Zip code 32404: Panama City, Florida

Q: What city is zip code 32404?

32404 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 32404 in?

32404 is in Bay County, Florida.

Q: What is the population of 32404?

About 42,514 people live in 32404, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 32404?

The median household income in 32404 is $74,708.

Q: What zip codes are near 32404?

The closest zip codes to 32404 are 32401, 32417, 32444, 32405, 32403.

Residential delivery areaBay CountyCentral Time

Population

42,514

Median household income

$75K

U.S. $81K

Median home value

$274K

U.S. $333K

Median rent

$1,399/mo

U.S. $1,413

Median age

37.1

U.S. 38.9

Land area

135 sq mi

315 people/sq mi

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

About 32404

32404 is a small-town zip code in Panama City, Florida (Bay County), covering 135 sq mi of land. About 42,514 people live here, or 315 per square mile. The median resident is 37.1 years old, compared with 38.9 nationally.

The median household earns $74,708 a year, close to the national median of $80,734. 10.5% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $273,500, or 3.7 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 69% of occupied homes are lived in by their owners, and renters pay a median of $1,399 a month.

23% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 26.4 minutes each way, and 7% of workers work from home. The most common jobs among working residents are in sales; office and administrative support; and construction and repair.

How 32404 compares

Sorted from highest to lowest national percentile

Veterans15.3%
98th
U.S. 6.2% · FL 7.4%56th of 976 in FL
Broadband access96.1%
86th
StrengthU.S. 91% · FL 91.6%150th of 969 in FL
Uninsured rate13.5%
85th
WeaknessU.S. 8.4% · FL 11.5%280th of 973 in FL
Government workers18.2%
77th
U.S. 14.5% · FL 11.7%146th of 973 in FL
Population42,514
71st
U.S. 334,922,499 · FL 22,416,077131st of 977 in FL
Housing vacancy9.9%
71st
U.S. 10.1% · FL 14.7%581st of 969 in FL
Rent-burdened renters55.7%
69th
U.S. 51.1% · FL 60.1%560th of 945 in FL
Residents under 1822.7%
56th
U.S. 22% · FL 19.5%249th of 977 in FL
Self-employed workers9.6%
54th
U.S. 10% · FL 12.8%706th of 973 in FL
Average commute26.4 min
53rd
U.S. 26.4 min · FL 28 min559th of 948 in FL
Diversity index50.9
53rd
U.S. 61.4 · FL 64.7453rd of 977 in FL
Homeownership rate69.2%
51st
U.S. 65.2% · FL 67.6%595th of 969 in FL
Median gross rent$1,399
50th
U.S. $1,413 · FL $1,669573rd of 902 in FL
Poverty rate10.5%
48th
U.S. 12.5% · FL 12.6%540th of 970 in FL
Median household income$74,708
43rd
U.S. $80,734 · FL $74,568436th of 948 in FL
Median home value$273,500
38th
U.S. $332,700 · FL $359,000621st of 935 in FL
Median age37.1
35th
U.S. 38.9 · FL 42.6800th of 977 in FL
Foreign-born residents6%
34th
U.S. 14.1% · FL 21.9%732nd of 977 in FL
Residents 65 and older14.4%
33rd
U.S. 17.2% · FL 21.3%774th of 977 in FL
Per capita income$34,098
31st
U.S. $44,673 · FL $42,609625th of 977 in FL
Tech workers1.9%
31st
U.S. 3.8% · FL 3.1%591st of 973 in FL
Bachelor's degree or higher23.4%
30th
U.S. 35.7% · FL 34.1%637th of 975 in FL
Population density315/sq mi
26th
U.S. 95/sq mi · FL 418/sq mi687th of 977 in FL
Median earnings per worker$41,376
26th
U.S. $49,666 · FL $44,337595th of 961 in FL
Healthcare workers7.9%
26th
U.S. 9.7% · FL 9.5%665th of 973 in FL
Unemployment rate3.2%
19th
StrengthU.S. 5.2% · FL 4.8%715th of 973 in FL
Work from home7.3%
18th
U.S. 15.1% · FL 15.7%818th of 975 in FL
Income inequality (Gini)0.382
10th
StrengthU.S. 0.483 · FL 0.485864th of 968 in FL

