Zip code 32408: Panama City, Florida

Q: What city is zip code 32408?

32408 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 32408 in?

32408 is in Bay County, Florida.

Q: What is the population of 32408?

About 18,832 people live in 32408, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 32408?

The median household income in 32408 is $80,822.

Q: What zip codes are near 32408?

The closest zip codes to 32408 are 32407, 32417, 32405, 32402, 32406.

Residential delivery areaBay CountyCentral Time

Population

18,832

Median household income

$81K

U.S. $81K

Median home value

$382K

U.S. $333K

Median rent

$1,584/mo

U.S. $1,413

Median age

47.8

U.S. 38.9

Land area

8.6 sq mi

2,198 people/sq mi

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

About 32408

32408 is a suburban zip code in Panama City, Florida (Bay County), covering 8.6 sq mi of land. About 18,832 people live here, or 2,198 per square mile. The median resident is 47.8 years old, compared with 38.9 nationally.

The median household earns $80,822 a year, close to the national median of $80,734. 9.7% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $382,300, or 4.7 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 63% of occupied homes are lived in by their owners, and renters pay a median of $1,584 a month.

36% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 21.3 minutes each way, and 13% of workers work from home. The most common jobs among working residents are in management; sales; and construction and repair. 18% of them are self-employed (U.S.: 10%).

How 32408 compares

Sorted from highest to lowest national percentile

Housing vacancy47.9%
99th
U.S. 10.1% · FL 14.7%36th of 969 in FL
Veterans15.2%
98th
U.S. 6.2% · FL 7.4%57th of 976 in FL
Self-employed workers18.4%
96th
U.S. 10% · FL 12.8%160th of 973 in FL
Median age47.8
92nd
U.S. 38.9 · FL 42.6320th of 977 in FL
Residents 65 and older23.3%
88th
U.S. 17.2% · FL 21.3%371st of 977 in FL
Uninsured rate13.4%
84th
WeaknessU.S. 8.4% · FL 11.5%289th of 973 in FL
Government workers17.5%
74th
U.S. 14.5% · FL 11.7%161st of 973 in FL
Per capita income$50,125
72nd
U.S. $44,673 · FL $42,609246th of 977 in FL
Rent-burdened renters54.7%
65th
U.S. 51.1% · FL 60.1%598th of 945 in FL
Median gross rent$1,584
60th
U.S. $1,413 · FL $1,669465th of 902 in FL
Population density2,198/sq mi
59th
U.S. 95/sq mi · FL 418/sq mi357th of 977 in FL
Median home value$382,300
59th
U.S. $332,700 · FL $359,000347th of 935 in FL
Broadband access93.2%
59th
U.S. 91% · FL 91.6%373rd of 969 in FL
Foreign-born residents12.7%
59th
U.S. 14.1% · FL 21.9%442nd of 977 in FL
Bachelor's degree or higher35.8%
58th
U.S. 35.7% · FL 34.1%361st of 975 in FL
Work from home13.3%
53rd
U.S. 15.1% · FL 15.7%512th of 975 in FL
Tech workers3%
52nd
U.S. 3.8% · FL 3.1%365th of 973 in FL
Median household income$80,822
51st
U.S. $80,734 · FL $74,568342nd of 948 in FL
Income inequality (Gini)0.431
46th
U.S. 0.483 · FL 0.485598th of 968 in FL
Poverty rate9.7%
43rd
U.S. 12.5% · FL 12.6%594th of 970 in FL
Median earnings per worker$45,925
43rd
U.S. $49,666 · FL $44,337396th of 961 in FL
Homeownership rate63%
38th
U.S. 65.2% · FL 67.6%694th of 969 in FL
Diversity index35.9
31st
U.S. 61.4 · FL 64.7696th of 977 in FL
Population18,832
29th
U.S. 334,922,499 · FL 22,416,077521st of 977 in FL
Average commute21.3 min
19th
StrengthU.S. 26.4 min · FL 28 min855th of 948 in FL
Unemployment rate2.8%
14th
StrengthU.S. 5.2% · FL 4.8%776th of 973 in FL
Healthcare workers6.7%
13th
U.S. 9.7% · FL 9.5%788th of 973 in FL
Residents under 1815.8%
10th
U.S. 22% · FL 19.5%670th of 977 in FL

