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

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Panama City spans 14 ZIP Codes - enter an address to find the correct one.

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Data Last Updated: March 1, 2026
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ZIP Codes:9 Standard, 5 PO Boxes [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:32,939 (Census Place) [More Demographics]
Statistical Area:Panama City-Panama City Beach, FL [Learn More]
Coordinates:30.1605, -85.6492
Land Area:483.77 sq miles (ZIP Codes)
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Panama City, FL has 14 ZIP Codes


ZIP CodeTypePopulationPop% of Population% of PopAlias Names
32401Standard20,48713.91%P C Beach,Panama City Beach
32402 P.O. Box00.00%
32403Standard1410.10%Tyndall AFB
32404Standard38,18625.92%Callaway,Lynn Haven,Parker
32405Standard28,15819.12%
32406 P.O. Box00.00%
32407Standard14,3669.75%P C Beach,Panama City
32408Standard17,47911.87%P C Beach,Panama City Beach
32409Standard10,3947.06%Southport
32411 P.O. Box00.00%
32412 P.O. Box00.00%
32413Standard15,21710.33%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. Box00.00%P C Beach,Panama City Beach
32461Standard2,8781.95%Alys Beach,P C Beach,Panama City,Panama City Beach,Rosemary Bch,Rosemary Beach,Seacrest,Watersound
1 ZIP Code on this page
42,000+ ZIP Codes in database
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Population & Demographics


Panama City, FL has 153,683 residents, with an average household size of 2.3. The gender split is 48.0% male and 52.0% female - about the same as the national split. By age, the top brackets are 30-34 (6.4%) and 35-39 (6.5%). By race, White and Black or African American are the largest groups. Hispanic or Latino (of any race) is 9.7%. Those born outside the United States make up 8.7% (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, FL. Each covers a different geographic boundary and has different criteria for what is included. Learn More

Total Population:114,845
Total Households:44,953
Total Housing Units:93,915
Average Household Size:2.42
Average Family Size:3.06

All ZIP Codes assigned this City name by the USPS.

Total Population:32,939
Total Households:13,559
Total Housing Units:16,305
Average Household Size:2.38
Average Family Size:3.38

Data for the U.S. Census Place.

Population Over Time (with 2010 & 2020 Census Benchmarks)


Line chart of All ZIPs in Panama City, 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)
Group20102011210220132014201520162017201820192020202120222023
Census ACS Population Estimate--139,373139,735141,427143,621144,842147,562149,343151,451151,219150,512151,265150,727153,683
Decennial Census140,578------------------147,306------
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: 38.6

Male Median Age: 37.8

Female Median Age: 39.4

Line Chart showing the population by Age Group and Gender of all ZIPs in Panama City, 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< 55-910-1415-1920-2425-2930-3435-3940-4445-4950-5455-5960-6465-6970-7475-7980-8485+
Male3,8324,0894,4284,1614,2734,6794,9564,9204,5104,6255,0595,7775,2904,4283,6822,2911,3621,025
Female3,6433,9844,1814,1153,8224,3944,6934,7474,2804,4985,0475,9775,8334,7683,9682,5251,6891,755
Total7,4758,0738,6098,2768,0959,0739,6499,6678,7909,12310,10611,75411,1239,1967,6504,8163,0512,780
Source: U.S. Census Bureau (2020) Demographics & Housing Characteristics (DHC)

Population by Race


Pie Chart showing Population by Race for all ZIPs in Panama City, Florida. Chart loads automatically and replaces this content. Load Chart Manually (if needed)
White:82,56272.31%
Black:14,57412.76%
Hispanic:*9,5528.37%
Asian:2,7772.43%
American Indian:6860.60%
Hawaiian:1510.13%
Other:3,8813.40%
Total:114,183100%

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.

Gender Breakdown


Pie chart showing Male vs Demale share of the population. Chart loads automatically and replaces this content. Load Chart Manually (if needed)
GenderCountPercentageMedian Age
Males:57,45950.03%37.8 years
Females:57,38649.97%39.4 years
Total:114,845100%38.6 years

All ZIP Codes assigned this City name by the USPS.