Measure	32404	Bay	FL	U.S.	National percentile	Rank in FL
Veterans	15.3%	13.6%	7.4%	6.2%	98th	56th of 976
Broadband accessStrength	96.1%	92.8%	91.6%	91%	86th	150th of 969
Uninsured rateWeakness	13.5%	14.4%	11.5%	8.4%	85th	280th of 973
Government workers	18.2%	17.6%	11.7%	14.5%	77th	146th of 973
Population	42,514	186,393	22,416,077	334,922,499	71st	131st of 977
Housing vacancy	9.9%	27.3%	14.7%	10.1%	71st	581st of 969
Rent-burdened renters	55.7%	60%	60.1%	51.1%	69th	560th of 945
Residents under 18	22.7%	21.1%	19.5%	22%	56th	249th of 977
Self-employed workers	9.6%	13.4%	12.8%	10%	54th	706th of 973
Average commute	26.4 min	23.9 min	28 min	26.4 min	53rd	559th of 948
Diversity index	50.9	45	64.7	61.4	53rd	453rd of 977
Homeownership rate	69.2%	66.8%	67.6%	65.2%	51st	595th of 969
Median gross rent	$1,399	$1,484	$1,669	$1,413	50th	573rd of 902
Poverty rate	10.5%	11.9%	12.6%	12.5%	48th	540th of 970
Median household income	$74,708	$73,533	$74,568	$80,734	43rd	436th of 948
Median home value	$273,500	$310,500	$359,000	$332,700	38th	621st of 935
Median age	37.1	41	42.6	38.9	35th	800th of 977
Foreign-born residents	6%	8.6%	21.9%	14.1%	34th	732nd of 977
Residents 65 and older	14.4%	18.3%	21.3%	17.2%	33rd	774th of 977
Per capita income	$34,098	$40,782	$42,609	$44,673	31st	625th of 977
Tech workers	1.9%	2.6%	3.1%	3.8%	31st	591st of 973
Bachelor's degree or higher	23.4%	29.6%	34.1%	35.7%	30th	637th of 975
Population density	315/sq mi	246/sq mi	418/sq mi	95/sq mi	26th	687th of 977
Median earnings per worker	$41,376	$42,440	$44,337	$49,666	26th	595th of 961
Healthcare workers	7.9%	7.5%	9.5%	9.7%	26th	665th of 973
Unemployment rateStrength	3.2%	3.9%	4.8%	5.2%	19th	715th of 973
Work from home	7.3%	10.1%	15.7%	15.1%	18th	818th of 975
Income inequality (Gini)Strength	0.382	0.441	0.485	0.483	10th	864th 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

18–24

15%

25–34

15%

35–44

11%

45–54

15%

55–64

65–74

75+

Median age

37.1

Under 18

22.7%

65 and over

14.4%

Race and ethnicity

White68%
Black13%
Hispanic9%
Asian3%
Native American0.2%
Pacific Islander0.2%
Other0.4%
Multiracial6%

Diversity index

50.9

U.S. 61.4

Foreign-born

U.S. 14.1%

Born in state

45.8%

Language spoken at home (households)

English only

87%

Spanish

Other Indo-European

Asian / Pacific

Other

0.5%

Households

Households: 16,158
Average household size: 2.6
Family households: 68.1%
Married couples: 49.8%
Living alone: 24.6%
Veterans (of adults): 15.3%
Male / female: 51% / 49%

Income and poverty

Household income distribution

<$25k

10%

$25–50k

20%

$50–75k

21%

$75–100k

17%

$100–150k

20%

$150–200k

$200k+

Median household income

32404

$74,708

Bay Co.

$73,533

Florida

$74,568

United States

$80,734

Per capita income

$34,098

U.S. $44,673

Poverty rate

10.5%

U.S. 12.5%

Households earning $150K+

12.4%

U.S. 23%

Income inequality (Gini)

0.382

U.S. 0.483

Housing

Median home value

32404

$273,500

Bay Co.

