Zip code 32401: Panama City, Florida

Q: What city is zip code 32401?

32401 is assigned to Panama City, Florida. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 32401 in?

32401 is in Bay County, Florida.

Q: What is the population of 32401?

About 18,947 people live in 32401, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 32401?

The median household income in 32401 is $52,523.

Q: What zip codes are near 32401?

The closest zip codes to 32401 are 32417, 32405, 32444, 32402, 32406.

Residential delivery areaBay CountyCentral Time

Population

18,947

Median household income

$53K

U.S. $81K

Median home value

$231K

U.S. $333K

Median rent

$1,152/mo

U.S. $1,413

Median age

43.5

U.S. 38.9

Land area

13 sq mi

1,516 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 32401

32401 is a suburban zip code in Panama City, Florida (Bay County), covering 13 sq mi of land. About 18,947 people live here, or 1,516 per square mile. The median resident is 43.5 years old, compared with 38.9 nationally.

The median household earns $52,523 a year, 35% below the national median of $80,734. 16.3% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $230,500, or 4.4 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 60% of occupied homes are lived in by their owners, and renters pay a median of $1,152 a month.

21% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 21.3 minutes each way, and 10% of workers work from home. The most common jobs among working residents are in construction and repair; cleaning and personal care; and management.

How 32401 compares

Sorted from highest to lowest national percentile

Rent-burdened renters68.6%
96th
WeaknessU.S. 51.1% · FL 60.1%152nd of 945 in FL
Uninsured rate20%
95th
WeaknessU.S. 8.4% · FL 11.5%68th of 973 in FL
Income inequality (Gini)0.519
93rd
WeaknessU.S. 0.483 · FL 0.485118th of 968 in FL
Veterans10.1%
90th
U.S. 6.2% · FL 7.4%281st of 976 in FL
Housing vacancy14.9%
86th
U.S. 10.1% · FL 14.7%378th of 969 in FL
Self-employed workers13.3%
84th
U.S. 10% · FL 12.8%411th of 973 in FL
Unemployment rate7.2%
81st
WeaknessU.S. 5.2% · FL 4.8%124th of 973 in FL
Median age43.5
79th
U.S. 38.9 · FL 42.6465th of 977 in FL
Poverty rate16.3%
74th
U.S. 12.5% · FL 12.6%252nd of 970 in FL
Government workers17.3%
73rd
U.S. 14.5% · FL 11.7%163rd of 973 in FL
Residents 65 and older19.7%
72nd
U.S. 17.2% · FL 21.3%511th of 977 in FL
Diversity index56.5
64th
U.S. 61.4 · FL 64.7335th of 977 in FL
Foreign-born residents10.9%
54th
U.S. 14.1% · FL 21.9%514th of 977 in FL
Tech workers3%
52nd
U.S. 3.8% · FL 3.1%364th of 973 in FL
Population density1,516/sq mi
51st
U.S. 95/sq mi · FL 418/sq mi452nd of 977 in FL
Per capita income$37,460
42nd
U.S. $44,673 · FL $42,609494th of 977 in FL
Work from home10.1%
35th
U.S. 15.1% · FL 15.7%694th of 975 in FL
Median gross rent$1,152
33rd
U.S. $1,413 · FL $1,669718th of 902 in FL
Homeownership rate60.3%
33rd
U.S. 65.2% · FL 67.6%728th of 969 in FL
Population18,947
29th
U.S. 334,922,499 · FL 22,416,077517th of 977 in FL
Median home value$230,500
28th
U.S. $332,700 · FL $359,000728th of 935 in FL
Residents under 1819.6%
28th
U.S. 22% · FL 19.5%443rd of 977 in FL
Bachelor's degree or higher21.1%
23rd
U.S. 35.7% · FL 34.1%700th of 975 in FL
Median earnings per worker$39,671
20th
WeaknessU.S. $49,666 · FL $44,337676th of 961 in FL
Average commute21.3 min
19th
StrengthU.S. 26.4 min · FL 28 min854th of 948 in FL
Broadband access84.8%
12th
WeaknessU.S. 91% · FL 91.6%840th of 969 in FL
Median household income$52,523
11th
WeaknessU.S. $80,734 · FL $74,568806th of 948 in FL
Healthcare workers5%
4th
U.S. 9.7% · FL 9.5%882nd of 973 in FL

