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Population & Demographics

ZIP Code 32408 has 17,479 residents and 7,801 households (average 2.23 persons per household). The median age is 48.1 years, older than the state (43.0) and significantly older than the nation (38.8). The gender split is 50.2% male and 49.8% female, which is slightly higher than the state male share (48.6%). Largest groups are White (82.9%, much higher than the state average of 57.7% and well above the national average of 61.6%) and Hispanic or Latino (6.3%); Hispanic or Latino residents make up 6.3%, which is much lower than the state average (26.5%).

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 2011-2023 American Community Survey (ACS) 5-Year Estimates.

2020 Population:	17,479Source: Census DHC
2023 ACS Population Estimate:	18,326Source: Census ACS
2025 ZC Population Estimate:	28,822Source: ZIP-Codes.com
Population Density:	2,039.8 people per sq mile
Average Income:	$72,322Source: Census ACS

Households:	7,801Source: Census DHC
Average House Value:	$352,400Source: Census ACS
Persons Per Household:	2.23Source: Census DHC
Average Family Size:	3.05Source: Census ACS

Population Over Time (with 2010 & 2020 Census Benchmarks)

Line chart of ZIP 32408 population estimates from 2011-2023, 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	--	15,268	16,418	16,244	15,997	15,200	16,085	16,861	18,141	18,864	19,463	19,821	18,594	18,326
Decennial Census	15,352	--	--	--	--	--	--	--	--	--	17,479	--	--	--

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: 48.1

Male Median Age: 47.3

Female Median Age: 48.9

Line chart for ZIP 32408 showing total, male, and female population by age group. 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	360	384	431	432	431	493	546	521	510	575	707	768	805	656	534	333	181	116
Female	329	375	425	438	342	455	503	570	470	568	706	863	762	645	537	329	192	187
Total	689	759	856	870	773	948	1,049	1,091	980	1,143	1,413	1,631	1,567	1,301	1,071	662	373	303

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

Pie Chart & Table Comparison Chart

Population by Race

Pie chart of the racial and ethnic makeup of ZIP 32408. Table below includes counts and percentages. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

White:	14,497	84.77%
Black:	660	3.86%
Hispanic:*	1,107	6.47%
Asian:	342	2.00%
American Indian:	113	0.66%
Hawaiian:	23	0.13%
Other:	359	2.10%
Total:	17,101	100%

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 Comparison Chart

Gender Breakdown

Simple chart showing male vs female share of the population in ZIP Code 32408. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Gender	Count	%	Median Age
Males:	8,783	50.25%	47.3 years
Females:	8,696	49.75%	48.9 years
Total:	17,479	100%	48.1 years

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

Nativity & Citizenship

Pie chart showing nativity in ZIP 32408. 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:	15,872	86.61%
Native, born in PR, Island Areas, or abroad:	467	2.55%
Foreign born, naturalized U.S. citizen:	1,166	6.36%
Foreign born, not a U.S. citizen:	821	10.84%
Total Population:	18,326	100%
Total Native Population:	16,339	89.16%
Total Foreign-born Population:	1,987	10.84%

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

In 2023, the Median household income is $72,322, which is far less than the national median ($78,538), is up $24,190 (50.3%) since 2011 and above its 2019 pre-pandemic level by $14,679. Family households earn a median of $87,165 versus $51,241 for nonfamily households (a difference of $35,924). By gender, male median income is $63,345 and female is $50,888, which is considerably higher than the state female median ($47,382), with a current gap of $12,457 that has widened from 2011 to 2023. The labor-force participation rate is 63.7%, which is higher than the state rate (59.6%). The unemployment rate is 3.9%, which is below the national rate (5.2%). The largest occupation group is Management (43.6%).

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

Source: U.S. Census 2011-2023 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 in ZIP 32408 from 2011-2023 for five series: household, family, nonfamily, male, and female. The table below lists the yearly values. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Income Type	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Median Household Income	$48,132	$50,661	$49,092	$49,450	$49,412	$52,106	$54,000	$56,740	$57,643	$57,202	$62,386	$64,561	$72,322
Median Family Income	$63,507	$64,906	$62,974	$63,102	$63,824	$65,568	$67,307	$72,457	$79,016	$73,788	$77,331	$81,019	$87,165
Median NonFamily Income	$37,716	$37,761	$36,544	$37,644	$38,043	$36,217	$37,418	$42,861	$42,578	$42,008	$48,777	$53,111	$51,241
Median Male Income	$42,708	$41,439	$38,848	$36,878	$40,741	$43,134	$42,320	$45,732	$49,452	$44,794	$51,220	$61,396	$63,345
Median Female Income	$34,381	$36,206	$37,830	$36,988	$34,773	$34,720	$34,655	$35,147	$37,723	$37,745	$40,801	$47,278	$50,888

