32404 ZIP Code — Panama City, FL

Bay County, Florida

ZIP code 32404 is located in Panama City, Florida, within Bay County. It covers approximately 135.07 square miles and serves a population of 40,969 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32404

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $211,100. Owner-occupancy sits near the national average at 72%.

Median household income is $66,230. 31% 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 27 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 (23%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 17% of civilians, above the national average of 7%.

Overall, ZIP code 32404 reflects a community defined by a trades-oriented workforce, a strong veteran community, and a significant Social Security-dependent population.

40,969

population

135.07

sq mi land

Standard

ZIP type

Central (CT)

timezone

32404 ZIP code map

Cities in ZIP code 32404

Below are the cities the US Postal Service accepts for ZIP code 32404. Using any city not on this list may result in mail delivery delays.

City	Status
Panama City	Acceptable
Panama City	Preferred

Nearby ZIP codes

32444 Lynn Haven (8.9 mi) 32461 Inlet Beach (9.7 mi) 32401 Panama City (10.2 mi) 32405 Panama City (10.2 mi) 32403 Panama City (10.9 mi) 32466 Youngstown (12.8 mi) 32449 Wewahitchka (15.4 mi) 32408 Panama City (15.6 mi) 32409 Panama City (16.4 mi) 32407 Panama City Beach (17.5 mi)

Demographics updated 05/2026

Population
Total population	40,969
Population density	303 / sq mi
State FIPS	12
County FIPS	005

Geography
Land area	135.07 sq mi
Water area	19.01 sq mi
Latitude	30.1909
Longitude	-85.5022
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	44.7%	43.3%	43.4%
$50k – $100k	37.2%	34.8%	30.8%
$100k – $200k	16.0%	17.8%	19.3%
Over $200k	2.0%	4.2%	6.4%

Demographics & statistics

40,969

Population

303

People per sq mi

38.3

Median age

$66,230

Median household income

$30,515

Per capita income

$211,100

Median home value

$1,259

Median monthly rent

71.9%

Home ownership

9.7%

Poverty rate

4.0%

Unemployment

13,161

Housing units

18.8%

Bachelor's or higher

Age distribution

Male Female

1,325

Under 5

1,193

1,281

5–9

1,155

1,317

10–14

1,186

1,243

15–19

1,120

1,210

20–24

1,090

3,256

25–34

2,934

2,978

35–44

2,682

2,294

45–54

2,066

1,456

55–59

1,311

1,916

60–64

1,726

1,956

65–74

1,762

939

75–84

846

382

85+

345

← Male

Female →

Age summary

Group	Count	%
Under 18	9,070	22.1%
18 and over	31,899	77.9%
65 and over	6,230	15.2%
Median age	38.3 years

Race & ethnicity

White 70.3%

Black or African American 12.2%

Two or more races 7.3%

Hispanic or Latino 4.7%

Asian 2.9%

Other race 2.1%

Native Hawaiian / Pacific Islander 0.3%

American Indian / Alaska Native 0.2%

Group	Count	%
White	30,240	70.3%
Black or African American	5,233	12.2%
Two or more races	3,158	7.3%
Hispanic or Latino	2,029	4.7%
Asian	1,226	2.9%
Other race	883	2.1%
Native Hawaiian / Pacific Islander	145	0.3%
American Indian / Alaska Native	84	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.7%	43.3%	43.4%
$50k – $100k	37.2%	34.8%	30.8%
$100k – $200k	16.0%	17.8%	19.3%
Over $200k	2.0%	4.2%	6.4%

Under $10k 3.5%

$10k–$15k 2.2%

$15k–$25k 7.0%

$25k–$35k 5.4%

$35k–$50k 13.1%

$50k–$75k 26.4%

$75k–$100k 17.1%

$100k–$150k 16.5%

$150k–$200k 4.1%

$200k+ 4.7%

Range	% of households
Under $10k	3.5%
$10k–$15k	2.2%
$15k–$25k	7.0%
$25k–$35k	5.4%
$35k–$50k	13.1%
$50k–$75k	26.4%
$75k–$100k	17.1%
$100k–$150k	16.5%
$150k–$200k	4.1%
$200k+	4.7%
Median income	$66,230

Housing

Home values

Under $50k 5.5%

$50k–$100k 11.7%

$100k–$150k 11.8%

$150k–$200k 18.1%

$200k–$300k 29.1%

$300k–$500k 19.7%

$500k–$1M 3.6%

$1M+ 0.5%

Housing overview

Metric	Value
Median home value	$211,100
Median rent / month	$1,259
Owner occupied	71.9%
Renter occupied	28.1%
Vacant	13.5%
Single-family detached	64.6%
Large apartment buildings	3.4%
Mobile homes	16.3%
Median rooms	5.6
Avg household size (owned)	2.71

Year built

Era	%
2020 or later	1.4%
2010–2019	12.4%
2000–2009	17.8%
1990–1999	19.8%
1980–1989	23.0%
1970–1979	15.9%
1960–1969	5.9%
1950–1959	2.8%
1940–1949	0.8%
1939 or earlier	0.3%

Bedrooms

Size	% of units
No bedroom (studio)	2.1%
1 bedroom	5.6%
2 bedrooms	17.5%
3 bedrooms	54.5%
4 bedrooms	18.4%
5+ bedrooms	1.8%

