32409 ZIP Code — Panama City, FL

Bay County, Florida

ZIP code 32409 is located in Panama City, Florida, within Bay County. It covers approximately 126.65 square miles and serves a population of 10,518 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32409

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $173,800. Owner-occupancy is high at 89%, well above the national average.

Median household income is $56,276. Poverty affects 18% of residents, above the national average. 44% 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 32 minutes is near the national average.

Educational attainment is near the national average, with 22% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (24%) compared to national benchmarks. 17% of residents lack health insurance, above the national average.

Notable community characteristics include a notable veteran presence at 14% of civilians, above the national average of 7%; and disability rates above the national average at 28%.

Overall, ZIP code 32409 reflects a community defined by economic challenges above the national average, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

10,518

population

126.65

sq mi land

Standard

ZIP type

Central (CT)

timezone

32409 ZIP code map

Cities in ZIP code 32409

Below are the cities the US Postal Service accepts for ZIP code 32409. 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 (8.6 mi) 32405 Panama City (9.6 mi) 32407 Panama City Beach (9.8 mi) 32466 Youngstown (11.6 mi) 32401 Panama City (12.5 mi) 32437 Ebro (12.7 mi) 32461 Inlet Beach (12.8 mi) 32408 Panama City (12.9 mi) 32413 Panama City Beach (13.2 mi) 32462 Vernon (14.5 mi) 32404 Panama City (16.4 mi)

Demographics updated 05/2026

Population
Total population	10,518
Population density	83 / sq mi
State FIPS	12
County FIPS	005

Geography
Land area	126.65 sq mi
Water area	27.96 sq mi
Latitude	30.3377
Longitude	-85.7176
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	45.0%	43.3%	43.4%
$50k – $100k	31.8%	34.8%	30.8%
$100k – $200k	20.3%	17.8%	19.3%
Over $200k	2.8%	4.2%	6.4%

Demographics & statistics

10,518

Population

People per sq mi

43.3

Median age

$56,276

Median household income

$28,610

Per capita income

$173,800

Median home value

$1,255

Median monthly rent

89.2%

Home ownership

17.9%

Poverty rate

6.2%

Unemployment

3,914

Housing units

21.6%

Bachelor's or higher

Age distribution

Male Female

208

Under 5

234

349

5–9

391

399

10–14

447

277

15–19

310

237

20–24

266

537

25–34

602

673

35–44

755

644

45–54

723

293

55–59

329

399

60–64

448

549

65–74

617

310

75–84

347

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,418	23.0%
18 and over	8,100	77.0%
65 and over	1,997	19.0%
Median age	43.3 years

Race & ethnicity

White 89.3%

Two or more races 5.1%

Hispanic or Latino 2.1%

Asian 1.9%

Other race 1.2%

American Indian / Alaska Native 0.4%

Group	Count	%
White	9,597	89.3%
Two or more races	544	5.1%
Hispanic or Latino	224	2.1%
Asian	209	1.9%
Other race	127	1.2%
American Indian / Alaska Native	41	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	45.0%	43.3%	43.4%
$50k – $100k	31.8%	34.8%	30.8%
$100k – $200k	20.3%	17.8%	19.3%
Over $200k	2.8%	4.2%	6.4%

Under $10k 2.5%

$10k–$15k 8.9%

$15k–$25k 10.9%

$25k–$35k 9.5%

$35k–$50k 9.4%

$50k–$75k 19.3%

$75k–$100k 11.8%

$100k–$150k 16.8%

$150k–$200k 6.6%

$200k+ 4.1%

Range	% of households
Under $10k	2.5%
$10k–$15k	8.9%
$15k–$25k	10.9%
$25k–$35k	9.5%
$35k–$50k	9.4%
$50k–$75k	19.3%
$75k–$100k	11.8%
$100k–$150k	16.8%
$150k–$200k	6.6%
$200k+	4.1%
Median income	$56,276

Housing

Home values

Under $50k 13.6%

$50k–$100k 16.5%

$100k–$150k 11.1%

$150k–$200k 11.7%

$200k–$300k 19.6%

$300k–$500k 17.9%

$500k–$1M 7.3%

$1M+ 2.3%

Housing overview

Metric	Value
Median home value	$173,800
Median rent / month	$1,255
Owner occupied	89.2%
Renter occupied	10.8%
Vacant	11.4%
Single-family detached	56.1%
Large apartment buildings	2.7%
Mobile homes	40.0%
Median rooms	5.8
Avg household size (owned)	2.67

Year built

Era	%
2020 or later	0.0%
2010–2019	13.1%
2000–2009	23.9%
1990–1999	26.2%
1980–1989	17.6%
1970–1979	13.3%
1960–1969	1.6%
1950–1959	2.0%
1940–1949	1.1%
1939 or earlier	1.3%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	1.6%
2 bedrooms	22.0%
3 bedrooms	51.3%
4 bedrooms	20.7%
5+ bedrooms	3.3%

Vehicles per household

Vehicles	% of households
No vehicle	6.5%
1 vehicle	20.9%
2 vehicles	47.5%
3 or more	25.1%

