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ZIP 32408 · Panama City

Who lives in ZIP code 32408 (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
People18,832
Median age47.8
Household income$80,822
Home value$381,359
Median rent$1,584/mo
Poverty9.7%
College degree+35.7%
Commute21 min

Place

Metro area
Panama City-Panama City Beach, FL
Time zone
Central
Density
848 / sq mi
Housing units
9,135

County

Bay100%

Share of the ZIP's people in each county.

Age mix

Under 109.7%
10–197.9%
20s7.1%
30s16.7%
40s10.4%
50s16.4%
60s16.1%
70s10.5%
80+4.9%

23.3% are 65 or older; 84.2% are adults.

Household income

Under $25K10.6%
$25K–50K16.4%
$50K–75K20.5%
$75K–100K14.7%
$100K–150K18.9%
$150K+18.8%

37.7% of households earn $100K+. Median per person: $45,429.

Education (adults 25+)

Less than high school5.0%
High school24.5%
Some college34.7%
Bachelor's23.4%
Graduate12.3%

43.4% of degrees are in STEM fields.

Race

White83.1%
Black3.6%
Asian2.0%
Native American0.4%
Pacific Islander0.0%
Other2.8%
Two or more8.1%

6.9% Hispanic or Latino (of any race).

Households & family

Married
53.9%
Never married
21.9%
Divorced
17.6%
Widowed
6.6%
Family size
2.59
Dual-income families
48.3%

Housing

Own their home
63.0%
Rent burden
30.0%
Men / women
50% / 50%

Work

In labor force
63.6%
Unemployment
2.8%
Self-employed
13.5%
Farmers
0.4%

Community

Charitable givers
17.6%
Veterans
15.2%
With a disability
15.8%
No health insurance
13.4%
Limited English
3.1%

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

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