32405 ZIP Code — Panama City, FL

Bay County, Florida

ZIP code 32405 is located in Panama City, Florida, within Bay County. It covers approximately 18.78 square miles and serves a population of 29,661 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32405

The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $232,400. Owner-occupancy sits near the national average at 63%.

Median household income is $68,070. 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 23 minutes is near the national average.

Educational attainment is near the national average, with 28% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks.

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

Overall, ZIP code 32405 reflects a community defined by a strong veteran community and a significant Social Security-dependent population.

29,661

population

18.78

sq mi land

Standard

ZIP type

Central (CT)

timezone

32405 ZIP code map

Cities in ZIP code 32405

Below are the cities the US Postal Service accepts for ZIP code 32405. Using any city not on this list may result in mail delivery delays.

City	Status
Panama City	Preferred

Nearby ZIP codes

32444 Lynn Haven (2.5 mi) 32401 Panama City (3 mi) 32461 Inlet Beach (3.2 mi) 32408 Panama City (6.2 mi) 32407 Panama City Beach (7.3 mi) 32409 Panama City (9.6 mi) 32404 Panama City (10.2 mi) 32403 Panama City (14 mi) 32466 Youngstown (14.6 mi) 32413 Panama City Beach (17.4 mi)

Demographics updated 05/2026

Population
Total population	29,661
Population density	1,579 / sq mi
State FIPS	12
County FIPS	005

Geography
Land area	18.78 sq mi
Water area	4.53 sq mi
Latitude	30.2040
Longitude	-85.6722
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	43.7%	43.3%	43.4%
$50k – $100k	33.7%	34.8%	30.8%
$100k – $200k	18.7%	17.8%	19.3%
Over $200k	3.9%	4.2%	6.4%

Demographics & statistics

29,661

Population

1,579

People per sq mi

37.5

Median age

$68,070

Median household income

$34,599

Per capita income

$232,400

Median home value

$1,320

Median monthly rent

62.9%

Home ownership

14.7%

Poverty rate

3.7%

Unemployment

8,924

Housing units

28.1%

Bachelor's or higher

Age distribution

Male Female

861

Under 5

1,002

924

5–9

1,075

910

10–14

1,058

868

15–19

1,010

826

20–24

960

2,062

25–34

2,397

1,618

35–44

1,881

1,654

45–54

1,924

770

55–59

895

694

60–64

806

1,396

65–74

1,624

801

75–84

932

330

85+

383

← Male

Female →

Age summary

Group	Count	%
Under 18	6,962	23.5%
18 and over	22,699	76.5%
65 and over	5,466	18.4%
Median age	37.5 years

Race & ethnicity

White 65.2%

Black or African American 16.7%

Two or more races 6.5%

Hispanic or Latino 5.3%

Other race 3.2%

Asian 1.5%

American Indian / Alaska Native 1.3%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	20,436	65.2%
Black or African American	5,247	16.7%
Two or more races	2,040	6.5%
Hispanic or Latino	1,666	5.3%
Other race	1,000	3.2%
Asian	483	1.5%
American Indian / Alaska Native	409	1.3%
Native Hawaiian / Pacific Islander	46	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	43.7%	43.3%	43.4%
$50k – $100k	33.7%	34.8%	30.8%
$100k – $200k	18.7%	17.8%	19.3%
Over $200k	3.9%	4.2%	6.4%

Under $10k 4.7%

$10k–$15k 3.6%

$15k–$25k 6.1%

$25k–$35k 8.4%

$35k–$50k 14.0%

$50k–$75k 19.3%

$75k–$100k 16.2%

$100k–$150k 15.9%

$150k–$200k 6.6%

$200k+ 5.2%

Range	% of households
Under $10k	4.7%
$10k–$15k	3.6%
$15k–$25k	6.1%
$25k–$35k	8.4%
$35k–$50k	14.0%
$50k–$75k	19.3%
$75k–$100k	16.2%
$100k–$150k	15.9%
$150k–$200k	6.6%
$200k+	5.2%
Median income	$68,070

Housing

Home values

Under $50k 4.4%

$50k–$100k 8.6%

$100k–$150k 10.8%

$150k–$200k 15.1%

$200k–$300k 29.6%

$300k–$500k 26.1%

$500k–$1M 3.9%

$1M+ 1.4%

Housing overview

Metric	Value
Median home value	$232,400
Median rent / month	$1,320
Owner occupied	62.9%
Renter occupied	37.1%
Vacant	10.1%
Single-family detached	60.3%
Large apartment buildings	5.1%
Mobile homes	8.1%
Median rooms	5.6
Avg household size (owned)	2.33

Year built

Era	%
2020 or later	1.7%
2010–2019	8.7%
2000–2009	13.3%
1990–1999	17.5%
1980–1989	19.7%
1970–1979	18.9%
1960–1969	8.6%
1950–1959	8.0%
1940–1949	2.5%
1939 or earlier	1.2%

Bedrooms

Size	% of units
No bedroom (studio)	2.0%
1 bedroom	6.6%
2 bedrooms	24.2%
3 bedrooms	49.1%
4 bedrooms	16.1%
5+ bedrooms	2.1%

