Zip code 32403: Panama City, Florida

Q: What city is zip code 32403?

32403 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 32403 in?

32403 is in Bay County, Florida.

Q: What is the population of 32403?

About 447 people live in 32403, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 32403?

The median household income in 32403 is $118,594.

Q: What zip codes are near 32403?

The closest zip codes to 32403 are 32401, 32404, 32410, 32417, 32405.

Residential delivery areaBay CountyCentral Time

Population

447

Small sample: rough estimates

Median household income

$119K

U.S. $81K

Median home value

—

U.S. $333K

Median rent

$2,422/mo

U.S. $1,413

Median age

23.3

U.S. 38.9

Land area

44 sq mi

10 people/sq mi

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

About 32403

32403 is a rural zip code in Panama City, Florida (Bay County), covering 44 sq mi of land. About 447 people live here, or 10 per square mile. The median resident is 23.3 years old, compared with 38.9 nationally. With so few residents, the Census figures below are rough estimates with wide margins of error.

The median household earns $118,594 a year, 47% above the national median of $80,734. 4.3% of residents live below the poverty line (U.S.: 12.5%). 0% of occupied homes are lived in by their owners, and renters pay a median of $2,422 a month.

36% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 13.4 minutes each way, and 0% of workers work from home. The most common jobs among working residents are in transportation and moving goods; education; and construction and repair. 48% of households speak a language other than English at home, most often Spanish.

How 32403 compares

Sorted from highest to lowest national percentile

Only about 447 people live here, so these survey estimates have wide margins of error.

Broadband access100%
99th
StrengthU.S. 91% · FL 91.6%3rd of 969 in FL
Housing vacancy31.7%
98th
U.S. 10.1% · FL 14.7%103rd of 969 in FL
Unemployment rate10.3%
95th
WeaknessU.S. 5.2% · FL 4.8%35th of 973 in FL
Median gross rent$2,422
94th
U.S. $1,413 · FL $1,66954th of 902 in FL
Healthcare workers14.1%
93rd
U.S. 9.7% · FL 9.5%65th of 973 in FL
Diversity index68
89th
U.S. 61.4 · FL 64.780th of 977 in FL
Veterans9.7%
88th
U.S. 6.2% · FL 7.4%318th of 976 in FL
Median household income$118,594
84th
StrengthU.S. $80,734 · FL $74,56870th of 948 in FL
Government workers19.2%
82nd
U.S. 14.5% · FL 11.7%128th of 973 in FL
Uninsured rate11.4%
78th
U.S. 8.4% · FL 11.5%434th of 973 in FL
Bachelor's degree or higher35.6%
58th
U.S. 35.7% · FL 34.1%366th of 975 in FL
Foreign-born residents9.2%
48th
U.S. 14.1% · FL 21.9%595th of 977 in FL
Residents under 1820.6%
36th
U.S. 22% · FL 19.5%367th of 977 in FL
Per capita income$34,919
34th
U.S. $44,673 · FL $42,609590th of 977 in FL
Median earnings per worker$36,500
12th
WeaknessU.S. $49,666 · FL $44,337790th of 961 in FL
Rent-burdened renters36.6%
10th
StrengthU.S. 51.1% · FL 60.1%865th of 945 in FL
Poverty rate4.3%
8th
StrengthU.S. 12.5% · FL 12.6%904th of 970 in FL
Population447
1st
U.S. 334,922,499 · FL 22,416,077942nd of 977 in FL
Population density10/sq mi
1st
U.S. 95/sq mi · FL 418/sq mi962nd of 977 in FL
Median age23.3
1st
U.S. 38.9 · FL 42.6957th of 977 in FL
Homeownership rate0%
1st
WeaknessU.S. 65.2% · FL 67.6%960th of 969 in FL
Average commute13.4 min
1st
StrengthU.S. 26.4 min · FL 28 min937th of 948 in FL
Work from home0%
1st
U.S. 15.1% · FL 15.7%941st of 975 in FL
Residents 65 and older0%
1st
U.S. 17.2% · FL 21.3%962nd of 977 in FL
Tech workers0%
1st
U.S. 3.8% · FL 3.1%882nd of 973 in FL
Self-employed workers0%
1st
U.S. 10% · FL 12.8%950th of 973 in FL
Income inequality (Gini)0.279
1st
StrengthU.S. 0.483 · FL 0.485945th of 968 in FL