Measure	32408	Bay	FL	U.S.	National percentile	Rank in FL
Housing vacancy	47.9%	27.3%	14.7%	10.1%	99th	36th of 969
Veterans	15.2%	13.6%	7.4%	6.2%	98th	57th of 976
Self-employed workers	18.4%	13.4%	12.8%	10%	96th	160th of 973
Median age	47.8	41	42.6	38.9	92nd	320th of 977
Residents 65 and older	23.3%	18.3%	21.3%	17.2%	88th	371st of 977
Uninsured rateWeakness	13.4%	14.4%	11.5%	8.4%	84th	289th of 973
Government workers	17.5%	17.6%	11.7%	14.5%	74th	161st of 973
Per capita income	$50,125	$40,782	$42,609	$44,673	72nd	246th of 977
Rent-burdened renters	54.7%	60%	60.1%	51.1%	65th	598th of 945
Median gross rent	$1,584	$1,484	$1,669	$1,413	60th	465th of 902
Population density	2,198/sq mi	246/sq mi	418/sq mi	95/sq mi	59th	357th of 977
Median home value	$382,300	$310,500	$359,000	$332,700	59th	347th of 935
Broadband access	93.2%	92.8%	91.6%	91%	59th	373rd of 969
Foreign-born residents	12.7%	8.6%	21.9%	14.1%	59th	442nd of 977
Bachelor's degree or higher	35.8%	29.6%	34.1%	35.7%	58th	361st of 975
Work from home	13.3%	10.1%	15.7%	15.1%	53rd	512th of 975
Tech workers	3%	2.6%	3.1%	3.8%	52nd	365th of 973
Median household income	$80,822	$73,533	$74,568	$80,734	51st	342nd of 948
Income inequality (Gini)	0.431	0.441	0.485	0.483	46th	598th of 968
Poverty rate	9.7%	11.9%	12.6%	12.5%	43rd	594th of 970
Median earnings per worker	$45,925	$42,440	$44,337	$49,666	43rd	396th of 961
Homeownership rate	63%	66.8%	67.6%	65.2%	38th	694th of 969
Diversity index	35.9	45	64.7	61.4	31st	696th of 977
Population	18,832	186,393	22,416,077	334,922,499	29th	521st of 977
Average commuteStrength	21.3 min	23.9 min	28 min	26.4 min	19th	855th of 948
Unemployment rateStrength	2.8%	3.9%	4.8%	5.2%	14th	776th of 973
Healthcare workers	6.7%	7.5%	9.5%	9.7%	13th	788th of 973
Residents under 18	15.8%	21.1%	19.5%	22%	10th	670th of 977

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

11%

5–17

18–24

14%

25–34

12%

35–44

14%

45–54

17%

55–64

14%

65–74

10%

75+

Median age

47.8

Under 18

15.8%

65 and over

23.3%

Race and ethnicity

White79%
Black4%
Hispanic7%
Asian2%
Native American0.2%
Pacific Islander0%
Other1%
Multiracial7%

Diversity index

35.9

U.S. 61.4

Foreign-born

12.7%

U.S. 14.1%

Born in state

24.6%

Language spoken at home (households)

English only

82%

Spanish

Other Indo-European

Asian / Pacific

Other

0.5%

Households

Households: 9,135
Average household size: 2.1
Family households: 59.5%
Married couples: 47%
Living alone: 35%
Veterans (of adults): 15.2%
Male / female: 50% / 50%

Income and poverty

Household income distribution

<$25k

11%

$25–50k

16%

$50–75k

21%

$75–100k

15%

$100–150k

19%

$150–200k

$200k+

11%

Median household income

32408

$80,822

Bay Co.

$73,533

Florida

$74,568

United States

$80,734

Per capita income

$50,125

U.S. $44,673

Poverty rate

9.7%

U.S. 12.5%

Households earning $150K+

18.8%

U.S. 23%

Income inequality (Gini)

0.431

U.S. 0.483

Housing

Median home value

32408

$382,300

Bay Co.

$310,500

Florida

$359,000

United States

$332,700

Median gross rent

32408

$1,584

Bay Co.