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

Nativity & Citizenship


Native, born in the United States:136,13188.58%
Native, born in PR, Island Areas, or abroad:5,0413.28%
Foreign born, naturalized U.S. citizen:6,4444.19%
Foreign born, not a U.S. citizen:6,0678.14%
Total Population:153,683100%
Total Native Population:141,17291.86%
Total Foreign-born Population:12,5118.14%
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, FL have an average household income of $76,563 (higher than the State by 6.8%, and lower than the Nation by 2.5%). Family vs nonfamily earnings show a moderate gap ($87,392 vs $57,600). Employment participation is lower than the Nation (63.3%). The unemployment rate is 4.4%, which is 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, Florida. A table also provides the same information. Chart loads automatically and replaces this content. Load Chart Manually (if needed)
Income Type2011210220132014201520162017201820192020202120222023
Median Household Income$70,779$69,865$47,243$48,466$48,983$49,461$52,329$54,728$57,003$58,491$67,595$77,517$76,563
Median Family Income$79,334$77,724$55,924$58,014$59,138$59,531$63,181$66,011$68,859$68,227$79,264$87,907$87,392
Median NonFamily Income$32,733$33,012$32,749$33,943$34,145$33,738$33,739$34,456$35,387$37,392$49,733$59,903$57,600
Median Male Income$38,639$38,774$39,093$39,700$42,027$41,847$42,548$43,942$45,548$44,688$54,835$60,760$64,297
Median Female Income$30,568$30,877$30,906$31,987$32,477$32,511$33,826$34,360$35,610$35,893$39,040$44,350$49,224
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, 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

Employment Status


Employment status for all ZIPs in Panama City, FL: employed, unemployed, and not in the labor force. Chart loads automatically and replaces this content. Load Chart Manually (if needed)
Employed:73,97959.61%
Unemployed:2,6342.12%
Not In Labor Force:47,49138.27%
Total:124,104100%

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

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


Management, business, science, and arts:27,65737.38%
Service:13,80518.66%
Sales and Office:17,98524.31%
Natural resources, construction, and maintenance:7,2359.78%
Production, transportation, and material moving:7,2979.86%
Total Civilian Employed Population:73,979100%
Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP03. SELECTED ECONOMIC CHARACTERISTICS.

Housing & Affordability


In Panama City, FL, the median home value is $255,140 - much lower than the State by 21.5%, and up $73,280 (40.3%) since 2020. Renters pay an average of $1,412 per month - lower than the State by 9.7%, and up $294 (26.3%) since 2020. Most renters in Panama City pay $1,000-$1,499 (37.8%). About 27.5% pay under $1,000 and 5.6% pay $2,000+; the under $1,000 share is lower than the Nation. Of occupied housing, owners make up 55.1% (62.0% have a mortgage) and renters make up 44.9% - owners are much 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, 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)


Group2011210220132014201520162017201820192020202120222023
Median Home Value$166,540$161,740$154,500$151,260$152,840$153,020$162,040$167,440$172,660$181,860$189,320$221,540$255,140
Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Gross Rent Paid


Less than $500:4562.16%
$500 to $999:3,03314.37%
$1,000 to $1,499:7,79736.94%
$1,500 to $1,999:6,12029.00%
$2,000 to $2,499:2,25110.67%
$2,500 to $2,999:5552.63%
$3,000 or more:3001.42%
No Rent:5932.81%
Total:21,105100%

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)


Group2011210220132014201520162017201820192020202120222023
Median Rent$908$914$938$953$927$951$979$1,060$1,051$1,118$1,193$1,316$1,412
Source: U.S. Census 2011-2024 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Housing Occupancy


Owner Occupied (with mortgage): 25,547 38.99%
Owner Occupied (free and clear, no mortgage): 18,868 28.80%
Renter Occupied: 21,105 32.21%
Total Occupied Housing Units: 65,520 100%

Occupied Housing Units: 65,520 66.97%
Vacant Housing Units (not graphed): 32,319 33.03%
Total Housing Units: 97,839 100%
Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP04. SELECTED HOUSING CHARACTERISTICS

Education, Health & Community


25.5% of adults (25+) have a bachelor-s degree or higher, below the state rate (33.2%) and well below the national average (35.0%). High school or higher is 89.3%, which is about the same as the state rate (89.6%). The share of people in poverty is 9.9%, which is slightly above the state rate (8.9%) and slightly above the national rate (8.7%), about the same as 2011 and down 0.6 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.

Educational Attainment of Adults (25 and Older)


Less than 9th grade:3,1542.82%
9th to 12th grade, no diploma:6,7286.01%
High school graduate (includes equivalency):30,91327.60%
Some college, no degree:25,72922.97%
Associate's degree:12,70011.34%
Bachelor's degree:20,61718.41%
Graduate or professional degree:12,14910.85%
Total:111,990100%
High school graduate or higher:102,10891.18%
Bachelor's degree or higher:32,76629.26%

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

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


Private Insurance:97,03956.12%
Public Insurance:55,32231.99%
No Insurance:20,55211.89%
Total:172,913100%
Has Health Insurance:152,36188.11%

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)


Group2011210220132014201520162017201820192020202120222023
% of People in Poverty9.9%10.2%11.0%10.9%10.6%10.9%11.0%10.9%10.5%9.2%9.2%9.9%9.9%
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.