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP03. SELECTED ECONOMIC CHARACTERISTICS

Average Household Income

Bar chart showing average household income comparing ZIP 32408, city of Panama City, Bay County, state of Florida, and United States national values. 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

Pie Chart & Table Comparison Chart

Employment Status

Pie chart of employment status for ZIP 32408, showing the shares who are employed, unemployed, and not in the labor force. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Employed:	9,448	60.84%
Unemployed:	381	2.45%
Not In Labor Force:	5,701	36.71%
Total:	15,530	100%

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)

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:	4,122	43.63%
Service:	1,555	16.46%
Sales and Office:	2,167	22.94%
Natural resources, construction, and maintenance:	1,040	11.01%
Production, transportation, and material moving:	564	5.97%
Total Civilian Employed Population:	9,448	100%

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

Housing & Affordability

In 2023, the median home value is $352,400, which is markedly greater than the national median ($303,400), is up $108,600 (44.54%) since 2011 and above its 2019 pre-pandemic level by $113,800. The median gross rent is $1,453, which is higher than the national median ($1,348), is up $512 (54.41%) since 2011 and above its 2019 pre-pandemic level by $326. Of occupied housing, owners make up 68.18% (55.68% with a mortgage, 44.32% free-and-clear) and renters 31.82% - making this ZIP Code more home ownership than the state and under national rental averages. The vacancy rate is 47.41%, which is far higher than the national rate (10.43%).

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

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. Using data from Table DP03, SELECTED ECONOMIC CHARACTERISTICS.

Median Home Value (Comparison)

Bar chart showing the median home value for ZIP 32408, compared with Panama City, Bay County, state of Florida, and the U.S. 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 DP04. SELECTED HOUSING CHARACTERISTICS

Median Home Value Over Time

Line chart showing median home values for ZIP 32408 across years 2011-2023 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	$243,800	$234,700	$225,200	$208,000	$214,100	$211,300	$221,700	$223,000	$238,600	$257,300	$271,400	$318,200	$352,400

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Gross Rent Paid

Pie chart of gross rent for renter-occupied homes in ZIP 32408, showing monthly rent brackets and the share of units in each range. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Less than $500:	0	0.00%
$500 to $999:	410	14.40%
$1,000 to $1,499:	1,043	36.62%
$1,500 to $1,999:	748	26.26%
$2,000 to $2,499:	387	13.59%
$2,500 to $2,999:	129	4.53%
$3,000 or more:	34	1.19%
No Rent:	97	3.41%
Total:	2,848	100%

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

Median Gross Rent Over Time

Line chart displaying median gross rent for ZIP 32408 over the years 2011-2023 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	$941	$921	$965	$953	$938	$992	$1,039	$1,080	$1,127	$1,100	$1,149	$1,295	$1,453

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. DP04. SELECTED HOUSING CHARACTERISTICS

Housing Occupancy

Pie chart showing housing occupancy for ZIP 32408. 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 chart. Chart loads automatically and replaces this content. Load Chart Manually (if needed)

Owner Occupied (with mortgage):	3,397	37.96%
Owner Occupied (free and clear, no mortgage):	2,704	30.22%
Renter Occupied:	2,848	31.82%
Total Occupied Housing Units:	8,949	100%

Occupied Housing Units:	8,949	52.59%
Vacant Housing Units (not graphed):	8,069	47.41%
Total Housing Units:	17,018	100%

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

Housing Type (Single-Family, Multi-Family, Other)

Pie chart showing housing type distribution for ZIP 32408. Categories include single-family units (detached or attached), multi-family units (from 2 units up to 50 or more units), and other structures such as mobile homes or boats/RVs. A table below lists counts and percentages for each group.Load Chart Manually (if needed)

Single-Family Units:	7,099	41.71%
Multi-Family Units:	8,587	50.46%
Other Units:	1,332	7.83%
Total Housing Units:	17,018	100%

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

Education, Health & Community

In 2023, 38.60% of adults (25+) have a bachelor's degree or higher, which is markedly above the state rate (33.20%). High school or higher is 96.20%, which is far higher than the national rate (89.40%). The uninsured rate is 10.30%, which is comparable to the national rate (8.60%). The share of people in poverty is 4.80%, which is markedly below the state rate (8.90%), down 0.30 percentage points since 2011 and below its 2019 pre-pandemic level by 6.40 percentage points. Poverty has been broadly stable, which may reflect structural barriers or offsetting gains and setbacks. Among residents ages 3+, the largest enrollment group is elementary (44.13%). College enrollment is 26.93%, which is on par with the state rate (27.90%), meaning the community mirrors broader higher-education participation.

