Zip code 32409: Panama City, Florida

Q: What city is zip code 32409?

32409 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 32409 in?

32409 is in Bay County, Florida.

Q: What is the population of 32409?

About 11,113 people live in 32409, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 32409?

The median household income in 32409 is $64,516.

Q: What zip codes are near 32409?

The closest zip codes to 32409 are 32402, 32406, 32411, 32412, 32444.

Residential delivery areaBay CountyCentral Time

Population

11,113

Median household income

$65K

U.S. $81K

Median home value

$276K

U.S. $333K

Median rent

$1,409/mo

U.S. $1,413

Median age

43.8

U.S. 38.9

Land area

127 sq mi

88 people/sq mi

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

About 32409

32409 is a small-town zip code in Panama City, Florida (Bay County), covering 127 sq mi of land. About 11,113 people live here, or 88 per square mile. The median resident is 43.8 years old, compared with 38.9 nationally.

The median household earns $64,516 a year, 20% below the national median of $80,734. 15% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $275,700, or 4.3 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 92% of occupied homes are lived in by their owners, and renters pay a median of $1,409 a month.

28% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 30 minutes each way, and 16% of workers work from home. The most common jobs among working residents are in sales, education and management. 25% of them are self-employed (U.S.: 10%).

How 32409 compares

Sorted from highest to lowest national percentile

Rent-burdened renters76.5%
99th
WeaknessU.S. 51.1% · FL 60.1%47th of 945 in FL
Self-employed workers24.9%
99th
U.S. 10% · FL 12.8%44th of 973 in FL
Homeownership rate92.2%
98th
StrengthU.S. 65.2% · FL 67.6%64th of 969 in FL
Veterans14.3%
97th
U.S. 6.2% · FL 7.4%78th of 976 in FL
Government workers24%
93rd
U.S. 14.5% · FL 11.7%80th of 973 in FL
Uninsured rate12.9%
83rd
WeaknessU.S. 8.4% · FL 11.5%315th of 973 in FL
Median age43.8
81st
U.S. 38.9 · FL 42.6452nd of 977 in FL
Average commute30 min
74th
U.S. 26.4 min · FL 28 min308th of 948 in FL
Residents under 1824.5%
71st
U.S. 22% · FL 19.5%151st of 977 in FL
Poverty rate15%
69th
U.S. 12.5% · FL 12.6%299th of 970 in FL
Housing vacancy9%
66th
U.S. 10.1% · FL 14.7%624th of 969 in FL
Work from home16%
65th
U.S. 15.1% · FL 15.7%384th of 975 in FL
Residents 65 and older18.7%
65th
U.S. 17.2% · FL 21.3%561st of 977 in FL
Unemployment rate5.5%
61st
U.S. 5.2% · FL 4.8%290th of 973 in FL
Median gross rent$1,409
51st
U.S. $1,413 · FL $1,669567th of 902 in FL
Income inequality (Gini)0.434
50th
U.S. 0.483 · FL 0.485563rd of 968 in FL
Broadband access91.3%
43rd
U.S. 91% · FL 91.6%524th of 969 in FL
Median earnings per worker$45,769
43rd
U.S. $49,666 · FL $44,337398th of 961 in FL
Bachelor's degree or higher27.9%
41st
U.S. 35.7% · FL 34.1%510th of 975 in FL
Median home value$275,700
39th
U.S. $332,700 · FL $359,000617th of 935 in FL
Tech workers2.1%
35th
U.S. 3.8% · FL 3.1%544th of 973 in FL
Per capita income$33,569
29th
U.S. $44,673 · FL $42,609644th of 977 in FL
Median household income$64,516
27th
U.S. $80,734 · FL $74,568614th of 948 in FL
Foreign-born residents4%
24th
U.S. 14.1% · FL 21.9%821st of 977 in FL
Population11,113
17th
U.S. 334,922,499 · FL 22,416,077683rd of 977 in FL
Diversity index21.9
14th
U.S. 61.4 · FL 64.7871st of 977 in FL
Population density88/sq mi
12th
U.S. 95/sq mi · FL 418/sq mi820th of 977 in FL
Healthcare workers4.3%
2nd
U.S. 9.7% · FL 9.5%904th of 973 in FL