$1,484

Florida

$1,669

United States

$1,413

Types of housing

Single-family

40%

2–4 units

5–19 units

20+ units

37%

Mobile home

Boat, RV, van

0.2%

Housing units: 17,531
Owner-occupied: 63%
Vacant: 47.9%
Median year built: 1989
Median rooms: 4.2
Renters paying 30%+ of income: 54.7%
Renters paying 50%+ of income: 24.8%
Home value to income: 4.7× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

75%

Carpooled

Transit

0.8%

Walked

0.6%

Bicycle

0.5%

Worked from home

13%

Other

0.7%

Commute time (one way)

<10 min

21%

10–19

38%

20–29

16%

30–44

18%

45–59

60+

Average commute

21.3 min

U.S. 26.4 min

Unemployment

2.8%

U.S. 5.2%

In labor force

63.6%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

14%

Sales

12%

Construction and repair

11%

Office and admin

Food service

Business and finance

Cleaning and personal care

Healthcare

Transportation and moving

Engineering and science

Education

Police and fire

Computer and math

Production

Legal and social services

Arts, media and sports

0.8%

Farming, fishing and forestry

Industries

Restaurants and hotels

11%

Finance, insurance and real estate

11%

Retail

11%

Health care and social assistance

10%

Construction

Public administration

Admin, support and management

Professional and technical services

Education

Transportation, warehousing and utilities

Manufacturing

Other services

Arts and recreation

Wholesale

0.8%

Information

0.8%

Agriculture and mining

0.2%

Median earnings per worker

$45,925

U.S. $49,666

Self-employed

18.4%

U.S. 10%

Government workers

17.5%

U.S. 14.5%

Nonprofit workers

U.S. 8.8%

Median earnings by type of work

Type of work	32408	U.S.
Management, business, science and arts	$71,446	$74,888
Service	$21,119	$26,804
Sales and office	$43,472	$40,476
Construction and maintenance	$38,214	$49,199
Production and transportation	$38,362	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

25%

Some college

21%

Associate's

14%

Bachelor's

23%

Graduate

12%

High school graduate or higher: 95%
Bachelor's degree or higher: 35.8%
Graduate or professional degree: 12.3%
Households with broadband: 93.2%
Cable, fiber or DSL: 78.7%
No internet access: 3.3%
Without health insurance: 13.4%
Limited-English households: 3.1%

Geography

City (USPS): Panama City
State: Florida
County: Bay County
Center point: 30.1568° N, 85.7547° W
Land area: 8.6 sq mi
Water area: 4.3 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Upper Grand Lagoon (unincorporated)69% of zip
Lower Grand Lagoon (unincorporated)25% of zip
Panama City Beach5% of zip

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

Zip codes near 32408

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
32407	Panama City Beach, FL	3.6 mi	16,404	$80,831	$404,200
32417	Panama City, FL · PO box	5.7 mi	—	—	—
32405	Panama City, FL	5.9 mi	29,984	$73,373	$279,900
32402	Panama City, FL · PO box	6.5 mi	—	—	—
32406	Panama City, FL · PO box	6.5 mi	—	—	—
32411	Panama City, FL · PO box	6.5 mi	—	—	—
32412	Panama City, FL · PO box	6.5 mi	—	—	—
32401	Panama City, FL	7 mi	18,947	$52,523	$230,500
32444	Lynn Haven, FL	8.4 mi	21,459	$83,160	$331,000
32413	Panama City Beach, FL	13 mi	15,453	$80,039	$441,300
32409	Panama City, FL	13 mi	11,113	$64,516	$275,700
32403	Panama City, FL	14 mi	447	$118,594	—

Zip codes like 32408 elsewhere

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

Questions about 32408

What city is zip code 32408?

32408 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 32408 in?

32408 is in Bay County, Florida.

What is the population of 32408?

About 18,832 people live in 32408, according to the Census Bureau's American Community Survey.

What time zone is 32408 in?

32408 is in Central Time.

What is the median household income in 32408?

The median household income in 32408 is $80,822.

What zip codes are near 32408?

The closest zip codes to 32408 are 32407, 32417, 32405, 32402, 32406.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 32408, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.