Measure	32401	Bay	FL	U.S.	National percentile	Rank in FL
Rent-burdened rentersWeakness	68.6%	60%	60.1%	51.1%	96th	152nd of 945
Uninsured rateWeakness	20%	14.4%	11.5%	8.4%	95th	68th of 973
Income inequality (Gini)Weakness	0.519	0.441	0.485	0.483	93rd	118th of 968
Veterans	10.1%	13.6%	7.4%	6.2%	90th	281st of 976
Housing vacancy	14.9%	27.3%	14.7%	10.1%	86th	378th of 969
Self-employed workers	13.3%	13.4%	12.8%	10%	84th	411th of 973
Unemployment rateWeakness	7.2%	3.9%	4.8%	5.2%	81st	124th of 973
Median age	43.5	41	42.6	38.9	79th	465th of 977
Poverty rate	16.3%	11.9%	12.6%	12.5%	74th	252nd of 970
Government workers	17.3%	17.6%	11.7%	14.5%	73rd	163rd of 973
Residents 65 and older	19.7%	18.3%	21.3%	17.2%	72nd	511th of 977
Diversity index	56.5	45	64.7	61.4	64th	335th of 977
Foreign-born residents	10.9%	8.6%	21.9%	14.1%	54th	514th of 977
Tech workers	3%	2.6%	3.1%	3.8%	52nd	364th of 973
Population density	1,516/sq mi	246/sq mi	418/sq mi	95/sq mi	51st	452nd of 977
Per capita income	$37,460	$40,782	$42,609	$44,673	42nd	494th of 977
Work from home	10.1%	10.1%	15.7%	15.1%	35th	694th of 975
Median gross rent	$1,152	$1,484	$1,669	$1,413	33rd	718th of 902
Homeownership rate	60.3%	66.8%	67.6%	65.2%	33rd	728th of 969
Population	18,947	186,393	22,416,077	334,922,499	29th	517th of 977
Median home value	$230,500	$310,500	$359,000	$332,700	28th	728th of 935
Residents under 18	19.6%	21.1%	19.5%	22%	28th	443rd of 977
Bachelor's degree or higher	21.1%	29.6%	34.1%	35.7%	23rd	700th of 975
Median earnings per workerWeakness	$39,671	$42,440	$44,337	$49,666	20th	676th of 961
Average commuteStrength	21.3 min	23.9 min	28 min	26.4 min	19th	854th of 948
Broadband accessWeakness	84.8%	92.8%	91.6%	91%	12th	840th of 969
Median household incomeWeakness	$52,523	$73,533	$74,568	$80,734	11th	806th of 948
Healthcare workers	5%	7.5%	9.5%	9.7%	4th	882nd of 973

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

14%

5–17

18–24

13%

25–34

12%

35–44

13%

45–54

16%

55–64

11%

65–74

75+

Median age

43.5

Under 18

19.6%

65 and over

19.7%

Race and ethnicity

White61%
Black23%
Hispanic10%
Asian2%
Native American0.1%
Pacific Islander0.2%
Other0.3%
Multiracial3%

Diversity index

56.5

U.S. 61.4

Foreign-born

10.9%

U.S. 14.1%

Born in state

46.6%

Language spoken at home (households)

English only

89%

Spanish

Other Indo-European

Asian / Pacific

Other

0.0%

Households

Households: 8,951
Average household size: 2.1
Family households: 47.8%
Married couples: 30.9%
Living alone: 42.5%
Veterans (of adults): 10.1%
Male / female: 48% / 52%

Income and poverty

Household income distribution

<$25k

25%

$25–50k

22%

$50–75k

19%

$75–100k

13%

$100–150k

13%

$150–200k

$200k+

Median household income

32401

$52,523

Bay Co.

$73,533

Florida

$74,568

United States

$80,734

Per capita income

$37,460

U.S. $44,673

Poverty rate

16.3%

U.S. 12.5%

Households earning $150K+

U.S. 23%

Income inequality (Gini)

0.519

U.S. 0.483

Housing

Median home value

32401

$230,500

Bay Co.

