ZIP Codes of Bay County, FL

Population & People
Population & People
Total Population
186,434
Household Income
Household Income
Median Income
$73,542
Housing
Housing
Total Housing Units
108,135
Business & Economy
Business & Economy
Total Businesses
5,301
Employment
Employment
Employment Rate
59.65%
Education
Education
Bachelor's Degree+
29.51%
Source: U.S. Census ACS 2024 5-Year Estimates · rolled up across the 17 ZIPs in this county.
Data Last Updated: June 1, 2026
ZIP Codes:17 ZIP Codes (11 Standard, 6 PO Box, 0 Unique) [See All]
Area Codes:448 / 850
Timezone:Central (GMT -06:00)
Local Time:2:11:36 PM
Population:186,434 [See All]
FIPS:12005
CBSA:Panama City-Panama City Beach, FL
Land Area:843 sq mi
Water Area:136 sq mi
Coordinates:30.2062, -85.6453
Quick Link:
https://www.zip-codes.com/county/fl-bay.asp
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Florida's #30 most populous county
186,434 residents across 17 ZIPs — #30 of 67 Florida counties.

Standout ZIPs in this County


Most Populous
Panama City · 42,514 people
22.8% of county total
Highest Income
Lynn Haven · $83,160 median
1.1× county average
Largest Land Area
Youngstown · 216.1 sq mi
Spans the most ground
Fastest Growth
Panama City Beach · 69.1% (10-yr)
9,699 → 16,404 residents
Most Educated
Panama City Beach · 40.0% bachelor's+
4,669 of 11,683 adults 25+

Things worth knowing about Bay County


186,434 residents live across 17 ZIPs covering 843 sq mi, served by 6 distinct USPS-recognized cities.

Population moved from 174,164 to 186,434 from 2014 to 2024 — a +7.0% change. 7 ZIPs gained residents, 5 lost.

The county's wealthiest ZIP 32444 (Lynn Haven, $83,160 median) and poorest ZIP 32438 (Fountain, $50,000) are 23.1 miles apart — a 1.7× income gap across local geography.

Median home values vary 2.9× across this county — from $153,700 in 32438 (Fountain) to $441,300 in 32413 (Panama City Beach).

Density varies 74× across the county — from 27 people/sq mi in 32466 (Youngstown) to 2,014 in 32444 (Lynn Haven).

Educational attainment ranges from 13.1% bachelor's+ in 32438 (Fountain) to 40.0% in 32407 (Panama City Beach) — the breadth of educational profiles across the area.

Within Florida, this is the #30 most populous of 67 counties and ranks #30 for median household income with the #37 fastest decade growth .

Weighted by population, the typical household earns about $73,181 across the county — reflecting what a typical resident sees, not a simple ZIP average.

29.5% of adults age 25+ hold a bachelor's degree or higher (39,235 of 132,936 reporting). The most-educated ZIPs cluster around Panama City Beach.

11 Standard delivery, 6 PO Box only, 0 single-entity Unique ZIPs serve this county.

All ZIP Codes in Bay County


ZIPCityTypePopulationMedian IncomeArea (sq mi)10-yr Growth
32404Panama CityStandard42,514$74,708204.013.3%
32405Panama CityStandard29,984$73,37318.8-4.7%
32444Lynn HavenStandard21,459$83,16010.77.5%
32401Panama CityStandard18,947$52,52311.4-18.9%
32408Panama CityStandard18,832$80,8229.417.7%
32407Panama City BeachStandard16,404$80,83119.169.1%
32413Panama City BeachStandard15,453$80,03991.414.2%
32409Panama CityStandard11,113$64,516161.127.5%
32466YoungstownStandard5,916$60,337216.1-2.7%
32438FountainStandard4,815$50,00056.939.9%
32410Mexico BeachPO Box550$63,6060.0-48.8%
32403Panama CityStandard447$118,59444.4-86.6%
32411Panama CityPO Box0.0
32402Panama CityPO Box0.0
32412Panama CityPO Box0.0
32406Panama CityPO Box0.0
32417Panama CityPO Box0.0

Adjacent & Nearby Counties