Panama City Beach, FL ZIP Codes, Map and Demographics

ZIP Code	Type	PopulationPop	% of Population% of Pop	Alias Names
32401	Standard	20,487	29.09%	P C Beach,Panama City Beach
32407	Standard	14,366	20.40%	P C Beach,Panama City
32408	Standard	17,479	24.82%	P C Beach,Panama City Beach
32413	Standard	15,217	21.61%	Alys Beach,Grande Pointe,Inlet Beach,P C Beach,Panama City,Rosemary Bch,Seacrest,W Panama City Beach,Watersound,West Panama City Beach
32417	P.O. Box	0	0.00%	P C Beach,Panama City Beach
32461	Standard	2,878	4.09%	Alys Beach,P C Beach,Panama City,Panama City Beach,Rosemary Bch,Rosemary Beach,Seacrest,Watersound

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Population & Demographics

Panama City Beach, FL has 70,910 residents, with an average household size of 2.2. The gender split is 49.2% male and 50.8% female - about the same as the national split. By age, the top brackets are 30-34 (7.9%) and 35-39 (10.5%). By race, White and Black or African American are the largest groups. Hispanic or Latino (of any race) is 8.6%. Those born outside the United States make up 10.7% (lower than the Nation).

Explore More:Population Over Time By Age & Gender By Race By Gender Nativity & Citizenship

Source: U.S. Census 2020 Demographics & Housing Characteristics (DHC) and U.S. Census 2011-2024 American Community Survey (ACS) 5-Year Estimates.

There are two kinds of demographics shown in the charts for Panama City Beach, FL. Each covers a different geographic boundary and has different criteria for what is included. Learn More

Total Population:	29,583
Total Households:	13,266
Total Housing Units:	59,104
Average Household Size:	2.27
Average Family Size:	3.12

All ZIP Codes assigned this City name by the USPS.

Total Population:	18,094
Total Households:	8,031
Total Housing Units:	20,052
Average Household Size:	2.23
Average Family Size:	2.98

Data for the U.S. Census Place.

Population Over Time (with 2010 & 2020 Census Benchmarks)

Line chart of All ZIPs in Panama City Beach, FL population estimates from 2011-2024, with markers for the 2010 and 2020 Decennial Census counts to show growth or decline over time. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2010	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Census ACS Population Estimate	--	60,044	61,051	61,432	62,605	61,896	63,626	63,685	65,793	66,554	66,352	70,014	68,833	70,910
Decennial Census	60,487	--	--	--	--	--	--	--	--	--	70,427	--	--	--

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP05. DEMOGRAPHIC AND HOUSING ESTIMATES

Population by Age & Gender (Total, Male, Female)

Median Age: 45.7

Male Median Age: 44.3

Female Median Age: 47.4

Line Chart showing the population by Age Group and Gender of all ZIPs in Panama City Beach, Florida. One line shows the Total population in that age group, another line shows the Male population for that age group, and the last line shows the Female population for the given age group. A table also provides the same information. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	< 5	5-9	10-14	15-19	20-24	25-29	30-34	35-39	40-44	45-49	50-54	55-59	60-64	65-69	70-74	75-79	80-84	85+
Male	1,634	1,749	1,876	1,829	1,917	2,107	2,232	2,160	2,089	2,197	2,515	2,827	2,799	2,416	2,025	1,233	617	464
Female	1,561	1,652	1,750	1,830	1,746	2,005	2,205	2,221	2,078	2,279	2,552	3,157	3,026	2,617	2,137	1,283	788	854
Total	3,195	3,401	3,626	3,659	3,663	4,112	4,437	4,381	4,167	4,476	5,067	5,984	5,825	5,033	4,162	2,516	1,405	1,318

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

Pie Chart & Table (ZIPs)Comparison Chart Pie Chart & Table (Place)

Population by Race

Pie Chart showing Population by Race for all ZIPs in Panama City Beach, Florida. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

White:	23,776	80.69%
Black:	1,423	4.83%
Hispanic:*	2,425	8.23%
Asian:	733	2.49%
American Indian:	159	0.54%
Hawaiian:	29	0.10%
Other:	920	3.12%
Total:	29,465	100%

All ZIP Codes assigned this City name by the USPS.

