Zip code 32413: Panama City Beach, Florida

Q: What city is zip code 32413?

32413 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 32413 in?

32413 is in Bay County, Florida.

Q: What is the population of 32413?

About 15,453 people live in 32413, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 32413?

The median household income in 32413 is $80,039.

Q: What zip codes are near 32413?

The closest zip codes to 32413 are 32437, 32407, 32461, 32409, 32402.

Residential delivery areaBay CountyCentral Time

Population

15,453

Median household income

$80K

U.S. $81K

Median home value

$441K

U.S. $333K

Median rent

$1,702/mo

U.S. $1,413

Median age

U.S. 38.9

Land area

108 sq mi

143 people/sq mi

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

About 32413

32413 is a small-town zip code in Panama City Beach, Florida (Bay County), covering 108 sq mi of land. About 15,453 people live here, or 143 per square mile. The median resident is 53 years old, compared with 38.9 nationally.

The median household earns $80,039 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 $441,300, or 5.5 years of median household income (U.S.: 4.1 years), which makes homes relatively expensive for local earners. 70% of occupied homes are lived in by their owners, and renters pay a median of $1,702 a month.

37% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 20.6 minutes each way, and 13% of workers work from home. The most common jobs among working residents are in sales, food service and management. 16% of them are self-employed (U.S.: 10%).

How 32413 compares

Sorted from highest to lowest national percentile

Housing vacancy55.4%
99th
U.S. 10.1% · FL 14.7%22nd of 969 in FL
Median age53
97th
U.S. 38.9 · FL 42.6214th of 977 in FL
Veterans11.8%
94th
U.S. 6.2% · FL 7.4%167th of 976 in FL
Residents 65 and older25.3%
92nd
U.S. 17.2% · FL 21.3%316th of 977 in FL
Self-employed workers15.6%
92nd
U.S. 10% · FL 12.8%272nd of 973 in FL
Rent-burdened renters62.5%
89th
WeaknessU.S. 51.1% · FL 60.1%325th of 945 in FL
Uninsured rate13.9%
86th
WeaknessU.S. 8.4% · FL 11.5%256th of 973 in FL
Income inequality (Gini)0.492
86th
WeaknessU.S. 0.483 · FL 0.485210th of 968 in FL
Per capita income$56,820
81st
StrengthU.S. $44,673 · FL $42,609171st of 977 in FL
Broadband access94.5%
71st
U.S. 91% · FL 91.6%268th of 969 in FL
Median home value$441,300
68th
U.S. $332,700 · FL $359,000234th of 935 in FL
Median gross rent$1,702
68th
U.S. $1,413 · FL $1,669382nd of 902 in FL
Bachelor's degree or higher36.8%
60th
U.S. 35.7% · FL 34.1%337th of 975 in FL
Homeownership rate70.2%
54th
U.S. 65.2% · FL 67.6%577th of 969 in FL
Work from home13.2%
52nd
U.S. 15.1% · FL 15.7%520th of 975 in FL
Government workers13.9%
52nd
U.S. 14.5% · FL 11.7%280th of 973 in FL
Median household income$80,039
50th
U.S. $80,734 · FL $74,568361st of 948 in FL
Foreign-born residents8.3%
44th
U.S. 14.1% · FL 21.9%634th of 977 in FL
Poverty rate9.7%
43rd
U.S. 12.5% · FL 12.6%595th of 970 in FL
Tech workers2.5%
43rd
U.S. 3.8% · FL 3.1%465th of 973 in FL
Median earnings per worker$44,082
37th
U.S. $49,666 · FL $44,337459th of 961 in FL
Unemployment rate4.1%
36th
U.S. 5.2% · FL 4.8%535th of 973 in FL
Population15,453
23rd
U.S. 334,922,499 · FL 22,416,077592nd of 977 in FL
Diversity index26.8
20th
U.S. 61.4 · FL 64.7814th of 977 in FL
Population density143/sq mi
17th
U.S. 95/sq mi · FL 418/sq mi786th of 977 in FL
Average commute20.6 min
15th
StrengthU.S. 26.4 min · FL 28 min881st of 948 in FL
Residents under 1811.7%
4th
U.S. 22% · FL 19.5%829th of 977 in FL
Healthcare workers4.2%
2nd
U.S. 9.7% · FL 9.5%906th of 973 in FL

