Panama City Beach, FL

Panama City Beach, FL is covered by 2 USPS ZIP codes serving a combined population of 22,475 according to Census ACS 5-Year Estimates. U.S. cities rarely map cleanly to a single ZIP — Panama City Beach splits its residents across 2 delivery areas, each with its own demographic and housing profile. The table below lists every ZIP by population, so you can see which neighborhoods carry the weight of the city total and which are smaller pockets of the same municipal boundary.

Aggregated across every ZIP in Panama City Beach, the median household income averages $80,435 and per-capita income averages $52,157. Poverty rate runs at 8.0% and unemployment at 4.2%. On housing, the average median home value is $422,750 with median rent of $1,771 per month, and 63.3% of occupied units are owner-occupied. These are arithmetic averages across the 2 ZIPs — not population-weighted — so small ZIPs influence the headline numbers the same as large ones.

Use this city view to compare ZIPs inside Panama City Beach against each other rather than hunting for a single "city average." The Affordability Dashboard linked below combines these Census inputs with HUD Fair Market Rents, FBI crime data, and Department of Labor childcare costs into a graded scorecard for Panama City Beach as a whole, while individual ZIP pages show fine-grained household income, housing profile, education attainment, commute time, and nearby-ZIP benchmarks. Every field on this page is sourced directly from U.S. Census Bureau ACS 2023 5-Year Estimates — no estimates, no proprietary scoring, no editorial adjustment.