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

* NOTE: Hispanic or Latino is an ethnicity, not a race. This means individuals who identify as Hispanic will also be included in one of the race categories (such as White or Black). As a result, the totals shown here may exceed 100% when Hispanic is displayed alongside racial groups.

Pie Chart & Table (ZIPs)Comparison Chart Pie Chart & Table (Place)

Gender Breakdown

Pie chart showing Male vs Demale share of the population. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Gender	Count	Percentage	Median Age
Males:	14,536	49.14%	44.3 years
Females:	15,047	50.86%	47.4 years
Total:	29,583	100%	45.7 years

All ZIP Codes assigned this City name by the USPS.

Pie Chart showing population of Males vs Females for the U.S. Census Place. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Gender	Count	Percentage	Median Age
Males:	8,879	49.07%	44.3 years
Females:	9,215	50.93%	47.1 years
Total:	18,094	100%	45.7 years

Data for the U.S. Census Place.

Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

Pie Chart & Table (ZIPs)Pie Chart & Table (Place)

Nativity & Citizenship

Pie chart showing Nativity/Citizenship for all ZIPs in Panama City Beach, FL. Categories include native residents (born in the United States, Puerto Rico, U.S. Island Areas, or abroad to American parents) and foreign-born residents. A table below lists counts and percentages. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Native, born in the United States:	61,851	87.22%
Native, born in PR, Island Areas, or abroad:	2,028	2.86%
Foreign born, naturalized U.S. citizen:	3,091	4.36%
Foreign born, not a U.S. citizen:	3,940	9.92%
Total Population:	70,910	100%
Total Native Population:	63,879	90.08%
Total Foreign-born Population:	7,031	9.92%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

Note: Nativity and Citizenship derived from American Community Survey (ACS) 5-year estimates. Total Population listed here will not match official ZIP Code population totals, which are based on the Decennial Census.

Income & Employment

ZIP Codes in Panama City Beach, FL have an average household income of $84,735 (higher than the State by 18.2%, and higher than the Nation by 7.9%). Family vs nonfamily earnings show a significant gap ($97,399 vs $65,811). Employment participation is higher than the Nation (63.3%). The unemployment rate is 2.5%, which is much lower than the Nation (5.2%).

Explore More:Income Over Time Household Income Employment Status By Occupation

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. Using data from Tables DP02, DP03, DP04 and DP05.

Median Income Over Time (Household, Family, Nonfamily, Male, Female)

Line Chart showing Median Income Estimates from 2011 until 2024 of Median Household Income, Median Family Income, Median Nonfamily Income, Median Male Income, and Median Female Income for all ZIPs in Panama City Beach, Florida. A table also provides the same information. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Income Type	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Median Household Income	$87,859	$86,638	$46,960	$47,946	$48,642	$49,129	$52,026	$54,704	$56,803	$57,786	$73,249	$83,395	$84,735
Median Family Income	$97,414	$95,513	$57,075	$58,152	$60,985	$59,484	$62,754	$65,949	$69,748	$67,002	$85,531	$94,489	$97,399
Median NonFamily Income	$33,106	$34,321	$31,984	$34,073	$33,778	$34,218	$34,678	$37,877	$40,292	$42,577	$58,633	$71,568	$65,811
Median Male Income	$40,640	$40,367	$39,184	$38,294	$40,369	$40,045	$41,519	$43,148	$46,064	$45,414	$63,713	$71,011	$74,819
Median Female Income	$32,748	$33,074	$32,328	$32,452	$32,699	$33,166	$34,545	$35,643	$37,054	$37,484	$42,854	$48,228	$53,360

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP03. SELECTED ECONOMIC CHARACTERISTICS

Average Household Income

Bar Chart showing Average Household Income for all ZIPs in Panama City Beach, FL, the U.S. Census Place, Bay County, the state of Florida, and the United States National Average. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Source: U.S. Census 2019-2024 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Pie Chart & Table (ZIPs)Comparison Chart Pie Chart & Table (Place)

Employment Status

Employment status for all ZIPs in Panama City Beach, FL: employed, unemployed, and not in the labor force. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Employed:	35,971	60.06%
Unemployed:	1,323	2.21%
Not In Labor Force:	22,596	37.73%
Total:	59,890	100%

All ZIP Codes assigned this City name by the USPS.