Measure	32413	Bay	FL	U.S.	National percentile	Rank in FL
Housing vacancy	55.4%	27.3%	14.7%	10.1%	99th	22nd of 969
Median age	53	41	42.6	38.9	97th	214th of 977
Veterans	11.8%	13.6%	7.4%	6.2%	94th	167th of 976
Residents 65 and older	25.3%	18.3%	21.3%	17.2%	92nd	316th of 977
Self-employed workers	15.6%	13.4%	12.8%	10%	92nd	272nd of 973
Rent-burdened rentersWeakness	62.5%	60%	60.1%	51.1%	89th	325th of 945
Uninsured rateWeakness	13.9%	14.4%	11.5%	8.4%	86th	256th of 973
Income inequality (Gini)Weakness	0.492	0.441	0.485	0.483	86th	210th of 968
Per capita incomeStrength	$56,820	$40,782	$42,609	$44,673	81st	171st of 977
Broadband access	94.5%	92.8%	91.6%	91%	71st	268th of 969
Median home value	$441,300	$310,500	$359,000	$332,700	68th	234th of 935
Median gross rent	$1,702	$1,484	$1,669	$1,413	68th	382nd of 902
Bachelor's degree or higher	36.8%	29.6%	34.1%	35.7%	60th	337th of 975
Homeownership rate	70.2%	66.8%	67.6%	65.2%	54th	577th of 969
Work from home	13.2%	10.1%	15.7%	15.1%	52nd	520th of 975
Government workers	13.9%	17.6%	11.7%	14.5%	52nd	280th of 973
Median household income	$80,039	$73,533	$74,568	$80,734	50th	361st of 948
Foreign-born residents	8.3%	8.6%	21.9%	14.1%	44th	634th of 977
Poverty rate	9.7%	11.9%	12.6%	12.5%	43rd	595th of 970
Tech workers	2.5%	2.6%	3.1%	3.8%	43rd	465th of 973
Median earnings per worker	$44,082	$42,440	$44,337	$49,666	37th	459th of 961
Unemployment rate	4.1%	3.9%	4.8%	5.2%	36th	535th of 973
Population	15,453	186,393	22,416,077	334,922,499	23rd	592nd of 977
Diversity index	26.8	45	64.7	61.4	20th	814th of 977
Population density	143/sq mi	246/sq mi	418/sq mi	95/sq mi	17th	786th of 977
Average commuteStrength	20.6 min	23.9 min	28 min	26.4 min	15th	881st of 948
Residents under 18	11.7%	21.1%	19.5%	22%	4th	829th of 977
Healthcare workers	4.2%	7.5%	9.5%	9.7%	2nd	906th 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

5–17

10%

18–24

25–34

35–44

14%

45–54

22%

55–64

16%

65–74

75+

Median age

Under 18

11.7%

65 and over

25.3%

Race and ethnicity

White85%
Black0.9%
Hispanic9%
Asian0.6%
Native American0.4%
Pacific Islander0.1%
Other0%
Multiracial4%

Diversity index

26.8

U.S. 61.4

Foreign-born

8.3%

U.S. 14.1%

Born in state

23.5%

Language spoken at home (households)

English only

90%

Spanish

Other Indo-European

Asian / Pacific

0.5%

Other

0.1%

Households

Households: 7,534
Average household size: 2.1
Family households: 62.9%
Married couples: 47.7%
Living alone: 28.7%
Veterans (of adults): 11.8%
Male / female: 49% / 51%

Income and poverty

Household income distribution

<$25k

11%

$25–50k

18%

$50–75k

17%

$75–100k

16%

$100–150k

16%

$150–200k

10%

$200k+

11%

Median household income

32413

$80,039

Bay Co.

$73,533

Florida

$74,568

United States

$80,734

Per capita income

$56,820

U.S. $44,673

Poverty rate

9.7%

U.S. 12.5%

Households earning $150K+

21.1%

U.S. 23%

Income inequality (Gini)

0.492

U.S. 0.483

Housing

Median home value

32413

$441,300

Bay Co.