Measure	32409	Bay	FL	U.S.	National percentile	Rank in FL
Rent-burdened rentersWeakness	76.5%	60%	60.1%	51.1%	99th	47th of 945
Self-employed workers	24.9%	13.4%	12.8%	10%	99th	44th of 973
Homeownership rateStrength	92.2%	66.8%	67.6%	65.2%	98th	64th of 969
Veterans	14.3%	13.6%	7.4%	6.2%	97th	78th of 976
Government workers	24%	17.6%	11.7%	14.5%	93rd	80th of 973
Uninsured rateWeakness	12.9%	14.4%	11.5%	8.4%	83rd	315th of 973
Median age	43.8	41	42.6	38.9	81st	452nd of 977
Average commute	30 min	23.9 min	28 min	26.4 min	74th	308th of 948
Residents under 18	24.5%	21.1%	19.5%	22%	71st	151st of 977
Poverty rate	15%	11.9%	12.6%	12.5%	69th	299th of 970
Housing vacancy	9%	27.3%	14.7%	10.1%	66th	624th of 969
Work from home	16%	10.1%	15.7%	15.1%	65th	384th of 975
Residents 65 and older	18.7%	18.3%	21.3%	17.2%	65th	561st of 977
Unemployment rate	5.5%	3.9%	4.8%	5.2%	61st	290th of 973
Median gross rent	$1,409	$1,484	$1,669	$1,413	51st	567th of 902
Income inequality (Gini)	0.434	0.441	0.485	0.483	50th	563rd of 968
Broadband access	91.3%	92.8%	91.6%	91%	43rd	524th of 969
Median earnings per worker	$45,769	$42,440	$44,337	$49,666	43rd	398th of 961
Bachelor's degree or higher	27.9%	29.6%	34.1%	35.7%	41st	510th of 975
Median home value	$275,700	$310,500	$359,000	$332,700	39th	617th of 935
Tech workers	2.1%	2.6%	3.1%	3.8%	35th	544th of 973
Per capita income	$33,569	$40,782	$42,609	$44,673	29th	644th of 977
Median household income	$64,516	$73,533	$74,568	$80,734	27th	614th of 948
Foreign-born residents	4%	8.6%	21.9%	14.1%	24th	821st of 977
Population	11,113	186,393	22,416,077	334,922,499	17th	683rd of 977
Diversity index	21.9	45	64.7	61.4	14th	871st of 977
Population density	88/sq mi	246/sq mi	418/sq mi	95/sq mi	12th	820th of 977
Healthcare workers	4.3%	7.5%	9.5%	9.7%	2nd	904th 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

21%

5–17

18–24

25–34

13%

35–44

13%

45–54

15%

55–64

11%

65–74

75+

Median age

43.8

Under 18

24.5%

65 and over

18.7%

Race and ethnicity

White88%
Black0%
Hispanic8%
Asian0.9%
Native American0.1%
Pacific Islander0%
Other0.3%
Multiracial3%

Diversity index

21.9

U.S. 61.4

Foreign-born

U.S. 14.1%

Born in state

52.6%

Language spoken at home (households)

English only

91%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 4,117
Average household size: 2.7
Family households: 70.4%
Married couples: 56.5%
Living alone: 22.7%
Veterans (of adults): 14.3%
Male / female: 48% / 52%

Income and poverty

Household income distribution

<$25k

20%

$25–50k

12%

$50–75k

25%

$75–100k

$100–150k

21%

$150–200k

$200k+

Median household income

32409

$64,516

Bay Co.

$73,533

Florida

$74,568

United States

$80,734

Per capita income

$33,569

U.S. $44,673

Poverty rate

15%

U.S. 12.5%

Households earning $150K+

15.1%

U.S. 23%

Income inequality (Gini)

0.434

U.S. 0.483

Housing

Median home value

32409

$275,700

Bay Co.

