Panama City ZIP Codes — Bay County, FL

There are 11 unique ZIP codes in Panama City, Florida. Area code: 850.

ZIP codes

345.78

sq mi land

103.56

sq mi water

850

area code

Panama City, FL ZIP code map

About Panama City, FL

Panama City, Florida, is a vibrant coastal city located in Bay County. Known for its beautiful beaches and rich cultural heritage, it attracts both residents and tourists alike. The city offers a unique blend of urban and natural environments, making it a desirable place to live and visit.

Location & geography

Geographically, Panama City is situated in the northwest region of Florida, approximately 15 miles from the Alabama border. It is surrounded by several nearby cities, including Lynn Haven to the north, Springfield to the north, Panama City Beach to the west, and Marianna to the east. The city covers a land area of 411.07 square miles, with a substantial water area of 155.62 square miles, creating a picturesque coastal landscape.

Community & economy

The character of Panama City is defined by its friendly atmosphere and tight-knit community, where residents enjoy a relaxed lifestyle. The local economy is bolstered by industries such as tourism, healthcare, and marine services, providing ample employment opportunities. Daily life in Panama City revolves around outdoor activities, cultural events, and the city's lively waterfront.

Transportation

Transportation in Panama City is facilitated by major highways such as U.S. Route 98 and Interstate 10, providing easy access to surrounding areas. The nearest airport is the Northwest Florida Beaches International Airport, which serves as a gateway for both domestic and international flights. Public transit options are also available for residents and visitors.

History

Panama City was established in the early 1900s and became a key location for trade and commerce in the region. Historically, it has relied on industries such as shipping and tourism, which have shaped its growth. Notable events include the city’s development as a popular tourist destination following the construction of several resorts in the mid-20th century.

Did you know?

An intriguing fact about Panama City is that it hosts the annual Panama City Arts Festival, which showcases local talent and attracts artists from around the region. Additionally, the city is home to the historic St. Andrews neighborhood, known for its charming architecture and vibrant fishing community.

ZIP codes for Panama City, FL (11)

ZIP code	City	County	Map
32401	Panama City	Bay	View map
32402	Panama City	Bay	View map
32403	Panama City	Bay	View map
32404	Panama City	Bay	View map
32405	Panama City	Bay	View map
32406	Panama City	Bay	View map
32408	Panama City	Bay	View map
32409	Panama City	Bay	View map
32411	Panama City	Bay	View map
32412	Panama City	Bay	View map
32417	Panama City	Bay	View map

Demographics & statistics

118,608

Population

40.9

Median age

$62,697

Median household income

$34,300

Per capita income

$184,617

Median home value

$1,316

Median monthly rent

58.5%

Home ownership

11.6%

Poverty rate

5.6%

Unemployment

46,746

Housing units

28.2%

Bachelor's or higher

Age distribution

Male Female

3,474

Under 5

3,298

3,521

5–9

3,342

3,657

10–14

3,472

3,223

15–19

3,059

3,407

20–24

3,234

8,746

25–34

8,303

7,641

35–44

7,255

7,353

45–54

6,980

4,207

55–59

3,994

4,636

60–64

4,402

6,374

65–74

6,052

3,293

75–84

3,126

1,313

85+

1,246

← Male

Female →

Age summary

Group	Count	%
Under 18	24,706	20.3%
18 and over	93,902	79.7%
65 and over	21,404	15.8%
Median age	40.9 years

Race & ethnicity

White 71.7%

Black or African American 12.4%

Two or more races 6.3%

Hispanic or Latino 4.3%

Other race 2.3%

Asian 2.2%

American Indian / Alaska Native 0.6%

Native Hawaiian / Pacific Islander 0.2%

Group	Count	%
White	88,879	71.7%
Black or African American	15,393	12.4%
Two or more races	7,846	6.3%
Hispanic or Latino	5,367	4.3%
Other race	2,830	2.3%
Asian	2,697	2.2%
American Indian / Alaska Native	718	0.6%
Native Hawaiian / Pacific Islander	245	0.2%

Household income

Under $10k 3.7%

$10k–$15k 3.9%

$15k–$25k 7.4%

$25k–$35k 6.0%

$35k–$50k 12.5%

$50k–$75k 24.7%

$75k–$100k 15.6%

$100k–$150k 16.3%

$150k–$200k 4.4%

$200k+ 5.8%

Range	% of households
Under $10k	3.7%
$10k–$15k	3.9%
$15k–$25k	7.4%
$25k–$35k	6.0%
$35k–$50k	12.5%
$50k–$75k	24.7%
$75k–$100k	15.6%
$100k–$150k	16.3%
$150k–$200k	4.4%
$200k+	5.8%
Median income	$62,697

Housing

Home values

Under $50k 5.6%

$50k–$100k 10.1%

$100k–$150k 9.4%

$150k–$200k 12.4%

$200k–$300k 19.7%

$300k–$500k 18.3%

$500k–$1M 6.4%

$1M+ 1.7%

Housing overview

Metric	Value
Median home value	$184,617
Median rent / month	$1,316
Owner occupied	58.5%
Renter occupied	41.5%
Vacant	22.8%
Single-family detached	50.7%
Large apartment buildings	8.4%
Mobile homes	13.5%
Median rooms	5.3
Avg household size (owned)	1.99