Measure	32403	Bay	FL	U.S.	National percentile	Rank in FL
Broadband accessStrength	100%	92.8%	91.6%	91%	99th	3rd of 969
Housing vacancy	31.7%	27.3%	14.7%	10.1%	98th	103rd of 969
Unemployment rateWeakness	10.3%	3.9%	4.8%	5.2%	95th	35th of 973
Median gross rent	$2,422	$1,484	$1,669	$1,413	94th	54th of 902
Healthcare workers	14.1%	7.5%	9.5%	9.7%	93rd	65th of 973
Diversity index	68	45	64.7	61.4	89th	80th of 977
Veterans	9.7%	13.6%	7.4%	6.2%	88th	318th of 976
Median household incomeStrength	$118,594	$73,533	$74,568	$80,734	84th	70th of 948
Government workers	19.2%	17.6%	11.7%	14.5%	82nd	128th of 973
Uninsured rate	11.4%	14.4%	11.5%	8.4%	78th	434th of 973
Bachelor's degree or higher	35.6%	29.6%	34.1%	35.7%	58th	366th of 975
Foreign-born residents	9.2%	8.6%	21.9%	14.1%	48th	595th of 977
Residents under 18	20.6%	21.1%	19.5%	22%	36th	367th of 977
Per capita income	$34,919	$40,782	$42,609	$44,673	34th	590th of 977
Median earnings per workerWeakness	$36,500	$42,440	$44,337	$49,666	12th	790th of 961
Rent-burdened rentersStrength	36.6%	60%	60.1%	51.1%	10th	865th of 945
Poverty rateStrength	4.3%	11.9%	12.6%	12.5%	8th	904th of 970
Population	447	186,393	22,416,077	334,922,499	1st	942nd of 977
Population density	10/sq mi	246/sq mi	418/sq mi	95/sq mi	1st	962nd of 977
Median age	23.3	41	42.6	38.9	1st	957th of 977
Homeownership rateWeakness	0%	66.8%	67.6%	65.2%	1st	960th of 969
Average commuteStrength	13.4 min	23.9 min	28 min	26.4 min	1st	937th of 948
Work from home	0%	10.1%	15.7%	15.1%	1st	941st of 975
Residents 65 and older	0%	18.3%	21.3%	17.2%	1st	962nd of 977
Tech workers	0%	2.6%	3.1%	3.8%	1st	882nd of 973
Self-employed workers	0%	13.4%	12.8%	10%	1st	950th of 973
Income inequality (Gini)Strength	0.279	0.441	0.485	0.483	1st	945th of 968

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

17%

5–17

44%

18–24

11%

25–34

17%

35–44

45–54

55–64

65–74

75+

Median age

23.3

Under 18

20.6%

65 and over

Race and ethnicity

White45%
Black16%
Hispanic30%
Asian4%
Native American0.4%
Pacific Islander0.4%
Other0%
Multiracial5%

Diversity index

U.S. 61.4

Foreign-born

9.2%

U.S. 14.1%

Born in state

14.1%

Language spoken at home (households)

English only

52%

Spanish

48%

Other Indo-European

Asian / Pacific

Other

Households

Households: 71
Average household size: 3.3
Family households: 100%
Married couples: 100%
Living alone: 0%
Veterans (of adults): 9.7%
Male / female: 66% / 34%

Income and poverty

Household income distribution

<$25k

$25–50k

$50–75k

32%

$75–100k

$100–150k

31%

$150–200k

32%

$200k+

Median household income

32403

$118,594

Bay Co.