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

Source: U.S. Census 2011-2023 American Community Survey 5-Year Estimates. Using data from Tables DP02 and DP03.

Educational Attainment of Adults (25 and Older)

Pie chart of educational attainment for adults (25+) in ZIP 32408, including each level from less than 9th grade to graduate/professional. Summary rows show high school or higher and bachelor's or higher. A table lists counts and percentages.Load Chart Manually (if needed)

Less than 9th grade:	130	0.89%
9th to 12th grade, no diploma:	421	2.88%
High school graduate (includes equivalency):	3,206	21.92%
Some college, no degree:	3,319	22.70%
Associate's degree:	1,901	13.00%
Bachelor's degree:	3,768	25.77%
Graduate or professional degree:	1,879	12.85%
Total:	14,624	100%
High school or higher:	14,073	96.23%
Bachelor's degree or higher:	5,647	38.61%

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

Pie Chart & Table Comparison Chart

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

Pie chart illustrating health insurance coverage by type for ZIP Code 32408. 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:	12,612	58.29%
Public Insurance:	7,145	33.02%
No Insurance:	1,879	8.68%
Total:	21,636	100%
Has Health Insurance:	19,757	91.32%

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

Percentage of People in Poverty Over Time (2011-2023)

Line chart displaying the share of families and people in ZIP 32408 whose income falls below the federal poverty threshold, using ACS 5-year estimates from 2011 through 2023. 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	5.1%	5.5%	6.0%	6.3%	6.3%	8.9%	10.3%	10.4%	11.2%	9.1%	5.9%	4.0%	4.8%

Source: U.S. Census 2011-2023 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)

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. A table with the same data and percentages is provided as well.Load Chart Manually (if needed)

Nursery School, Preschool:	116	4.02%
Kindergarten:	173	5.99%
Elementary school (grades 1-8):	1,275	44.13%
High school (grades 9-12):	547	18.93%
College or graduate school:	778	26.93%
Total:	2,889	100%
Early Childhood:	289	10.00%
K-12 (Primary & Secondary School):	1,995	69.06%

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

City:	Panama City, Florida
City Alias:	P C Beach, Panama City Beach
County:	Bay County
Timezone:	Central (GMT -06:00)
Local Time:	8:33:35 PM
Population:	17,479 [See All]
Area Codes:	850 / 448
Classification:	Standard [Normal Street Delivery]
Coordinates:	30.1546, -85.7594
Land Area:	8.569 sq mi
Quick Link:	https://www.zip-codes.com/zip-code/32408/zip-code-32408.asp

# Residential Mailboxes:	12,925Source: USPS
# Business Mailboxes:	550Source: USPS
Total Delivery Receptacles:	18,076Source: USPS
Single Family Delivery Units:	4,449Source: USPS
Multi Family Delivery Units:	5,721Source: USPS

# of Businesses:	538Source: CBP
1st Quarter Payroll:	$51,181,000Source: CBP
Annual Payroll:	$218,985,000Source: CBP
# of Employees:	5,001Source: 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
Land Area:	8.569 sq miSource: Census
Water Area:	4.273 sq miSource: Census

Congressional District:	02Source: USPS
Congressional Land Area:	8613.58 sq miSource: Census
PMSA:	--Source: Census
Intro Date:	< 2004-10Source: ZIP-Codes.com
Place FIPS Code:	1254700Source: Census
Place Name:	Panama City city; FloridaSource: Census

ZIP Code 32408 in Panama City, FL

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

Gross Rent Paid

Median Gross Rent Over Time

Housing Occupancy

Housing Type (Single-Family, Multi-Family, Other)

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 (2011-2023)

School Enrollment by Education Level (Ages 3 and Older)

Business & Employment Statistics

Geography, Land Area, & Statistical Classifications

Adjacent & Nearby ZIP Codes

Schools in ZIP Code 32408

Colleges & Post Secondary Schools near ZIP Code 32408

Sources & References