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Pie Chart & Table (ZIPs)Pie Chart & Table (Place)

Employment by Occupation (Civilian Employed Population, 16 and Over)

Donut Chart showing the distribution of employed civilians aged 16 and over by occupation category: management, service, sales and office, natural resources and construction, and production and transportation. A table with the same data and percentages is provided as well.Load Chart Manually (if needed)

Management, business, science, and arts:	14,662	40.76%
Service:	6,549	18.21%
Sales and Office:	8,582	23.86%
Natural resources, construction, and maintenance:	3,435	9.55%
Production, transportation, and material moving:	2,743	7.63%
Total Civilian Employed Population:	35,971	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS.

Housing & Affordability

In Panama City Beach, FL, the median home value is $393,750 - much higher than the State by 21.2%, and up $135,850 (52.7%) since 2020. Renters pay an average of $1,710 per month - higher than the State by 9.3%, and up $374 (28.0%) since 2020. Most renters in Panama City Beach pay $1,500-$1,999 (44.5%). About 5.1% pay under $1,000 and 26.6% pay $2,000+; the under $1,000 share is much lower than the Nation. Of occupied housing, owners make up 62.1% (58.4% have a mortgage) and renters make up 37.9% - owners are lower than the Nation.

Explore More:Compare Home Value Home Value Over Time Rent & Over Time Housing Occupancy

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. Using data from Table DP03, SELECTED ECONOMIC CHARACTERISTICS.

Median Home Value (Comparison)

Bar Chart showing median House Value for all ZIPs in Panama City Beach, Florida, the U.S. Census Place, Bay County, Florida, and the United States National Average. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Median Home Value Over Time (2011-2024)

Line chart showing median home values for ZIP across years 2011-2024 using ACS 5-year estimates. The chart displays the typical dollar value of owner-occupied housing units. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Median Home Value	$225,850	$201,500	$185,850	$185,950	$195,450	$209,750	$218,200	$228,500	$239,000	$257,900	$280,200	$341,300	$393,750

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Pie Chart & Table (ZIPs)Pie Chart & Table (Place)

Gross Rent Paid

Pie Chart showing Gross Rent Paid by renters for all ZIPs in Panama City Beach, FL. A table also provides the same information. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Less than $500:	192	1.66%
$500 to $999:	1,762	15.24%
$1,000 to $1,499:	3,695	31.96%
$1,500 to $1,999:	3,431	29.67%
$2,000 to $2,499:	1,578	13.65%
$2,500 to $2,999:	351	3.04%
$3,000 or more:	218	1.89%
No Rent:	336	2.91%
Total:	11,563	100%

All ZIP Codes assigned this City name by the USPS.

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table Table DP04. SELECTED HOUSING CHARACTERISTICS

Median Gross Rent Over Time (2011-2024)

Line chart displaying median gross rent for ZIP over the years 2011-2024 using ACS 5-year estimates. The chart represents typical monthly housing costs for renter households. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Median Rent	$1,017	$1,042	$1,038	$1,046	$1,049	$1,080	$1,132	$1,156	$1,237	$1,336	$1,457	$1,605	$1,710

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Pie Chart & Table (ZIPs)Pie Chart & Table (Place)

Housing Occupancy

Pie chart showing housing occupancy for in Panama City Beach, FL. Categories include owner-occupied units with a mortgage, owner-occupied units free and clear, and renter-occupied units. A table below lists counts and percentages. Vacant housing units are shown separately in the Vacancy table. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Owner Occupied (with mortgage):	12,464	37.23%
Owner Occupied (free and clear, no mortgage):	9,448	28.22%
Renter Occupied:	11,563	34.54%
Total Occupied Housing Units:	33,475	100%

Occupied Housing Units:	33,475	54.33%
Vacant Housing Units (not graphed):	28,139	45.67%
Total Housing Units:	61,614	100%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Education, Health & Community

36.8% of adults (25+) have a bachelor-s degree or higher, above the state rate (33.2%) and slightly above the national average (35.0%). High school or higher is 94.5%, which is above the state rate (89.6%). The share of people in poverty is 4.6%, which is below the state rate (8.9%) and below the national rate (8.7%), down 3.3 percentage points since 2011 and down 1.6 percentage points from its 2019 pre-pandemic level.

