ZIP 32409 · Panama City
Who lives in ZIP code 32409 (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
People11,113
Median age43.8
Household income$64,516
Home value$270,925
Median rent$1,409/mo
Poverty15.0%
College degree+27.9%
Commute30 min
Place
- Metro area
- Panama City-Panama City Beach, FL
- Time zone
- Central
- Density
- 34 / sq mi
- Housing units
- 4,117
County
Share of the ZIP's people in each county.
Age mix
18.7% are 65 or older; 75.5% are adults.
Household income
36.5% of households earn $100K+. Median per person: $34,590.
Education (adults 25+)
47.4% of degrees are in STEM fields.
Race
8.2% Hispanic or Latino (of any race).
Households & family
- Married
- 59.4%
- Never married
- 20.3%
- Divorced
- 13.4%
- Widowed
- 6.8%
- Family size
- 3.26
- Dual-income families
- 53.9%
Housing
- Own their home
- 92.2%
- Rent burden
- 37.2%
- Men / women
- 48% / 52%
Work
- In labor force
- 55.7%
- Unemployment
- 5.5%
- Self-employed
- 12.4%
- Farmers
- 0.5%
Community
- Charitable givers
- 14.6%
- Veterans
- 14.3%
- With a disability
- 24.9%
- No health insurance
- 12.9%
- Limited English
- 0.3%
Source: uszips 2026 (ACS-based ZIP file). Shares are percentages of people, households or adults as the measure implies.