Panama City Beach ZIP Code List — Bay County, FL

There are 2 unique ZIP codes in Panama City Beach, Florida. Area code: 850.

ZIP codes

123.14

sq mi land

22.94

sq mi water

850

area code

Panama City Beach, FL ZIP code map

About Panama City Beach, FL

Panama City Beach, FL, is a beautiful coastal city known for its stunning beaches and vibrant tourist atmosphere. Nestled in Bay County, this city attracts visitors from around the globe to experience its pristine shores and recreational opportunities. With a variety of entertainment options, dining establishments, and outdoor activities, Panama City Beach is a quintessential Florida destination.

Location & geography

Panama City Beach is located in the northwestern part of Florida, directly along the Gulf of Mexico. It is approximately 13 miles away from the larger Panama City and about 38 miles from Destin, another popular vacation and tourist spot. The city's geography boasts a total land area of 246.29 square miles, complemented by 45.89 square miles of water, featuring beautiful sandy beaches and coastal landscapes.

Community & economy

The community of Panama City Beach is characterized by its friendly atmosphere and a strong economy primarily based on tourism and hospitality. Residents enjoy a laid-back lifestyle, with many engaging in fishing, boating, and recreational activities that reflect the city’s coastal charm. The city offers a mix of seasonal festivities and cultural events that unite both locals and visitors throughout the year.

Transportation

Access to Panama City Beach is facilitated by major highways such as US Route 98 and State Road 79, making it easily reachable from neighboring cities. The nearest major airport is the Northwest Florida Beaches International Airport, located approximately 20 miles away, providing convenient flights and connections. Public transit options are also available for local travel and accessibility.

History

Panama City Beach was developed as a resort destination during the 1950s, drawing attention for its scenic beaches and favorable weather conditions. Key industries in the area have historically revolved around tourism, real estate, and recreational fishing, contributing to the city’s ongoing growth. Notable events, such as the legendary Spring Break, have positioned Panama City Beach as a popular vacation hotspot over the decades.

Did you know?

A surprising fact about Panama City Beach is that it is home to one of the world's largest concentrations of marine life, making it a premier destination for fishing and diving enthusiasts. Additionally, the city is well-known for its stunning sunsets, which attract photographers and nature lovers alike.

ZIP codes for Panama City Beach, FL (2)

ZIP code	City	County	Map
32407	Panama City Beach	Bay	View map
32413	Panama City Beach	Bay	View map

Demographics & statistics

29,530

Population

45.7

Median age

$75,533

Median household income

$49,181

Per capita income

$341,300

Median home value

$1,605

Median monthly rent

65.8%

Home ownership

8.3%

Poverty rate

2.5%

Unemployment

22,823

Housing units

34.9%

Bachelor's or higher

Age distribution

Male Female

441

Under 5

441

719

5–9

717

614

10–14

612

748

15–19

747

832

20–24

830

1,776

25–34

1,773

1,851

35–44

1,847

2,049

45–54

2,045

1,252

55–59

1,250

1,495

60–64

1,493

1,863

65–74

1,860

887

75–84

885

252

85+

251

← Male

Female →

Age summary

Group	Count	%
Under 18	4,580	15.5%
18 and over	24,950	84.5%
65 and over	5,998	20.3%
Median age	45.7 years

Race & ethnicity

White 80.1%

Black or African American 5.5%

Hispanic or Latino 5.3%

Two or more races 5.3%

Other race 2.6%

Asian 0.9%

American Indian / Alaska Native 0.2%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	24,987	80.1%
Black or African American	1,712	5.5%
Hispanic or Latino	1,668	5.3%
Two or more races	1,664	5.3%
Other race	801	2.6%
Asian	282	0.9%
American Indian / Alaska Native	66	0.2%
Native Hawaiian / Pacific Islander	18	0.1%

Household income

Under $10k 4.3%

$10k–$15k 1.3%

$15k–$25k 5.9%

$25k–$35k 5.8%

$35k–$50k 13.6%

$50k–$75k 18.5%

$75k–$100k 14.6%

$100k–$150k 16.1%

$150k–$200k 9.3%

$200k+ 11.0%

Range	% of households
Under $10k	4.3%
$10k–$15k	1.3%
$15k–$25k	5.9%
$25k–$35k	5.8%
$35k–$50k	13.6%
$50k–$75k	18.5%
$75k–$100k	14.6%
$100k–$150k	16.1%
$150k–$200k	9.3%
$200k+	11.0%
Median income	$75,533

Housing

Home values

Under $50k 3.9%

$50k–$100k 2.6%

$100k–$150k 3.8%

$150k–$200k 6.5%

$200k–$300k 23.5%

$300k–$500k 42.2%

$500k–$1M 15.7%

$1M+ 2.1%

Housing overview

Metric	Value
Median home value	$341,300
Median rent / month	$1,605
Owner occupied	65.8%
Renter occupied	34.3%
Vacant	49.8%
Single-family detached	36.4%
Large apartment buildings	35.5%
Mobile homes	5.7%
Median rooms	4.3
Avg household size (owned)	2.18

Year built

Era	%
2020 or later	1.3%
2010–2019	12.1%
2000–2009	34.6%
1990–1999	18.0%
1980–1989	20.4%
1970–1979	8.4%
1960–1969	2.1%
1950–1959	2.0%
1940–1949	1.2%
1939 or earlier	0.2%