Explore More:Educational Attainment Health Insurance Poverty Over Time School Enrollment

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. Using data from Tables DP02 and DP03.

Pie Chart & Table (ZIPs)Pie Chart & Table (Place)

Educational Attainment of Adults (25 and Older)

Pie chart of educational attainment for adults (25+) for all ZIPs in Panama City Beach, FL, including each level from less than 9th grade to graduate/professional. Summary rows show high school or higher and bachelor's or higher. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Less than 9th grade:	1,350	2.46%
9th to 12th grade, no diploma:	2,496	4.55%
High school graduate (includes equivalency):	13,157	24.01%
Some college, no degree:	12,826	23.40%
Associate's degree:	6,218	11.34%
Bachelor's degree:	12,100	22.08%
Graduate or professional degree:	6,662	12.15%
Total:	54,809	100%
High school graduate or higher:	50,963	92.98%
Bachelor's degree or higher:	18,762	34.23%

All ZIP Codes assigned this City name by the USPS.

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

Pie Chart & Table (ZIPs)Comparison Chart Pie Chart & Table (Place)

Health Insurance Coverage by Type (Private, Public, Uninsured)

Pie chart illustrating health insurance coverage by type for Panama City Beach, FL. Categories include private insurance, public coverage such as Medicare and Medicaid, and individuals with no health insurance. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Private Insurance:	45,257	55.66%
Public Insurance:	25,986	31.96%
No Insurance:	10,066	12.38%
Total:	81,309	100%
Has Health Insurance:	71,243	87.62%

All ZIP Codes assigned this City name by the USPS.

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS

Percentage of People in Poverty Over Time (2011-2024)

Line chart displaying the share of families and people in All ZIPs of Inlet Beach FL whose income falls below the federal poverty threshold, using ACS 5-year estimates from 2011 through 2024. The chart shows year-to-year changes in the percentage of people in poverty. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Group	2011	2102	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
% of People in Poverty	7.9%	8.3%	9.3%	9.2%	7.4%	8.1%	7.8%	6.6%	6.2%	4.9%	4.0%	4.6%	4.6%

Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP03. SELECTED ECONOMIC CHARACTERISTICS

Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.

Pie Chart & Table (ZIPs)Pie Chart & Table (Place)

School Enrollment by Education Level (Ages 3 and Older)

Pie Chart showing enrollment of residents ages 3 and older in Nursery School or Preschool, Kindergarten, Elementary (grades 1-8), High School (grades 9-12), and College or Graduate School for all ZIPS in Inlet Beach, FL.Load Chart Manually (if needed)

Nursery School, Preschool:	739	5.99%
Kindergarten:	636	5.16%
Elementary school (grades 1-8):	5,554	45.03%
High school (grades 9-12):	2,592	21.02%
College or graduate school:	2,813	22.81%
Total:	12,334	100%
Early Childhood:	1,375	11.15%
K-12 (Primary & Secondary School):	8,782	71.20%

Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

ZIP Codes:	5 Standard, 1 PO Box [See All]
Counties:	Bay County, FL Walton County, FL
Area Codes:	448,850
Time Zone:	Central (GMT -06:00)
Local Time:	12:00:00 AM
Population:	18,094 (Census Place) [More Demographics]
Statistical Area:	Panama City-Panama City Beach, FL [Learn More]
Coordinates:	30.2876, -85.8782
Land Area:	159.08 sq miles (ZIP Codes)
Quick Link:	https://www.zip-codes.com/city/fl-panama-city-beach.asp

Native, born in the United States:	15,850	85.71%
Native, born in PR, Island Areas, or abroad:	673	3.64%
Foreign born, naturalized U.S. citizen:	934	5.05%
Foreign born, not a U.S. citizen:	1,036	10.65%
Total Population:	18,493	100%
Total Native Population:	16,523	89.35%
Total Foreign-born Population:	1,970	10.65%

Employed:	9,905	63.57%
Unemployed:	256	1.64%
Not In Labor Force:	5,420	34.79%
Total:	15,581	100%

Management, business, science, and arts:	4,309	43.50%
Service:	1,659	16.75%
Sales and Office:	2,466	24.90%
Natural resources, construction, and maintenance:	889	8.98%
Production, transportation, and material moving:	582	5.88%
Total Civilian Employed Population:	9,905	100%

Owner Occupied (with mortgage):	3,069	36.23%
Owner Occupied (free and clear, no mortgage):	2,190	25.86%
Renter Occupied:	3,211	37.91%
Total Occupied Housing Units:	8,470	100%

All ZIP Codes, Map and Demographics of Panama City Beach, FL

Need a ZIP Code for Panama City Beach, FL?