$310,500

Florida

$359,000

United States

$332,700

Median gross rent

32401

$1,152

Bay Co.

$1,484

Florida

$1,669

United States

$1,413

Types of housing

Single-family

68%

2–4 units

11%

5–19 units

20+ units

Mobile home

Boat, RV, van

0.3%

Housing units: 10,522
Owner-occupied: 60.3%
Vacant: 14.9%
Median year built: 1964
Median rooms: 5.2
Renters paying 30%+ of income: 68.6%
Renters paying 50%+ of income: 28.2%
Home value to income: 4.4× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

71%

Carpooled

15%

Transit

0.1%

Walked

Bicycle

0.8%

Worked from home

10%

Other

Commute time (one way)

<10 min

21%

10–19

39%

20–29

16%

30–44

12%

45–59

60+

Average commute

21.3 min

U.S. 26.4 min

Unemployment

7.2%

U.S. 5.2%

In labor force

60.3%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Construction and repair

12%

Cleaning and personal care

10%

Management

Office and admin

Food service

Sales

Transportation and moving

Education

Legal and social services

Healthcare

Production

Computer and math

Business and finance

Police and fire

Engineering and science

Arts, media and sports

Farming, fishing and forestry

0.3%

Industries

Restaurants and hotels

10%

Construction

10%

Health care and social assistance

Retail

Education

Admin, support and management

Other services

Public administration

Professional and technical services

Finance, insurance and real estate

Transportation, warehousing and utilities

Manufacturing

Wholesale

Arts and recreation

Information

Agriculture and mining

Median earnings per worker

$39,671

U.S. $49,666

Self-employed

13.3%

U.S. 10%

Government workers

17.3%

U.S. 14.5%

Nonprofit workers

6.6%

U.S. 8.8%

Median earnings by type of work

Type of work	32401	U.S.
Management, business, science and arts	$58,985	$74,888
Service	$24,545	$26,804
Sales and office	$38,728	$40,476
Construction and maintenance	$38,730	$49,199
Production and transportation	$36,214	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

12%

High school

34%

Some college

24%

Associate's

Bachelor's

14%

Graduate

High school graduate or higher: 87.9%
Bachelor's degree or higher: 21.1%
Graduate or professional degree: 7.3%
Households with broadband: 84.8%
Cable, fiber or DSL: 65.6%
No internet access: 13.9%
Without health insurance: 20%
Limited-English households: 3.6%

Geography

City (USPS): Panama City
State: Florida
County: Bay County
Center point: 30.1584° N, 85.6380° W
Land area: 13 sq mi
Water area: 18 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Panama City63% of zip
Springfield13% of zip
Cedar Grove (unincorporated)4% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 32401

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
32417	Panama City, FL · PO box	1.3 mi	—	—	—
32405	Panama City, FL	3.4 mi	29,984	$73,373	$279,900
32444	Lynn Haven, FL	5.6 mi	21,459	$83,160	$331,000
32402	Panama City, FL · PO box	6.2 mi	—	—	—
32406	Panama City, FL · PO box	6.2 mi	—	—	—
32411	Panama City, FL · PO box	6.2 mi	—	—	—
32412	Panama City, FL · PO box	6.2 mi	—	—	—
32408	Panama City, FL	7 mi	18,832	$80,822	$382,300
32404	Panama City, FL	8 mi	42,514	$74,708	$273,500
32403	Panama City, FL	9.1 mi	447	$118,594	—
32407	Panama City Beach, FL	9.5 mi	16,404	$80,831	$404,200
32409	Panama City, FL	13 mi	11,113	$64,516	$275,700

Zip codes like 32401 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 32401

What city is zip code 32401?

32401 is assigned to Panama City, Florida. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 32401 in?

32401 is in Bay County, Florida.

What is the population of 32401?

About 18,947 people live in 32401, according to the Census Bureau's American Community Survey.

What time zone is 32401 in?

32401 is in Central Time.

What is the median household income in 32401?

The median household income in 32401 is $52,523.

What zip codes are near 32401?

The closest zip codes to 32401 are 32417, 32405, 32444, 32402, 32406.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 32401, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.