Bedrooms

Size	% of units
No bedroom (studio)	2.9%
1 bedroom	11.1%
2 bedrooms	40.7%
3 bedrooms	35.0%
4 bedrooms	9.1%
5+ bedrooms	1.4%

Vehicles per household

Vehicles	% of households
No vehicle	2.9%
1 vehicle	37.6%
2 vehicles	40.8%
3 or more	18.8%

Heating fuel

Fuel type	%
Utility gas	12.5%
Electricity	83.2%
Propane / LP gas	2.3%
Solar	0.3%
No fuel used	1.6%

Households & families

Household type	Count	%
Married-couple family	6,527	48.0%
Cohabiting couple	1,202	8.8%
Male householder, no spouse	2,266	16.6%
Female householder, no spouse	3,628	26.8%
Households with children under 18	2,730	20.2%
Households with seniors (65+)	4,251	31.1%
Average household size	2.17

Marital status

Status	Male	Female
Never married	30.1%	22.3%
Married	53.4%	50.1%
Separated	1.9%	1.8%
Widowed	1.7%	8.8%
Divorced	13.1%	17.0%

Education

Less than 9th grade 2.5%

Some HS, no diploma 3.8%

HS graduate 22.1%

Some college, no degree 24.5%

Associate's degree 12.4%

Bachelor's degree 21.9%

Graduate / professional 13.0%

Metric	%
HS diploma or higher	93.8%
Bachelor's or higher	34.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	307	5.5%
Kindergarten	127	1.8%
Elementary school	2,299	40.9%
High school	1,233	23.7%
College / grad school	1,581	28.2%

Employment

Industry of employment

Retail trade 19.6%

Education & healthcare 17.4%

Arts, food & hospitality 17.0%

Professional & management 9.6%

Finance & real estate 7.8%

Public administration 7.7%

Construction 7.1%

Manufacturing 4.4%

Wholesale trade 3.2%

Other services 2.9%

Transportation & utilities 2.6%

Information 0.8%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	42.8%
Service	15.7%
Sales & office	29.3%
Natural resources & construction	6.6%
Production & transportation	5.7%

Employment type

Type	%
Private sector	73.5%
Government	18.2%
Self-employed	8.0%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	77.2%
Carpool	9.3%
Public transit	0.8%
Walk	1.3%
Other means	1.9%
Avg commute (minutes)	20.5

Poverty

All people 8.3%

Under 18 years 9.2%

18 and over 8.1%

Married-couple families 3.6%

Female-led households 8.3%

Income support

Source	% of households
Social Security	32.7%
Retirement income	31.0%
Supplemental Security	3.4%
Cash public assistance	1.5%
Food stamps / SNAP	5.6%

Health indicators

Condition	%
High blood pressure	30.8%
High cholesterol	31.5%
Heart disease	6.1%
Stroke	2.8%
Asthma	8.6%
Arthritis	23.3%
Kidney disease	2.6%
Pulmonary disease	7.2%
Cancer	6.8%

Behavior / access	%
Binge drinking	17.2%
No physical activity	23.6%
Less than 7 hrs sleep	32.1%
Fair or poor health	13.3%
Poor mental health	15.4%
Poor physical health	10.6%
No health insurance	17.3%
Visited doctor (checkup)	73.6%
Visited dentist	61.7%
Cholesterol screening	90.3%
Teeth loss	11.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	3,210	13.1%

Disability	%
Any disability	15.8%
Under 18	8.2%
18–64 years	11.9%
65 and over	34.8%

Health insurance coverage

Type	%
Private insurance	68.6%
Public insurance	34.0%
Uninsured under 19	11.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	28,648	97.0%
Spanish	1,388	4.9%
Other Indo-European	923	3.2%
Asian & Pacific Islander	67	0.3%
Other languages	63	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	26,482	89.7%
Born in same state	25,349	85.9%
Born in different state	7,108	24.1%
Foreign born	1,133	3.9%
Naturalized citizen	3,048	10.4%
Not a US citizen	1,213	42.6%

Ancestry

Ancestry	Count	%
Italian	4,638	15.7%
French	4,072	13.8%
Arab	2,182	7.4%
Polish	445	1.5%
German	355	1.2%

Ancestry	Count	%
Irish	322	1.1%
English	242	0.8%
Norwegian	112	0.4%
Dutch	84	0.3%

Technology access

Metric	% of households
Computer access	46.1%
Internet access	98.0%

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

Frequently asked questions

What ZIP codes does Panama City Beach, FL have?

Panama City Beach, FL has 2 ZIP codes: 32407, 32413. Each ZIP code serves a distinct delivery area within the city and surrounding region.

What is the main ZIP code for Panama City Beach, FL?

The primary ZIP code for Panama City Beach, FL is 32407. The city uses area code 850 for phone service.

What county is Panama City Beach, FL in?

Panama City Beach is located in Bay County, Florida.

How many ZIP codes are in Panama City Beach, FL?

Panama City Beach, FL has 2 ZIP codes.

What ZIP code covers the Panama City Beach Pier and the main tourist beach area along Front Beach Road?

The Panama City Beach Pier and the primary beachfront tourist district along Front Beach Road are located in ZIP code 32413, which encompasses the heart of the city's commercial and recreational beach area.

Which ZIP code includes the downtown Panama City Beach area and the historic St. Andrews neighborhood?

Downtown Panama City Beach and the St. Andrews residential area are situated in ZIP code 32407, which covers the western portion of the city away from the main tourist beach strip.