$73,533

Florida

$74,568

United States

$80,734

Per capita income

$34,919

U.S. $44,673

Poverty rate

4.3%

U.S. 12.5%

Households earning $150K+

32.4%

U.S. 23%

Income inequality (Gini)

0.279

U.S. 0.483

Housing

Median home value

32403

—

Bay Co.

$310,500

Florida

$359,000

United States

$332,700

Median gross rent

32403

$2,422

Bay Co.

$1,484

Florida

$1,669

United States

$1,413

Types of housing

Single-family

95%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 104
Owner-occupied: 0%
Vacant: 31.7%
Median year built: 2009
Median rooms: 6
Renters paying 30%+ of income: 36.6%
Renters paying 50%+ of income: 4.2%
Home value to income: —

Work and commute

How people get to work

Drove alone

78%

Carpooled

Transit

Walked

18%

Bicycle

0.6%

Worked from home

Other

Commute time (one way)

<10 min

20%

10–19

71%

20–29

30–44

45–59

60+

0.6%

Average commute

13.4 min

U.S. 26.4 min

Unemployment

10.3%

U.S. 5.2%

In labor force

92.7%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Transportation and moving

29%

Education

21%

Construction and repair

17%

Healthcare

14%

Management

10%

Cleaning and personal care

Food service

Business and finance

Computer and math

Engineering and science

Legal and social services

Arts, media and sports

Police and fire

Sales

Office and admin

Farming, fishing and forestry

Production

Industries

Transportation, warehousing and utilities

40%

Health care and social assistance

26%

Public administration

10%

Education

Construction

Arts and recreation

Restaurants and hotels

Retail

Manufacturing

Professional and technical services

Finance, insurance and real estate

Admin, support and management

Other services

Wholesale

Information

Agriculture and mining

Median earnings per worker

$36,500

U.S. $49,666

Self-employed

U.S. 10%

Government workers

19.2%

U.S. 14.5%

Nonprofit workers

U.S. 8.8%

Median earnings by type of work

Type of work	32403	U.S.
Management, business, science and arts	$12,222	$74,888
Service	$19,375	$26,804
Sales and office	—	$40,476
Construction and maintenance	—	$49,199
Production and transportation	—	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

20%

High school

31%

Some college

Associate's

Bachelor's

25%

Graduate

11%

High school graduate or higher: 80%
Bachelor's degree or higher: 35.6%
Graduate or professional degree: 10.6%
Households with broadband: 100%
Cable, fiber or DSL: 63.4%
No internet access: 0%
Without health insurance: 11.4%
Limited-English households: 0%

Geography

City (USPS): Panama City
State: Florida
County: Bay County
Center point: 30.0486° N, 85.5532° W
Land area: 44 sq mi
Water area: 30 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Tyndall AFB (unincorporated)33% of zip

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

Zip codes near 32403

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
32401	Panama City, FL	9.1 mi	18,947	$52,523	$230,500
32404	Panama City, FL	9.8 mi	42,514	$74,708	$273,500
32410	Mexico Beach, FL	10 mi	550	$63,606	$460,900
32417	Panama City, FL · PO box	10 mi	—	—	—
32405	Panama City, FL	13 mi	29,984	$73,373	$279,900
32408	Panama City, FL	14 mi	18,832	$80,822	$382,300
32444	Lynn Haven, FL	14 mi	21,459	$83,160	$331,000
32402	Panama City, FL · PO box	15 mi	—	—	—
32406	Panama City, FL · PO box	15 mi	—	—	—
32411	Panama City, FL · PO box	15 mi	—	—	—
32412	Panama City, FL · PO box	15 mi	—	—	—
32407	Panama City Beach, FL	18 mi	16,404	$80,831	$404,200

Questions about 32403

What city is zip code 32403?

32403 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 32403 in?

32403 is in Bay County, Florida.

What is the population of 32403?

About 447 people live in 32403, according to the Census Bureau's American Community Survey.

What time zone is 32403 in?

32403 is in Central Time.

What is the median household income in 32403?

The median household income in 32403 is $118,594.

What zip codes are near 32403?

The closest zip codes to 32403 are 32401, 32404, 32410, 32417, 32405.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 32403, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.