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City ZIP codes · Florida

Panama City Beach, FL ZIP Codes

2 ZIP codes use the postal name Panama City Beach, Florida (Census 2020 ZCTAs and GeoNames postal codes, October 2026), all residential. Median household income runs from $80,039 in 32413 to $80,831 in 32407 (Census Bureau, ACS 2020-2024). Panama City Beach's most populous ZIP code is 32407, with 16,404 people (ACS 2020-2024); 34% of its land is in the city of Panama City Beach.

  • ACS2020-24
  • Census2020
  • GeoNames2026

Where are Panama City Beach's ZIP codes?

32407: $81k median household income32413: $80k median household income324133240732407: $81k median household income32413: $80k median household income324133240732407: $81k median household income32413: $80k median household income3241332407
The 2 residential ZIP codes named Panama City Beach, shaded by median household income in national fifths (ACS 2020-2024). Select a ZIP to open it. <$54.1k$98.1k+no figure

Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries; ACS 2020-2024 5-year estimates (B19013).

How different are Panama City Beach's ZIP codes?

The highest median household income is in 32407 ($80,831), the lowest in 32413 ($80,039). Home values run from $404,200 in 32407 to $441,300 in 32413.

Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B19013, B25077, B01003).

All 2 residential ZIP codes of Panama City Beach

Residential ZIP codes with the postal name Panama City Beach, FL, largest first (ACS 2020-2024); sort by any column
County
32407 Bay County 16,404 1,100 $81k $404k
32413 Bay County 15,453 143 $80k $441k

Download the 2 ZIP codes as CSV

Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates; 2023 Gazetteer land areas (2020 ZCTAs); town names from simplemaps US ZIP Codes (CC BY 4.0) and GeoNames (CC BY 4.0).

Which counties do Panama City Beach's ZIP codes reach?

Panama City Beach's residential ZIP codes lie in Bay County.

Which places do Panama City Beach's ZIP codes cover?

A postal name is not a city limit. By the Census Bureau's places, Panama City Beach's residential ZIP codes cover Panama City Beach itself and 2 other places, each listed with the ZIP codes that have at least 5% of their land in it or hold most of the place:

  • Laguna Beach census-designated 32413
  • Upper Grand Lagoon census-designated 32407

Source: U.S. Census Bureau, 2020 ZCTA-to-place relationship file (shares of land).

Which first three digits do Panama City Beach's ZIP codes use?

The first three digits of a ZIP code name the sectional center, the mail processing plant that sorts it. Every ZIP code of Panama City Beach starts with 324.

Three-digit prefixes of Panama City Beach's ZIP codes, the sectional center for each (USPS labeling list L005, effective October 1, 2026) and how many of the prefix's codes are Panama City Beach's
PrefixSectional centerHereAll codes
324 Pensacola, FL (SCF 325) 2 53

Source: U.S. Postal Service, labeling list L005 (3-digit ZIP Code prefix groups, SCF sortation), effective October 1, 2026.