Zip code 32407: Panama City Beach, Florida

Q: What city is zip code 32407?

32407 is assigned to Panama City Beach, Florida. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 32407 in?

32407 is in Bay County, Florida.

Q: What is the population of 32407?

About 16,404 people live in 32407, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 32407?

The median household income in 32407 is $80,831.

Q: What zip codes are near 32407?

The closest zip codes to 32407 are 32408, 32402, 32406, 32411, 32412.

Residential delivery areaBay CountyCentral Time

Population

16,404

Median household income

$81K

U.S. $81K

Median home value

$404K

U.S. $333K

Median rent

$1,840/mo

U.S. $1,413

Median age

38.2

U.S. 38.9

Land area

15 sq mi

1,100 people/sq mi

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

About 32407

32407 is a suburban zip code in Panama City Beach, Florida (Bay County), covering 15 sq mi of land. About 16,404 people live here, or 1,100 per square mile. The median resident is 38.2 years old, compared with 38.9 nationally.

The median household earns $80,831 a year, close to the national median of $80,734. 6.3% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $404,200, or 5.0 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 56% of occupied homes are lived in by their owners, and renters pay a median of $1,840 a month.

40% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 19.8 minutes each way, and 12% of workers work from home. The most common jobs among working residents are in sales; office and administrative support; and food service.

How 32407 compares

Sorted from highest to lowest national percentile

Housing vacancy42.9%
99th
U.S. 10.1% · FL 14.7%50th of 969 in FL
Veterans12.2%
95th
U.S. 6.2% · FL 7.4%145th of 976 in FL
Uninsured rate16.6%
91st
WeaknessU.S. 8.4% · FL 11.5%156th of 973 in FL
Broadband access96.1%
86th
StrengthU.S. 91% · FL 91.6%151st of 969 in FL
Self-employed workers12.2%
78th
U.S. 10% · FL 12.8%490th of 973 in FL
Median gross rent$1,840
76th
U.S. $1,413 · FL $1,669261st of 902 in FL
Rent-burdened renters55.8%
69th
U.S. 51.1% · FL 60.1%557th of 945 in FL
Per capita income$47,494
67th
U.S. $44,673 · FL $42,609289th of 977 in FL
Bachelor's degree or higher40%
65th
U.S. 35.7% · FL 34.1%277th of 975 in FL
Median home value$404,200
63rd
U.S. $332,700 · FL $359,000296th of 935 in FL
Foreign-born residents12.9%
59th
U.S. 14.1% · FL 21.9%434th of 977 in FL
Tech workers3.1%
54th
U.S. 3.8% · FL 3.1%342nd of 973 in FL
Median household income$80,831
51st
U.S. $80,734 · FL $74,568341st of 948 in FL
Government workers13.8%
51st
U.S. 14.5% · FL 11.7%287th of 973 in FL
Income inequality (Gini)0.433
48th
U.S. 0.483 · FL 0.485579th of 968 in FL
Work from home12.2%
47th
U.S. 15.1% · FL 15.7%566th of 975 in FL
Diversity index46.4
46th
U.S. 61.4 · FL 64.7518th of 977 in FL
Population density1,100/sq mi
45th
U.S. 95/sq mi · FL 418/sq mi518th of 977 in FL
Median age38.2
44th
U.S. 38.9 · FL 42.6745th of 977 in FL
Residents 65 and older15.7%
43rd
U.S. 17.2% · FL 21.3%697th of 977 in FL
Residents under 1821.4%
43rd
U.S. 22% · FL 19.5%324th of 977 in FL
Unemployment rate4.4%
41st
U.S. 5.2% · FL 4.8%467th of 973 in FL
Homeownership rate56.4%
26th
U.S. 65.2% · FL 67.6%785th of 969 in FL
Median earnings per worker$41,397
26th
U.S. $49,666 · FL $44,337592nd of 961 in FL
Population16,404
25th
U.S. 334,922,499 · FL 22,416,077577th of 977 in FL
Healthcare workers7.7%
23rd
U.S. 9.7% · FL 9.5%685th of 973 in FL
Poverty rate6.3%
21st
U.S. 12.5% · FL 12.6%825th of 970 in FL
Average commute19.8 min
12th
StrengthU.S. 26.4 min · FL 28 min891st of 948 in FL