Heating fuel

Fuel type	%
Utility gas	0.9%
Electricity	94.3%
Propane / LP gas	4.0%
Fuel oil	0.3%
Wood	0.4%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	2,006	52.3%
Cohabiting couple	160	4.2%
Male householder, no spouse	647	16.9%
Female householder, no spouse	1,022	26.6%
Households with children under 18	1,271	33.1%
Households with seniors (65+)	1,536	40.1%
Average household size	2.74

Marital status

Status	Male	Female
Never married	28.8%	20.4%
Married	54.3%	51.7%
Separated	1.1%	1.3%
Widowed	2.6%	11.8%
Divorced	13.2%	14.8%

Education

Less than 9th grade 2.6%

Some HS, no diploma 10.1%

HS graduate 33.9%

Some college, no degree 23.7%

Associate's degree 8.1%

Bachelor's degree 14.3%

Graduate / professional 7.2%

Metric	%
HS diploma or higher	87.4%
Bachelor's or higher	21.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	143	5.7%
Kindergarten	138	5.5%
Elementary school	1,295	51.5%
High school	576	22.9%
College / grad school	361	14.4%

Employment

Industry of employment

Education & healthcare 24.3%

Retail trade 11.4%

Professional & management 11.2%

Construction 10.3%

Manufacturing 7.3%

Public administration 7.3%

Finance & real estate 5.7%

Other services 5.6%

Arts, food & hospitality 5.1%

Agriculture & mining 4.8%

Transportation & utilities 4.4%

Information 1.8%

Wholesale trade 0.7%

Occupation

Category	%
Management, business & arts	37.3%
Service	12.7%
Sales & office	25.8%
Natural resources & construction	12.8%
Production & transportation	11.4%

Employment type

Type	%
Private sector	56.6%
Government	21.5%
Self-employed	20.2%
Unpaid family workers	1.6%

Commute

Method	%
Drive alone	69.1%
Carpool	13.1%
Public transit	0.0%
Walk	0.2%
Work from home	16.0%
Other means	1.6%
Avg commute (minutes)	31.9

Poverty

All people 17.9%

Under 18 years 24.6%

18 and over 15.9%

Married-couple families 8.7%

Female-led households 31.6%

Income support

Source	% of households
Social Security	43.7%
Retirement income	34.0%
Supplemental Security	5.5%
Cash public assistance	2.1%
Food stamps / SNAP	13.7%

Health indicators

Condition	%
Obesity	31.0%
High blood pressure	33.6%
High cholesterol	32.8%
Diabetes	10.9%
Heart disease	7.0%
Stroke	3.3%
Asthma	9.4%
Arthritis	25.9%
Kidney disease	2.9%
Pulmonary disease	9.4%
Cancer	6.7%

Behavior / access	%
Smoking	23.9%
Binge drinking	16.7%
No physical activity	28.2%
Less than 7 hrs sleep	34.1%
Depression	23.0%
Fair or poor health	17.1%
Poor mental health	17.2%
Poor physical health	13.1%
No health insurance	20.1%
Visited doctor (checkup)	73.4%
Visited dentist	54.9%
Cholesterol screening	89.4%
Teeth loss	16.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,131	14.1%

Disability	%
Any disability	27.5%
Under 18	16.7%
18–64 years	22.4%
65 and over	56.4%

Health insurance coverage

Type	%
Private insurance	56.5%
Public insurance	41.2%
No insurance	16.9%
Uninsured under 19	3.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	10,076	95.8%
Spanish	106	1.1%
Other Indo-European	74	0.7%
Asian & Pacific Islander	5	0.0%
Other languages	27	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,069	95.7%
Born in same state	9,872	93.9%
Born in different state	5,952	56.6%
Foreign born	197	1.9%
Naturalized citizen	449	4.3%
Not a US citizen	316	70.4%

Ancestry

Ancestry	Count	%
Italian	1,546	14.7%
French	1,383	13.1%
Arab	1,339	12.7%
Polish	93	0.9%

Ancestry	Count	%
Dutch	45	0.4%
English	27	0.3%
Irish	8	0.1%
German	6	0.1%

Technology access

Metric	% of households
Computer access	36.5%
Internet access	90.9%

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

Frequently asked questions about ZIP code 32409

What city is ZIP code 32409 in?

ZIP code 32409 is primarily assigned to Panama City, Florida.

What county is ZIP code 32409 in?

ZIP code 32409 falls within Bay County, Florida.

Is ZIP code 32409 mostly owner-occupied?

89% of occupied units in ZIP code 32409 are owner-occupied, well above the national average.

Does ZIP code 32409 have a large retiree population?

44% of households in ZIP code 32409 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 32409?

18% of residents in ZIP code 32409 live below the poverty line, above the national average.

Does ZIP code 32409 have a large veteran population?

14% of civilians in ZIP code 32409 are veterans, above the national average of ~7%.

What timezone is ZIP code 32409 in?

ZIP code 32409 observes the CST timezone.