School Enrollment by Education Level (Ages 3 and Older)


Nursery School, Preschool:1,9316.28%
Kindergarten:1,7115.56%
Elementary school (grades 1-8):13,90145.18%
High school (grades 9-12):6,78922.07%
College or graduate school:6,43420.91%
Total:30,766100%
Early Childhood:3,64211.84%
K-12 (Primary & Secondary School):22,40172.81%
Source: U.S. Census 2019-2023 American Community Survey 5-Year Estimates. Table DP02. SELECTED SOCIAL CHARACTERISTICS

Business & Employment Statistics


Panama City supports both business and residential activity. According to the Business Census (2024), there are 3,381 business establishments, employing about 41,343 people with an annual payroll of $2,105,229,000. USPS data shows 62,715 residential mailboxes and 3,866 business mailboxes, reflecting local delivery coverage.

# Residential Mailboxes:62,715Source: USPS
# Business Mailboxes:3,866Source: USPS
Total Delivery Receptacles:96,242Source: USPS
Single Family Delivery Units:36,659Source: USPS
Multi Family Delivery Units:8,644Source: USPS
# of Businesses:3,381Source: CBP
1st Quarter Payroll:$510,984,000Source: CBP
Annual Payroll:$2,105,229,000Source: CBP
# of Employees:41,343Source: CBP

All ZIP Codes assigned this City name by the USPS.

Geography, Land Area, and Statistical Classifications


Panama City, FL is located in Bay County, within the Panama City-Panama City Beach, FL Metropolitan Statistical Area (CBSA 37460) and Florida's 1st Congressional District. This Metro area has a population of 206,627 people, about 71.3% of whom live in Panama City. ZIP Codes here cover 483.774 sq mi of land and a water area of 128.677 sq mi.

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:483.774 sq miSource: Census
Water Area:128.677 sq miSource: Census
Congressional District(s):02Source: USPS
Intro Date:< 2004-10Source: ZIP-Codes.com
Place FIPS Code:54700Source: Census
Place Name:Panama City city; FloridaSource: Census

Sum of all ZIP Codes assigned this City name by the USPS.

Adjacent & Nearby Cities from Panama City, FL


  1. Inlet Beach, FL ~0.7 miles
  2. Lynn Haven, FL ~4.9 miles
  3. Panama City Beach, FL ~9.4 miles
  4. Youngstown, FL ~16.5 miles
  5. Ebro, FL ~23.7 miles
  6. Wewahitchka, FL ~24.3 miles
  7. Vernon, FL ~26.9 miles
  8. Fountain, FL ~27.4 miles
  9. Clarksville, FL ~28.2 miles
  10. Chipley, FL ~33.0 miles
  11. Port Saint Joe, FL ~33.1 miles
  12. Santa Rosa Beach, FL ~33.5 miles
  13. Altha, FL ~36.2 miles
  14. Alford, FL ~37.0 miles
  15. Freeport, FL ~38.2 miles
  16. Ponce De Leon, FL ~38.6 miles
  17. Blountstown, FL ~38.8 miles
  18. Caryville, FL ~39.4 miles
  19. Bristol, FL ~41.6 miles
  20. Miramar Beach, FL ~44.8 miles

Sources & References


Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on March 1, 2026.

  1. U.S. Postal Service [Last Updated: 3/1/2026], https://www.usps.com
  2. ZIP-Codes.com Proprietary Data Enhancements [Updated: 3/1/2026], https://www.zip-codes.com
  3. U.S. Census [Updated: Varies], https://www.census.gov
    • U.S. Census Office of Management and Budget [Updated: As Released]
    • U.S. Census 2020 Demographic & Housing Characteristics (DHC) [Decennial] [Updated: 5/25/2023]
    • U.S. Census 2011-2024 American Community Survey 5-year estimates (ACS) [Annually] [Updated: Annually, As Released]
    • U.S. Census Business Patterns [Annually] [Updated: Annually, As Released]
    • U.S. Census American National Standards Institute (ANSI) [Updated: As Released]
  4. U.S. Geological Survey [Updated: Varies], https://www.usgs.gov
  5. Centers for Medicare & Medicaid Services [Updated: Annually, As Released], https://www.cms.gov
  6. National Center for Education Statistics [Updated: 3/1/2026], https://nces.ed.gov