Measure	32407	Bay	FL	U.S.	National percentile	Rank in FL
Housing vacancy	42.9%	27.3%	14.7%	10.1%	99th	50th of 969
Veterans	12.2%	13.6%	7.4%	6.2%	95th	145th of 976
Uninsured rateWeakness	16.6%	14.4%	11.5%	8.4%	91st	156th of 973
Broadband accessStrength	96.1%	92.8%	91.6%	91%	86th	151st of 969
Self-employed workers	12.2%	13.4%	12.8%	10%	78th	490th of 973
Median gross rent	$1,840	$1,484	$1,669	$1,413	76th	261st of 902
Rent-burdened renters	55.8%	60%	60.1%	51.1%	69th	557th of 945
Per capita income	$47,494	$40,782	$42,609	$44,673	67th	289th of 977
Bachelor's degree or higher	40%	29.6%	34.1%	35.7%	65th	277th of 975
Median home value	$404,200	$310,500	$359,000	$332,700	63rd	296th of 935
Foreign-born residents	12.9%	8.6%	21.9%	14.1%	59th	434th of 977
Tech workers	3.1%	2.6%	3.1%	3.8%	54th	342nd of 973
Median household income	$80,831	$73,533	$74,568	$80,734	51st	341st of 948
Government workers	13.8%	17.6%	11.7%	14.5%	51st	287th of 973
Income inequality (Gini)	0.433	0.441	0.485	0.483	48th	579th of 968
Work from home	12.2%	10.1%	15.7%	15.1%	47th	566th of 975
Diversity index	46.4	45	64.7	61.4	46th	518th of 977
Population density	1,100/sq mi	246/sq mi	418/sq mi	95/sq mi	45th	518th of 977
Median age	38.2	41	42.6	38.9	44th	745th of 977
Residents 65 and older	15.7%	18.3%	21.3%	17.2%	43rd	697th of 977
Residents under 18	21.4%	21.1%	19.5%	22%	43rd	324th of 977
Unemployment rate	4.4%	3.9%	4.8%	5.2%	41st	467th of 973
Homeownership rate	56.4%	66.8%	67.6%	65.2%	26th	785th of 969
Median earnings per worker	$41,397	$42,440	$44,337	$49,666	26th	592nd of 961
Population	16,404	186,393	22,416,077	334,922,499	25th	577th of 977
Healthcare workers	7.7%	7.5%	9.5%	9.7%	23rd	685th of 973
Poverty rate	6.3%	11.9%	12.6%	12.5%	21st	825th of 970
Average commuteStrength	19.8 min	23.9 min	28 min	26.4 min	12th	891st of 948

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

14%

35–44

11%

45–54

15%

55–64

65–74

75+

Median age

38.2

Under 18

21.4%

65 and over

15.7%

Race and ethnicity

White71%
Black7%
Hispanic12%
Asian2%
Native American0.1%
Pacific Islander0%
Other0.5%
Multiracial6%

Diversity index

46.4

U.S. 61.4

Foreign-born

12.9%

U.S. 14.1%

Born in state

24.1%

Language spoken at home (households)

English only

86%

Spanish

Other Indo-European

0.7%

Asian / Pacific

Other

Households

Households: 7,009
Average household size: 2.3
Family households: 68.4%
Married couples: 50.2%
Living alone: 25.9%
Veterans (of adults): 12.2%
Male / female: 52% / 48%

Income and poverty

Household income distribution

<$25k

11%

$25–50k

16%

$50–75k

17%

$75–100k

13%

$100–150k

18%

$150–200k

10%

$200k+

14%

Median household income

32407

$80,831

Bay Co.

$73,533

Florida

$74,568

United States

$80,734

Per capita income

$47,494

U.S. $44,673

Poverty rate

6.3%

U.S. 12.5%

Households earning $150K+

24.8%

U.S. 23%

Income inequality (Gini)

0.433

U.S. 0.483

Housing

Median home value

32407

$404,200

Bay Co.

$310,500

Florida

$359,000

United States

$332,700

Median gross rent

32407

$1,840

Bay Co.