Vehicles per household

Vehicles	% of households
No vehicle	6.1%
1 vehicle	35.3%
2 vehicles	42.6%
3 or more	15.9%

Heating fuel

Fuel type	%
Utility gas	8.5%
Electricity	88.6%
Propane / LP gas	0.7%
Wood	0.5%
Solar	0.6%
No fuel used	1.1%

Households & families

Household type	Count	%
Married-couple family	5,077	42.2%
Cohabiting couple	862	7.2%
Male householder, no spouse	1,942	16.1%
Female householder, no spouse	4,162	34.6%
Households with children under 18	3,683	30.6%
Households with seniors (65+)	3,705	30.8%
Average household size	2.41

Marital status

Status	Male	Female
Never married	27.3%	28.9%
Married	53.5%	42.6%
Separated	1.7%	1.9%
Widowed	5.5%	11.0%
Divorced	11.9%	15.6%

Education

Less than 9th grade 2.9%

Some HS, no diploma 5.1%

HS graduate 26.4%

Some college, no degree 25.3%

Associate's degree 12.1%

Bachelor's degree 16.3%

Graduate / professional 11.8%

Metric	%
HS diploma or higher	92.0%
Bachelor's or higher	28.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	477	6.9%
Kindergarten	498	7.2%
Elementary school	2,966	43.0%
High school	1,567	22.7%
College / grad school	1,393	20.2%

Employment

Industry of employment

Education & healthcare 19.3%

Retail trade 15.2%

Professional & management 13.9%

Arts, food & hospitality 13.4%

Public administration 8.0%

Construction 7.1%

Other services 5.9%

Manufacturing 4.8%

Finance & real estate 4.8%

Transportation & utilities 3.3%

Information 2.5%

Wholesale trade 1.7%

Agriculture & mining 0.1%

Occupation

Category	%
Management, business & arts	35.8%
Service	18.6%
Sales & office	25.2%
Natural resources & construction	8.9%
Production & transportation	11.5%

Employment type

Type	%
Private sector	76.0%
Government	16.5%
Self-employed	7.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	81.6%
Carpool	9.6%
Public transit	1.0%
Walk	1.1%
Work from home	6.0%
Other means	0.8%
Avg commute (minutes)	22.8

Poverty

All people 14.7%

Under 18 years 25.3%

18 and over 11.4%

Married-couple families 3.9%

Female-led households 27.4%

Income support

Source	% of households
Social Security	32.8%
Retirement income	25.3%
Supplemental Security	7.1%
Cash public assistance	2.8%
Food stamps / SNAP	14.0%

Health indicators

Condition	%
Obesity	31.0%
High blood pressure	34.5%
High cholesterol	32.1%
Diabetes	11.4%
Heart disease	7.2%
Stroke	3.6%
Asthma	9.5%
Arthritis	25.9%
Kidney disease	3.2%
Pulmonary disease	9.0%
Cancer	7.0%

Behavior / access	%
Smoking	21.2%
Binge drinking	15.4%
No physical activity	29.0%
Less than 7 hrs sleep	34.1%
Depression	21.7%
Fair or poor health	17.7%
Poor mental health	16.8%
Poor physical health	12.9%
No health insurance	20.4%
Visited doctor (checkup)	75.2%
Visited dentist	54.6%
Cholesterol screening	89.2%
Teeth loss	16.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,886	13.0%

Disability	%
Any disability	20.8%
Under 18	6.8%
18–64 years	18.4%
65 and over	47.9%

Health insurance coverage

Type	%
Private insurance	62.3%
Public insurance	40.7%
No insurance	12.8%
Uninsured under 19	11.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	27,798	93.7%
Spanish	1,200	4.3%
Other Indo-European	956	3.4%
Asian & Pacific Islander	60	0.2%
Other languages	76	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	27,600	93.1%
Born in same state	26,670	89.9%
Born in different state	13,621	45.9%
Foreign born	930	3.1%
Naturalized citizen	2,061	6.9%
Not a US citizen	957	46.4%

Ancestry

Ancestry	Count	%
Italian	3,315	11.2%
French	2,770	9.3%
Arab	2,261	7.6%
English	379	1.3%
Polish	318	1.1%

Ancestry	Count	%
Irish	89	0.3%
German	82	0.3%
Dutch	15	0.1%
Norwegian	11	0%

Technology access

Metric	% of households
Computer access	40.6%
Internet access	95.5%

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

Frequently asked questions about ZIP code 32405

What city is ZIP code 32405 in?

ZIP code 32405 is primarily assigned to Panama City, Florida.

What county is ZIP code 32405 in?

ZIP code 32405 falls within Bay County, Florida.

Does ZIP code 32405 have a large veteran population?

13% of civilians in ZIP code 32405 are veterans, above the national average of ~7%.

What is the population of ZIP code 32405?

ZIP code 32405 has an estimated population of 29,661 residents, with a density of 1,580 people per square mile.

What is the typical home value in ZIP code 32405?

The median home value in ZIP code 32405 is $232,400.

What is the median household income in ZIP code 32405?

The median household income in ZIP code 32405 is $68,070, below the national median of ~$75,000.

What timezone is ZIP code 32405 in?

ZIP code 32405 observes the CST timezone.