Zip code 32405: Panama City, Florida

Q: What city is zip code 32405?

32405 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 32405 in?

32405 is in Bay County, Florida.

Q: What is the population of 32405?

About 29,984 people live in 32405, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 32405?

The median household income in 32405 is $73,373.

Q: What zip codes are near 32405?

The closest zip codes to 32405 are 32402, 32406, 32411, 32412, 32417.

Residential delivery areaBay CountyCentral Time

Population

29,984

Median household income

$73K

U.S. $81K

Median home value

$280K

U.S. $333K

Median rent

$1,467/mo

U.S. $1,413

Median age

36.2

U.S. 38.9

Land area

19 sq mi

1,596 people/sq mi

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

About 32405

32405 is a suburban zip code in Panama City, Florida (Bay County), covering 19 sq mi of land. About 29,984 people live here, or 1,596 per square mile. The median resident is 36.2 years old, compared with 38.9 nationally.

The median household earns $73,373 a year, close to the national median of $80,734. 16.7% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $279,900, or 3.8 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 $1,467 a month.

31% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 22.1 minutes each way, and 10% of workers work from home. The most common jobs among working residents are in office and administrative support; healthcare; and management.

How 32405 compares

Sorted from highest to lowest national percentile

Veterans10.6%
91st
U.S. 6.2% · FL 7.4%245th of 976 in FL
Uninsured rate13.4%
84th
WeaknessU.S. 8.4% · FL 11.5%288th of 973 in FL
Rent-burdened renters60.2%
83rd
WeaknessU.S. 51.1% · FL 60.1%412th of 945 in FL
Healthcare workers11.7%
79th
U.S. 9.7% · FL 9.5%186th of 973 in FL
Poverty rate16.7%
75th
U.S. 12.5% · FL 12.6%232nd of 970 in FL
Tech workers4.4%
73rd
U.S. 3.8% · FL 3.1%169th of 973 in FL
Self-employed workers11%
69th
U.S. 10% · FL 12.8%590th of 973 in FL
Housing vacancy9.3%
68th
U.S. 10.1% · FL 14.7%613th of 969 in FL
Government workers15.3%
61st
U.S. 14.5% · FL 11.7%224th of 973 in FL
Broadband access93.2%
59th
U.S. 91% · FL 91.6%372nd of 969 in FL
Residents 65 and older17.4%
56th
U.S. 17.2% · FL 21.3%615th of 977 in FL
Median gross rent$1,467
54th
U.S. $1,413 · FL $1,669531st of 902 in FL
Diversity index51.5
54th
U.S. 61.4 · FL 64.7444th of 977 in FL
Population density1,596/sq mi
52nd
U.S. 95/sq mi · FL 418/sq mi443rd of 977 in FL
Population29,984
50th
U.S. 334,922,499 · FL 22,416,077303rd of 977 in FL
Residents under 1822.1%
50th
U.S. 22% · FL 19.5%291st of 977 in FL
Per capita income$39,376
48th
U.S. $44,673 · FL $42,609453rd of 977 in FL
Bachelor's degree or higher30.8%
48th
U.S. 35.7% · FL 34.1%456th of 975 in FL
Foreign-born residents8.1%
43rd
U.S. 14.1% · FL 21.9%639th of 977 in FL
Income inequality (Gini)0.426
42nd
U.S. 0.483 · FL 0.485623rd of 968 in FL
Median household income$73,373
41st
U.S. $80,734 · FL $74,568468th of 948 in FL
Median home value$279,900
40th
U.S. $332,700 · FL $359,000609th of 935 in FL
Median earnings per worker$43,915
36th
U.S. $49,666 · FL $44,337470th of 961 in FL
Work from home9.7%
32nd
U.S. 15.1% · FL 15.7%721st of 975 in FL
Homeownership rate59.5%
31st
U.S. 65.2% · FL 67.6%740th of 969 in FL
Median age36.2
29th
U.S. 38.9 · FL 42.6834th of 977 in FL
Average commute22.1 min
24th
U.S. 26.4 min · FL 28 min819th of 948 in FL
Unemployment rate2.6%
11th
StrengthU.S. 5.2% · FL 4.8%810th of 973 in FL