$310,500

Florida

$359,000

United States

$332,700

Median gross rent

32413

$1,702

Bay Co.

$1,484

Florida

$1,669

United States

$1,413

Types of housing

Single-family

49%

2–4 units

5–19 units

11%

20+ units

30%

Mobile home

Boat, RV, van

0.0%

Housing units: 16,908
Owner-occupied: 70.2%
Vacant: 55.4%
Median year built: 1999
Median rooms: 4.2
Renters paying 30%+ of income: 62.5%
Renters paying 50%+ of income: 25.5%
Home value to income: 5.5× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

75%

Carpooled

Transit

Walked

Bicycle

0.5%

Worked from home

13%

Other

Commute time (one way)

<10 min

22%

10–19

35%

20–29

14%

30–44

21%

45–59

60+

Average commute

20.6 min

U.S. 26.4 min

Unemployment

4.1%

U.S. 5.2%

In labor force

61%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Sales

16%

Food service

13%

Management

12%

Office and admin

10%

Construction and repair

Education

Business and finance

Cleaning and personal care

Transportation and moving

Healthcare

Engineering and science

Computer and math

Arts, media and sports

Legal and social services

Production

Police and fire

0.8%

Farming, fishing and forestry

Industries

Restaurants and hotels

18%

Retail

15%

Finance, insurance and real estate

10%

Education

Construction

Professional and technical services

Health care and social assistance

Arts and recreation

Manufacturing

Public administration

Admin, support and management

Transportation, warehousing and utilities

Wholesale

Other services

Information

0.6%

Agriculture and mining

0.3%

Median earnings per worker

$44,082

U.S. $49,666

Self-employed

15.6%

U.S. 10%

Government workers

13.9%

U.S. 14.5%

Nonprofit workers

3.4%

U.S. 8.8%

Median earnings by type of work

Type of work	32413	U.S.
Management, business, science and arts	$66,425	$74,888
Service	$28,263	$26,804
Sales and office	$44,777	$40,476
Construction and maintenance	$47,055	$49,199
Production and transportation	$33,864	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

22%

Some college

24%

Associate's

13%

Bachelor's

23%

Graduate

14%

High school graduate or higher: 95.8%
Bachelor's degree or higher: 36.8%
Graduate or professional degree: 13.7%
Households with broadband: 94.5%
Cable, fiber or DSL: 77%
No internet access: 3.1%
Without health insurance: 13.9%
Limited-English households: 2.6%

Geography

City (USPS): Panama City Beach
State: Florida
County: Bay County
Center point: 30.3057° N, 85.8863° W
Land area: 108 sq mi
Water area: 20 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 Beach13% of zip
Laguna Beach (unincorporated)2% of zip

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

Zip codes near 32413

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
32437	Ebro, FL	9.1 mi	424	$46,477	$183,800
32407	Panama City Beach, FL	9.4 mi	16,404	$80,831	$404,200
32461	Rosemary Beach, FL	10 mi	3,757	$145,706	$1,095,100
32409	Panama City, FL	11 mi	11,113	$64,516	$275,700
32402	Panama City, FL · PO box	13 mi	—	—	—
32406	Panama City, FL · PO box	13 mi	—	—	—
32411	Panama City, FL · PO box	13 mi	—	—	—
32412	Panama City, FL · PO box	13 mi	—	—	—
32408	Panama City, FL	13 mi	18,832	$80,822	$382,300
32444	Lynn Haven, FL	15 mi	21,459	$83,160	$331,000
32405	Panama City, FL	15 mi	29,984	$73,373	$279,900
32417	Panama City, FL · PO box	17 mi	—	—	—

Zip codes like 32413 elsewhere

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

Questions about 32413

What city is zip code 32413?

32413 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 32413 in?

32413 is in Bay County, Florida.

What is the population of 32413?

About 15,453 people live in 32413, according to the Census Bureau's American Community Survey.

What time zone is 32413 in?

32413 is in Central Time.

What is the median household income in 32413?

The median household income in 32413 is $80,039.

What zip codes are near 32413?

The closest zip codes to 32413 are 32437, 32407, 32461, 32409, 32402.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 32413, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.