Year built

Era	%
2020 or later	0.7%
2010–2019	10.7%
2000–2009	18.2%
1990–1999	18.8%
1980–1989	19.2%
1970–1979	14.4%
1960–1969	4.9%
1950–1959	6.7%
1940–1949	3.6%
1939 or earlier	2.8%

Bedrooms

Size	% of units
No bedroom (studio)	1.8%
1 bedroom	6.9%
2 bedrooms	28.3%
3 bedrooms	48.0%
4 bedrooms	13.4%
5+ bedrooms	1.7%

Vehicles per household

Vehicles	% of households
No vehicle	4.1%
1 vehicle	33.5%
2 vehicles	42.8%
3 or more	19.6%

Heating fuel

Fuel type	%
Utility gas	16.5%
Electricity	80.7%
Propane / LP gas	1.5%
Wood	0.2%
Solar	0.3%
No fuel used	0.7%

Households & families

Household type	Count	%
Married-couple family	21,657	49.9%
Cohabiting couple	3,847	6.3%
Male householder, no spouse	9,579	20.0%
Female householder, no spouse	13,531	23.9%
Households with children under 18	13,865	34.9%
Households with seniors (65+)	15,222	27.3%
Average household size	2.49

Marital status

Status	Male	Female
Never married	38.3%	29.6%
Married	45.7%	44.9%
Separated	1.9%	2.0%
Widowed	2.7%	9.8%
Divorced	11.5%	13.7%

Education

Less than 9th grade 2.9%

Some HS, no diploma 6.1%

HS graduate 26.3%

Some college, no degree 22.4%

Associate's degree 14.1%

Bachelor's degree 18.5%

Graduate / professional 9.7%

Metric	%
HS diploma or higher	91.0%
Bachelor's or higher	28.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	1,645	6.1%
Kindergarten	1,564	6.0%
Elementary school	10,988	44.3%
High school	5,442	19.9%
College / grad school	5,211	23.7%

Employment

Industry of employment

Education & healthcare 24.4%

Professional & management 14.8%

Arts, food & hospitality 10.7%

Retail trade 9.8%

Public administration 8.8%

Construction 7.4%

Other services 6.1%

Finance & real estate 5.3%

Manufacturing 4.8%

Transportation & utilities 3.9%

Wholesale trade 1.6%

Information 1.4%

Agriculture & mining 1.3%

Occupation

Category	%
Management, business & arts	38.3%
Service	19.4%
Sales & office	23.1%
Natural resources & construction	9.3%
Production & transportation	9.9%

Employment type

Type	%
Private sector	72.1%
Government	19.2%
Self-employed	8.3%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	75.1%
Carpool	11.7%
Public transit	0.4%
Walk	2.9%
Other means	1.4%
Avg commute (minutes)	23.0

Poverty

All people 11.6%

Under 18 years 15.8%

18 and over 10.5%

Married-couple families 4.4%

Female-led households 20.6%

Income support

Source	% of households
Social Security	30.8%
Retirement income	27.5%
Supplemental Security	4.6%
Cash public assistance	2.3%
Food stamps / SNAP	13.0%

Health indicators

Condition	%
High blood pressure	31.5%
High cholesterol	29.3%
Heart disease	6.3%
Stroke	3.2%
Asthma	9.4%
Arthritis	23.0%
Kidney disease	2.8%
Pulmonary disease	8.2%
Cancer	5.9%

Behavior / access	%
Binge drinking	17.1%
No physical activity	27.4%
Less than 7 hrs sleep	34.4%
Fair or poor health	16.4%
Poor mental health	17.2%
Poor physical health	12.0%
No health insurance	20.4%
Visited doctor (checkup)	73.4%
Visited dentist	54.9%
Cholesterol screening	88.1%
Teeth loss	15.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	13,085	17.1%

Disability	%
Any disability	19.8%
Under 18	8.0%
18–64 years	19.2%
65 and over	36.5%

Health insurance coverage

Type	%
Private insurance	64.6%
Public insurance	36.3%
Uninsured under 19	7.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	111,836	94.5%
Spanish	3,690	3.0%
Other Indo-European	2,423	1.8%
Asian & Pacific Islander	328	0.5%
Other languages	825	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	110,272	93.3%
Born in same state	106,886	90.8%
Born in different state	52,242	39.0%
Foreign born	3,386	2.5%
Naturalized citizen	8,336	6.7%
Not a US citizen	4,661	56.3%

Ancestry

Ancestry	Count	%
French	12,867	10.8%
Italian	12,283	10.4%
Arab	11,496	9.7%
English	1,203	1%
Polish	949	0.8%

Ancestry	Count	%
German	288	0.2%
Norwegian	216	0.2%
Irish	184	0.2%
Dutch	162	0.1%

Technology access

Metric	% of households
Computer access	37.9%
Internet access	95.1%

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

Frequently asked questions

What ZIP codes does Panama City, FL have?

Panama City, FL has 6 ZIP codes: 32401, 32403, 32404, 32405, 32408, and 32409. Each ZIP code serves a distinct delivery area within the city and surrounding region.