Measure	32405	Bay	FL	U.S.	National percentile	Rank in FL
Veterans	10.6%	13.6%	7.4%	6.2%	91st	245th of 976
Uninsured rateWeakness	13.4%	14.4%	11.5%	8.4%	84th	288th of 973
Rent-burdened rentersWeakness	60.2%	60%	60.1%	51.1%	83rd	412th of 945
Healthcare workers	11.7%	7.5%	9.5%	9.7%	79th	186th of 973
Poverty rate	16.7%	11.9%	12.6%	12.5%	75th	232nd of 970
Tech workers	4.4%	2.6%	3.1%	3.8%	73rd	169th of 973
Self-employed workers	11%	13.4%	12.8%	10%	69th	590th of 973
Housing vacancy	9.3%	27.3%	14.7%	10.1%	68th	613th of 969
Government workers	15.3%	17.6%	11.7%	14.5%	61st	224th of 973
Broadband access	93.2%	92.8%	91.6%	91%	59th	372nd of 969
Residents 65 and older	17.4%	18.3%	21.3%	17.2%	56th	615th of 977
Median gross rent	$1,467	$1,484	$1,669	$1,413	54th	531st of 902
Diversity index	51.5	45	64.7	61.4	54th	444th of 977
Population density	1,596/sq mi	246/sq mi	418/sq mi	95/sq mi	52nd	443rd of 977
Population	29,984	186,393	22,416,077	334,922,499	50th	303rd of 977
Residents under 18	22.1%	21.1%	19.5%	22%	50th	291st of 977
Per capita income	$39,376	$40,782	$42,609	$44,673	48th	453rd of 977
Bachelor's degree or higher	30.8%	29.6%	34.1%	35.7%	48th	456th of 975
Foreign-born residents	8.1%	8.6%	21.9%	14.1%	43rd	639th of 977
Income inequality (Gini)	0.426	0.441	0.485	0.483	42nd	623rd of 968
Median household income	$73,373	$73,533	$74,568	$80,734	41st	468th of 948
Median home value	$279,900	$310,500	$359,000	$332,700	40th	609th of 935
Median earnings per worker	$43,915	$42,440	$44,337	$49,666	36th	470th of 961
Work from home	9.7%	10.1%	15.7%	15.1%	32nd	721st of 975
Homeownership rate	59.5%	66.8%	67.6%	65.2%	31st	740th of 969
Median age	36.2	41	42.6	38.9	29th	834th of 977
Average commute	22.1 min	23.9 min	28 min	26.4 min	24th	819th of 948
Unemployment rateStrength	2.6%	3.9%	4.8%	5.2%	11th	810th 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

16%

5–17

18–24

17%

25–34

12%

35–44

12%

45–54

10%

55–64

10%

65–74

75+

Median age

36.2

Under 18

22.1%

65 and over

17.4%

Race and ethnicity

White67%
Black16%
Hispanic8%
Asian2%
Native American0.2%
Pacific Islander0%
Other1%
Multiracial6%

Diversity index

51.5

U.S. 61.4

Foreign-born

8.1%

U.S. 14.1%

Born in state

45.2%

Language spoken at home (households)

English only

87%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 12,433
Average household size: 2.4
Family households: 62.5%
Married couples: 43.2%
Living alone: 28.4%
Veterans (of adults): 10.6%
Male / female: 47% / 53%

Income and poverty

Household income distribution

<$25k

14%

$25–50k

18%

$50–75k

20%

$75–100k

15%

$100–150k

17%

$150–200k

$200k+

Median household income

32405

$73,373

Bay Co.

$73,533

Florida

$74,568

United States

$80,734

Per capita income

$39,376

U.S. $44,673

Poverty rate

16.7%

U.S. 12.5%

Households earning $150K+

16.4%

U.S. 23%

Income inequality (Gini)

0.426

U.S. 0.483

Housing

Median home value

32405

$279,900

Bay Co.

$310,500

Florida

$359,000

United States

$332,700

Median gross rent

32405

$1,467

Bay Co.

