ancestry

Ancestry	Count	%
Italian	128	17.2%
French	98	13.1%

Ancestry	Count	%
Arab	47	6.3%

Technology access

Metric	% of households
Computer access	17.8%
Internet access	100.0%

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

Frequently asked questions about ZIP code 32403

What city is ZIP code 32403 in?

ZIP code 32403 is primarily assigned to Panama City, Florida.

What county is ZIP code 32403 in?

ZIP code 32403 falls within Bay County, Florida.

Does ZIP code 32403 have a large veteran population?

34% of civilians in ZIP code 32403 are veterans, above the national average of ~7%.

What is the population of ZIP code 32403?

ZIP code 32403 has an estimated population of 746 residents, with a density of 17 people per square mile.

What is the median household income in ZIP code 32403?

The median household income in ZIP code 32403 is $90,104, above the national median of ~$75,000.

What timezone is ZIP code 32403 in?

ZIP code 32403 observes the CST timezone.