Vehicles per household

Vehicles	% of households
No vehicle	1.7%
1 vehicle	27.6%
2 vehicles	44.0%
3 or more	26.7%

Heating fuel

Fuel type	%
Utility gas	7.3%
Electricity	90.1%
Propane / LP gas	0.7%
Solar	0.8%
No fuel used	1.0%

Households & families

Household type	Count	%
Married-couple family	8,008	53.2%
Cohabiting couple	1,280	8.5%
Male householder, no spouse	2,939	19.5%
Female householder, no spouse	2,814	18.7%
Households with children under 18	5,070	33.7%
Households with seniors (65+)	4,357	29.0%
Average household size	2.66

Marital status

Status	Male	Female
Never married	34.3%	24.1%
Married	49.9%	51.9%
Separated	2.2%	2.6%
Widowed	1.1%	9.4%
Divorced	12.6%	12.0%

Education

Less than 9th grade 4.0%

Some HS, no diploma 9.1%

HS graduate 33.8%

Some college, no degree 23.4%

Associate's degree 10.8%

Bachelor's degree 12.4%

Graduate / professional 6.4%

Metric	%
HS diploma or higher	86.8%
Bachelor's or higher	18.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	664	7.3%
Kindergarten	483	5.3%
Elementary school	3,903	43.0%
High school	2,132	23.5%
College / grad school	1,892	20.9%

Employment

Industry of employment

Education & healthcare 16.0%

Retail trade 14.7%

Professional & management 11.9%

Public administration 9.3%

Arts, food & hospitality 9.0%

Construction 8.2%

Other services 8.2%

Manufacturing 7.8%

Transportation & utilities 5.3%

Finance & real estate 5.3%

Wholesale trade 2.7%

Information 1.3%

Agriculture & mining 0.4%

Occupation

Category	%
Management, business & arts	29.6%
Service	20.6%
Sales & office	24.3%
Natural resources & construction	11.1%
Production & transportation	14.4%

Employment type

Type	%
Private sector	77.7%
Government	17.4%
Self-employed	4.6%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	79.6%
Carpool	12.3%
Public transit	0.3%
Walk	1.2%
Work from home	5.7%
Other means	1.0%
Avg commute (minutes)	27.3

Poverty

All people 9.7%

Under 18 years 11.7%

18 and over 9.2%

Married-couple families 3.9%

Female-led households 16.0%

Income support

Source	% of households
Social Security	31.4%
Retirement income	28.0%
Supplemental Security	5.6%
Cash public assistance	3.0%
Food stamps / SNAP	14.6%

Health indicators

Condition	%
Obesity	31.6%
High blood pressure	34.1%
High cholesterol	31.4%
Diabetes	11.4%
Heart disease	7.0%
Stroke	3.5%
Asthma	9.4%
Arthritis	24.8%
Kidney disease	3.0%
Pulmonary disease	8.9%
Cancer	6.3%

Behavior / access	%
Smoking	23.0%
Binge drinking	16.4%
No physical activity	29.3%
Less than 7 hrs sleep	35.4%
Depression	21.8%
Fair or poor health	17.8%
Poor mental health	17.2%
Poor physical health	12.8%
No health insurance	21.6%
Visited doctor (checkup)	74.0%
Visited dentist	53.0%
Cholesterol screening	88.7%
Teeth loss	17.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	5,333	17.2%

Disability	%
Any disability	17.7%
Under 18	5.8%
18–64 years	17.1%
65 and over	38.2%

Health insurance coverage

Type	%
Private insurance	65.3%
Public insurance	37.6%
No insurance	14.0%
Uninsured under 19	8.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	38,451	93.9%
Spanish	1,216	3.2%
Other Indo-European	606	1.6%
Asian & Pacific Islander	118	0.3%
Other languages	492	1.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	38,256	93.4%
Born in same state	36,888	90.0%
Born in different state	18,866	46.0%
Foreign born	1,368	3.3%
Naturalized citizen	2,713	6.6%
Not a US citizen	1,777	65.5%

Ancestry

Ancestry	Count	%
Arab	4,342	10.6%
French	4,267	10.4%
Italian	3,254	7.9%
English	236	0.6%
Polish	165	0.4%

Ancestry	Count	%
German	118	0.3%
Norwegian	29	0.1%
Irish	20	0%
Dutch	10	0%

Technology access

Metric	% of households
Computer access	36.7%
Internet access	95.7%

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

Frequently asked questions about ZIP code 32404

What city is ZIP code 32404 in?

ZIP code 32404 is primarily assigned to Panama City, Florida.

What county is ZIP code 32404 in?

ZIP code 32404 falls within Bay County, Florida.

Does ZIP code 32404 have a large veteran population?

17% of civilians in ZIP code 32404 are veterans, above the national average of ~7%.

What is the population of ZIP code 32404?

ZIP code 32404 has an estimated population of 40,969 residents, with a density of 303 people per square mile.

What is the typical home value in ZIP code 32404?

The median home value in ZIP code 32404 is $211,100.

What is the median household income in ZIP code 32404?

The median household income in ZIP code 32404 is $66,230, below the national median of ~$75,000.

What timezone is ZIP code 32404 in?

ZIP code 32404 observes the CST timezone.