$1,484

Florida

$1,669

United States

$1,413

Types of housing

Single-family

67%

2–4 units

5–19 units

13%

20+ units

Mobile home

Boat, RV, van

Housing units: 13,711
Owner-occupied: 59.5%
Vacant: 9.3%
Median year built: 1987
Median rooms: 5.5
Renters paying 30%+ of income: 60.2%
Renters paying 50%+ of income: 21.3%
Home value to income: 3.8× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

75%

Carpooled

13%

Transit

0.2%

Walked

0.6%

Bicycle

0.6%

Worked from home

10%

Other

0.8%

Commute time (one way)

<10 min

15%

10–19

39%

20–29

21%

30–44

17%

45–59

60+

Average commute

22.1 min

U.S. 26.4 min

Unemployment

2.6%

U.S. 5.2%

In labor force

66.4%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Office and admin

14%

Healthcare

12%

Management

11%

Sales

Transportation and moving

Construction and repair

Cleaning and personal care

Food service

Computer and math

Education

Business and finance

Engineering and science

Production

Police and fire

Legal and social services

Arts, media and sports

Farming, fishing and forestry

0.1%

Industries

Retail

15%

Health care and social assistance

13%

Restaurants and hotels

10%

Professional and technical services

Construction

Finance, insurance and real estate

Public administration

Other services

Education

Manufacturing

Admin, support and management

Transportation, warehousing and utilities

Information

Wholesale

Arts and recreation

Agriculture and mining

0.0%

Median earnings per worker

$43,915

U.S. $49,666

Self-employed

11%

U.S. 10%

Government workers

15.3%

U.S. 14.5%

Nonprofit workers

6.7%

U.S. 8.8%

Median earnings by type of work

Type of work	32405	U.S.
Management, business, science and arts	$61,258	$74,888
Service	$27,220	$26,804
Sales and office	$37,895	$40,476
Construction and maintenance	$42,182	$49,199
Production and transportation	$28,841	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

25%

Some college

24%

Associate's

13%

Bachelor's

18%

Graduate

12%

High school graduate or higher: 92.8%
Bachelor's degree or higher: 30.8%
Graduate or professional degree: 12.5%
Households with broadband: 93.2%
Cable, fiber or DSL: 80.1%
No internet access: 3.8%
Without health insurance: 13.4%
Limited-English households: 2.4%

Geography

City (USPS): Panama City
State: Florida
County: Bay County
Center point: 30.1994° N, 85.6686° W
Land area: 19 sq mi
Water area: 4.5 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Panama City48% of zip
Cedar Grove (unincorporated)11% of zip
Pretty Bayou (unincorporated)9% of zip
Lynn Haven8% of zip
Springfield5% of zip

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

Zip codes near 32405

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
32402	Panama City, FL · PO box	2.8 mi	—	—	—
32406	Panama City, FL · PO box	2.8 mi	—	—	—
32411	Panama City, FL · PO box	2.8 mi	—	—	—
32412	Panama City, FL · PO box	2.8 mi	—	—	—
32417	Panama City, FL · PO box	2.8 mi	—	—	—
32444	Lynn Haven, FL	2.9 mi	21,459	$83,160	$331,000
32401	Panama City, FL	3.4 mi	18,947	$52,523	$230,500
32408	Panama City, FL	5.9 mi	18,832	$80,822	$382,300
32407	Panama City Beach, FL	7.3 mi	16,404	$80,831	$404,200
32404	Panama City, FL	9.7 mi	42,514	$74,708	$273,500
32409	Panama City, FL	10 mi	11,113	$64,516	$275,700
32403	Panama City, FL	13 mi	447	$118,594	—

Zip codes like 32405 elsewhere

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

Questions about 32405

What city is zip code 32405?

32405 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 32405 in?

32405 is in Bay County, Florida.

What is the population of 32405?

About 29,984 people live in 32405, according to the Census Bureau's American Community Survey.

What time zone is 32405 in?

32405 is in Central Time.

What is the median household income in 32405?

The median household income in 32405 is $73,373.

What zip codes are near 32405?

The closest zip codes to 32405 are 32402, 32406, 32411, 32412, 32417.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 32405, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.