$310,500

Florida

$359,000

United States

$332,700

Median gross rent

32404

$1,399

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

15%

Boat, RV, van

0.3%

Housing units: 17,934
Owner-occupied: 69.2%
Vacant: 9.9%
Median year built: 1993
Median rooms: 5.8
Renters paying 30%+ of income: 55.7%
Renters paying 50%+ of income: 25.2%
Home value to income: 3.7× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

77%

Carpooled

13%

Transit

0.2%

Walked

0.6%

Bicycle

0.7%

Worked from home

Other

Commute time (one way)

<10 min

10–19

28%

20–29

22%

30–44

27%

45–59

60+

Average commute

26.4 min

U.S. 26.4 min

Unemployment

3.2%

U.S. 5.2%

In labor force

64%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Sales

14%

Office and admin

12%

Construction and repair

11%

Management

10%

Healthcare

Transportation and moving

Education

Cleaning and personal care

Police and fire

Food service

Legal and social services

Business and finance

Production

Engineering and science

Computer and math

Arts, media and sports

Farming, fishing and forestry

0.0%

Industries

Retail

14%

Health care and social assistance

12%

Restaurants and hotels

Public administration

Construction

Education

Other services

Finance, insurance and real estate

Manufacturing

Admin, support and management

Professional and technical services

Transportation, warehousing and utilities

Wholesale

Arts and recreation

Information

Agriculture and mining

0.5%

Median earnings per worker

$41,376

U.S. $49,666

Self-employed

9.6%

U.S. 10%

Government workers

18.2%

U.S. 14.5%

Nonprofit workers

6.2%

U.S. 8.8%

Median earnings by type of work

Type of work	32404	U.S.
Management, business, science and arts	$52,473	$74,888
Service	$32,028	$26,804
Sales and office	$32,765	$40,476
Construction and maintenance	$45,061	$49,199
Production and transportation	$41,141	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

12%

High school

33%

Some college

20%

Associate's

12%

Bachelor's

14%

Graduate

High school graduate or higher: 88.3%
Bachelor's degree or higher: 23.4%
Graduate or professional degree: 9%
Households with broadband: 96.1%
Cable, fiber or DSL: 75.3%
No internet access: 2.7%
Without health insurance: 13.5%
Limited-English households: 1.3%

Geography

City (USPS): Panama City
State: Florida
County: Bay County
Center point: 30.1850° N, 85.5074° W
Land area: 135 sq mi
Water area: 19 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Panama City11% of zip
Callaway7% of zip
Parker1% of zip
Springfield1% of zip
Lynn Haven1% of zip

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

Zip codes near 32404

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
32401	Panama City, FL	8 mi	18,947	$52,523	$230,500
32417	Panama City, FL · PO box	9.3 mi	—	—	—
32444	Lynn Haven, FL	9.4 mi	21,459	$83,160	$331,000
32405	Panama City, FL	9.7 mi	29,984	$73,373	$279,900
32403	Panama City, FL	9.8 mi	447	$118,594	—
32402	Panama City, FL · PO box	12 mi	—	—	—
32406	Panama City, FL · PO box	12 mi	—	—	—
32411	Panama City, FL · PO box	12 mi	—	—	—
32412	Panama City, FL · PO box	12 mi	—	—	—
32466	Youngstown, FL	14 mi	5,916	$60,337	$179,600
32408	Panama City, FL	15 mi	18,832	$80,822	$382,300
32409	Panama City, FL	16 mi	11,113	$64,516	$275,700

Zip codes like 32404 elsewhere

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

Questions about 32404

What city is zip code 32404?

32404 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 32404 in?

32404 is in Bay County, Florida.

What is the population of 32404?

About 42,514 people live in 32404, according to the Census Bureau's American Community Survey.

What time zone is 32404 in?

32404 is in Central Time.

What is the median household income in 32404?

The median household income in 32404 is $74,708.

What zip codes are near 32404?

The closest zip codes to 32404 are 32401, 32417, 32444, 32405, 32403.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 32404, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.