Panama City Beach, FL has 6 ZIP Codes

Population & Demographics

Population Over Time (with 2010 & 2020 Census Benchmarks)

Population by Age & Gender (Total, Male, Female)

Population by Race

Gender Breakdown

Nativity & Citizenship

Income & Employment

Median Income Over Time (Household, Family, Nonfamily, Male, Female)

Average Household Income

Employment Status

Employment by Occupation (Civilian Employed Population, 16 and Over)

Housing & Affordability

Median Home Value (Comparison)

Median Home Value Over Time (2011-2024)

Gross Rent Paid

Median Gross Rent Over Time (2011-2024)

Housing Occupancy

Education, Health & Community

Educational Attainment of Adults (25 and Older)

Health Insurance Coverage by Type (Private, Public, Uninsured)

Percentage of People in Poverty Over Time (2011-2024)

School Enrollment by Education Level (Ages 3 and Older)

Business & Employment Statistics

Geography, Land Area, and Statistical Classifications

Adjacent & Nearby Cities from Panama City Beach, FL

Sources & References

White:	14,474	80.46%
Black:	968	5.38%
Hispanic:*	1,363	7.58%
Asian:	561	3.12%
American Indian:	84	0.47%
Hawaiian:	15	0.08%
Other:	524	2.91%
Total:	17,989	100%

Occupied Housing Units:	8,470	40.18%
Vacant Housing Units (not graphed):	12,608	59.82%
Total Housing Units:	21,078	100%

Less than 9th grade:	173	1.23%
9th to 12th grade, no diploma:	605	4.31%
High school graduate (includes equivalency):	2,886	20.58%
Some college, no degree:	3,505	25.00%
Associate's degree:	1,698	12.11%
Bachelor's degree:	3,049	21.74%
Graduate or professional degree:	2,106	15.02%
Total:	14,022	100%
High school graduate or higher:	13,244	94.45%
Bachelor's degree or higher:	5,155	36.76%

Private Insurance:	13,119	62.81%
Public Insurance:	5,270	25.23%
No Insurance:	2,497	11.96%
Total:	20,886	100%
Has Health Insurance:	18,389	88.04%

Nursery School, Preschool:	183	5.60%
Kindergarten:	59	1.80%
Elementary school (grades 1-8):	1,585	48.47%
High school (grades 9-12):	784	23.98%
College or graduate school:	659	20.15%
Total:	3,270	100%
Early Childhood:	242	7.40%
K-12 (Primary & Secondary School):	2,428	74.25%

# Residential Mailboxes:	24,754Source: USPS
# Business Mailboxes:	1,531Source: USPS
Total Delivery Receptacles:	25,784Source: USPS
Single Family Delivery Units:	7,989Source: USPS
Multi Family Delivery Units:	6,574Source: USPS

# of Businesses:	1,376Source: CBP
1st Quarter Payroll:	$161,289,000Source: CBP
Annual Payroll:	$705,989,000Source: CBP
# of Employees:	16,167Source: CBP

CBSA Name:	Panama City-Panama City Beach, FLSource: Census
CBSA Number:	37460Source: Census
CBSA Type:	MetroSource: Census
CBSA Division:	--Source: Census
CBSA Population:	206,627Source: Census
MSA:	Panama City, FL MSASource: Census
PMSA:	--Source: Census

Land Area:	159.081 sq miSource: Census
Water Area:	46.986 sq miSource: Census
Congressional District(s):	02Source: USPS
Intro Date:	< 2004-10Source: ZIP-Codes.com
Place FIPS Code:	54725Source: Census
Place Name:	Panama City Beach city; FloridaSource: Census