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ZIP 32407 · Panama City Beach

Who lives in ZIP code 32407 (Panama City Beach, FL): age, income, housing, education and work.

Source: uszips 2026 (ACS-based ZIP file)

2026 ZIP profile

Panama City Beach, FL · Bay County

uszips 2026
People16,404
Median age38.2
Household income$80,831
Home value$403,932
Median rent$1,840/mo
Poverty6.3%
College degree+39.9%
Commute20 min

Place

Metro area
Panama City-Panama City Beach, FL
Time zone
Central
Density
425 / sq mi
Housing units
7,009

County

Bay100%

Share of the ZIP's people in each county.

Age mix

Under 1011.6%
10–1911.8%
20s13.1%
30s15.9%
40s10.5%
50s13.5%
60s12.3%
70s7.1%
80+4.2%

15.7% are 65 or older; 78.6% are adults.

Household income

Under $25K11.3%
$25K–50K16.0%
$50K–75K16.9%
$75K–100K13.4%
$100K–150K17.7%
$150K+24.8%

42.5% of households earn $100K+. Median per person: $38,988.

Education (adults 25+)

Less than high school4.6%
High school18.4%
Some college37.0%
Bachelor's24.2%
Graduate15.7%

44.0% of degrees are in STEM fields.

Race

White73.9%
Black7.1%
Asian2.4%
Native American0.2%
Pacific Islander0.0%
Other5.5%
Two or more10.9%

12.3% Hispanic or Latino (of any race).

Households & family

Married
54.2%
Never married
28.3%
Divorced
13.4%
Widowed
4.1%
Family size
2.76
Dual-income families
58.8%

Housing

Own their home
56.4%
Rent burden
33.0%
Men / women
52% / 48%

Work

In labor force
71.1%
Unemployment
4.4%
Self-employed
13.5%
Farmers
0.0%

Community

Charitable givers
16.4%
Veterans
12.2%
With a disability
14.5%
No health insurance
16.6%
Limited English
1.6%

Source: uszips 2026 (ACS-based ZIP file). Shares are percentages of people, households or adults as the measure implies.

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