PlainZIP

Panama City Beach, FL

Single-footprint Census roll-up for Panama City Beach, FL: 2 USPS ZIPs, population 22,475. Open the primary ZIP for household income, housing tenure, and commute from ACS 2023 5-Year Estimates.

U.S. Census Bureau, SimpleMaps US ZIP Code Database, delivery-area ZIP coverage

ACS city ledger plate

Sheet PANAMA-CITY-BEACH-FL · Panama City Beach, FL 2 ZIPs · 22,475 pop · #9090/25278 · Bay County

INC-HIGH · RANK-UPPER · BELOW-PEER · BOOK-FEW · OWN-LOW · POP-TOWN · SPREAD-TIGHT · HOME-HIGH

  • INC-HIGH $80,435
  • RANK-UPPER #9090/25278
  • BELOW-PEER under Lynn Haven
  • BOOK-FEW 2 ZIPs
  • OWN-LOW 63% owners
  • POP-TOWN 22,475
  • SPREAD-TIGHT 32413→32407
  • HOME-HIGH $422,750

Nearest income peer: Lynn Haven, FL (+ $2,725 income $)

Instrument codes from this city’s ACS household income, national rank, county-peer gap, ZIP book, owner tenure, population scale, intra-city income spread, and home-value band, not a moving recommendation.

Income neighbourhood around Panama City Beach

Lowest/highest poles plus county-sharing cities nearest Panama City Beach on average ZIP median household income. Full ladder: /cities.

median HH income

What this shows County-sharing peers only, not the full US city board. Open a near peer when the gap is small; open the poles when the mosaic is wide.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2026-08-25

National city placement

According to ACS 5-Year Estimates, Panama City Beach, FL sits among US cities with an above-median household income, on a town-scale population base, across a handful of delivery areas.

Top 36%
household income vs 25,278 US cities
22,475
city population (Census)
2
USPS ZIP codes covered
$80,435
avg ZIP median income

Income percentile ranks this city's average ZIP median household income against 25,278 US cities with ACS income on at least one ZIP. Scale and ZIP-spread words come from Census population and USPS ZIP coverage.

Above-median income on a short ZIP list (2) - lead code 32413 (13,128 residents). Household income $80,435 is the roll-up; open the ZIP for tenure and commute.

Owner-occupancy is comparatively low (63.3%) for this income tier, rent $1,771 may matter more than the home-value average.

Within Florida, Lorida is the closest lower-income city and Dover the closest higher-income city by average ZIP household income. Their 1 and 1 ZIP footprints are the immediate statewide comparison set for Panama City Beach.

Within-city ZIP comparison

Where the ZIP codes inside Panama City Beach differ

The published income range is comparatively compact across the ZIPs in Panama City Beach: $80,039 in ZIP 32413 to $80,831 in 32407. The city average is therefore a more representative summary here, though each ZIP page still carries its own housing and demographic record.

Income high-to-low ratio
1.0×

32413 to 32407

Home-value high-to-low ratio
1.1×

32407 to 32413

Poverty-rate spread
3.4 points

32407 to 32413

Derived from the published ACS 2023 ZIP-level records shown on this site. A high-to-low ratio compares the highest and lowest available ZIP values; it is not a score or forecast.

Population concentration

Lead ZIP 32413 skews compact Panama City Beach

In this 2-ZIP cluster, 32413 covers about 58% of Panama City Beach's 22,475 residents. City averages lean toward that lead; open a thinner sibling ZIP for the contrast the mean hides.

Census ZBP business roll-up

Employer-heavy short list in Panama City Beach

Citywide ZBP: 1,376 establishments, 16,167 employees , annual payroll $705,989k (~61 establishments per 1,000 residents) across 2 of 2 ZIPs. Peak business ZIP 32413 (712 units) ; leading NAICS Retail trade (262) · also Accommodation and food services · Real estate and rental and leasing .

View your shortlist →

ZIP Codes in Panama City Beach, FL

These ZIP codes sit in Bay County, which covers 12 ZIP codes in all; 2 of them fall in Panama City Beach. See the Bay County roll-up →

Panama City Beach sits in the upper half of Bay County on income: Panama City, Youngstown and Fountain report less, while Lynn Haven reports more. Fountain marks the far end of that range at $50,000, 38% below Panama City Beach.

Side-by-side: Compare 32413 vs 32407 →

ZIP Code Population Median income Establishments Density
32413 13,128 $80,039 712 69
32407 9,347 $80,831 664 260
How we build city roll-ups · Guide: reading ZIP code data · BLS wages

Panama City Beach roll-ups here are for informational purposes only and do not constitute financial or relocation advice. ACS and Census ZBP figures are estimates; confirm the current table against Census before a money or move decision involving Panama City Beach, .