$310,500

Florida

$359,000

United States

$332,700

Median gross rent

32409

$1,409

Bay Co.

$1,484

Florida

$1,669

United States

$1,413

Types of housing

Single-family

65%

2–4 units

5–19 units

0.3%

20+ units

Mobile home

32%

Boat, RV, van

Housing units: 4,522
Owner-occupied: 92.2%
Vacant: 9%
Median year built: 1999
Median rooms: 6.1
Renters paying 30%+ of income: 76.5%
Renters paying 50%+ of income: 32.1%
Home value to income: 4.3× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

70%

Carpooled

12%

Transit

Walked

Bicycle

Worked from home

16%

Other

Commute time (one way)

<10 min

10–19

22%

20–29

19%

30–44

39%

45–59

15%

60+

Average commute

30 min

U.S. 26.4 min

Unemployment

5.5%

U.S. 5.2%

In labor force

55.7%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Sales

17%

Education

11%

Management

Office and admin

Construction and repair

Cleaning and personal care

Production

Police and fire

Transportation and moving

Business and finance

Healthcare

Food service

Engineering and science

Legal and social services

Computer and math

Farming, fishing and forestry

Arts, media and sports

Industries

Retail

13%

Education

13%

Public administration

11%

Construction

10%

Professional and technical services

Manufacturing

Finance, insurance and real estate

Health care and social assistance

Agriculture and mining

Restaurants and hotels

Admin, support and management

Transportation, warehousing and utilities

Other services

Arts and recreation

Information

Wholesale

0.8%

Median earnings per worker

$45,769

U.S. $49,666

Self-employed

24.9%

U.S. 10%

Government workers

24%

U.S. 14.5%

Nonprofit workers

4.6%

U.S. 8.8%

Median earnings by type of work

Type of work	32409	U.S.
Management, business, science and arts	$57,009	$74,888
Service	$30,323	$26,804
Sales and office	$25,733	$40,476
Construction and maintenance	$47,917	$49,199
Production and transportation	$40,685	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

10%

High school

31%

Some college

23%

Associate's

Bachelor's

18%

Graduate

High school graduate or higher: 89.8%
Bachelor's degree or higher: 27.9%
Graduate or professional degree: 9.4%
Households with broadband: 91.3%
Cable, fiber or DSL: 63.3%
No internet access: 7.2%
Without health insurance: 12.9%
Limited-English households: 0.3%

Geography

City (USPS): Panama City
State: Florida
County: Bay County
Center point: 30.3413° N, 85.7126° W
Land area: 127 sq mi
Water area: 28 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

Zip codes near 32409

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
32402	Panama City, FL · PO box	7.5 mi	—	—	—
32406	Panama City, FL · PO box	7.5 mi	—	—	—
32411	Panama City, FL · PO box	7.5 mi	—	—	—
32412	Panama City, FL · PO box	7.5 mi	—	—	—
32444	Lynn Haven, FL	8 mi	21,459	$83,160	$331,000
32405	Panama City, FL	10 mi	29,984	$73,373	$279,900
32413	Panama City Beach, FL	11 mi	15,453	$80,039	$441,300
32407	Panama City Beach, FL	11 mi	16,404	$80,831	$404,200
32417	Panama City, FL · PO box	13 mi	—	—	—
32408	Panama City, FL	13 mi	18,832	$80,822	$382,300
32401	Panama City, FL	13 mi	18,947	$52,523	$230,500
32437	Ebro, FL	13 mi	424	$46,477	$183,800

Zip codes like 32409 elsewhere

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

Questions about 32409

What city is zip code 32409?

32409 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 32409 in?

32409 is in Bay County, Florida.

What is the population of 32409?

About 11,113 people live in 32409, according to the Census Bureau's American Community Survey.

What time zone is 32409 in?

32409 is in Central Time.

What is the median household income in 32409?

The median household income in 32409 is $64,516.

What zip codes are near 32409?

The closest zip codes to 32409 are 32402, 32406, 32411, 32412, 32444.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 32409, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.