ZIP 32404 · Panama City
Who lives in ZIP code 32404 (Panama City, FL): age, income, housing, education and work.
Source: uszips 2026 (ACS-based ZIP file)
2026 ZIP profile
Panama City, FL · Bay County
uszips 2026
People42,514
Median age37.1
Household income$74,708
Home value$268,125
Median rent$1,399/mo
Poverty10.5%
College degree+23.4%
Commute26 min
Place
- Metro area
- Panama City-Panama City Beach, FL
- Time zone
- Central
- Density
- 122 / sq mi
- Housing units
- 16,158
County
Share of the ZIP's people in each county.
Age mix
14.4% are 65 or older; 77.3% are adults.
Household income
32.3% of households earn $100K+. Median per person: $37,661.
Education (adults 25+)
39.8% of degrees are in STEM fields.
Race
9.4% Hispanic or Latino (of any race).
Households & family
- Married
- 50.1%
- Never married
- 31.8%
- Divorced
- 13.8%
- Widowed
- 4.3%
- Family size
- 3.03
- Dual-income families
- 49.5%
Housing
- Own their home
- 69.2%
- Rent burden
- 32.3%
- Men / women
- 52% / 49%
Work
- In labor force
- 64.0%
- Unemployment
- 3.2%
- Self-employed
- 9.2%
- Farmers
- 0.3%
Community
- Charitable givers
- 10.3%
- Veterans
- 15.3%
- With a disability
- 15.8%
- No health insurance
- 13.5%
- Limited English
- 1.3%
Source: uszips 2026 (ACS-based ZIP file). Shares are percentages of people, households or adults as the measure implies.