$1,484

Florida

$1,669

United States

$1,413

Types of housing

Single-family

36%

2–4 units

5–19 units

13%

20+ units

45%

Mobile home

Boat, RV, van

Housing units: 12,275
Owner-occupied: 56.4%
Vacant: 42.9%
Median year built: 2002
Median rooms: 4.1
Renters paying 30%+ of income: 55.8%
Renters paying 50%+ of income: 32%
Home value to income: 5.0× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

73%

Carpooled

Transit

0.1%

Walked

Bicycle

0.1%

Worked from home

12%

Other

Commute time (one way)

<10 min

14%

10–19

49%

20–29

18%

30–44

11%

45–59

60+

Average commute

19.8 min

U.S. 26.4 min

Unemployment

4.4%

U.S. 5.2%

In labor force

71.1%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Sales

19%

Office and admin

11%

Food service

10%

Management

10%

Business and finance

Healthcare

Cleaning and personal care

Construction and repair

Engineering and science

Transportation and moving

Police and fire

Computer and math

Education

Production

Legal and social services

Arts, media and sports

0.7%

Farming, fishing and forestry

Industries

Retail

20%

Restaurants and hotels

16%

Health care and social assistance

10%

Public administration

10%

Admin, support and management

Finance, insurance and real estate

Professional and technical services

Other services

Manufacturing

Education

Construction

Transportation, warehousing and utilities

Wholesale

Information

Arts and recreation

Agriculture and mining

Median earnings per worker

$41,397

U.S. $49,666

Self-employed

12.2%

U.S. 10%

Government workers

13.8%

U.S. 14.5%

Nonprofit workers

6.8%

U.S. 8.8%

Median earnings by type of work

Type of work	32407	U.S.
Management, business, science and arts	$85,915	$74,888
Service	$25,531	$26,804
Sales and office	$30,116	$40,476
Construction and maintenance	$32,341	$49,199
Production and transportation	$31,351	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

18%

Some college

26%

Associate's

11%

Bachelor's

24%

Graduate

16%

High school graduate or higher: 95.4%
Bachelor's degree or higher: 40%
Graduate or professional degree: 15.7%
Households with broadband: 96.1%
Cable, fiber or DSL: 82.5%
No internet access: 1.8%
Without health insurance: 16.6%
Limited-English households: 1.6%

Geography

City (USPS): Panama City Beach
State: Florida
County: Bay County
Center point: 30.1983° N, 85.7907° W
Land area: 15 sq mi
Water area: 3.4 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Panama City Beach34% of zip
Upper Grand Lagoon (unincorporated)15% of zip

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

Zip codes near 32407

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
32408	Panama City, FL	3.6 mi	18,832	$80,822	$382,300
32402	Panama City, FL · PO box	6.4 mi	—	—	—
32406	Panama City, FL · PO box	6.4 mi	—	—	—
32411	Panama City, FL · PO box	6.4 mi	—	—	—
32412	Panama City, FL · PO box	6.4 mi	—	—	—
32405	Panama City, FL	7.3 mi	29,984	$73,373	$279,900
32417	Panama City, FL · PO box	8.3 mi	—	—	—
32444	Lynn Haven, FL	8.8 mi	21,459	$83,160	$331,000
32413	Panama City Beach, FL	9.4 mi	15,453	$80,039	$441,300
32401	Panama City, FL	9.5 mi	18,947	$52,523	$230,500
32409	Panama City, FL	11 mi	11,113	$64,516	$275,700
32404	Panama City, FL	17 mi	42,514	$74,708	$273,500

Zip codes like 32407 elsewhere

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

Questions about 32407

What city is zip code 32407?

32407 is assigned to Panama City Beach, Florida. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 32407 in?

32407 is in Bay County, Florida.

What is the population of 32407?

About 16,404 people live in 32407, according to the Census Bureau's American Community Survey.

What time zone is 32407 in?

32407 is in Central Time.

What is the median household income in 32407?

The median household income in 32407 is $80,831.

What zip codes are near 32407?

The closest zip codes to 32407 are 32408, 32402, 32406, 32411, 32412.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 32407, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.