Panama City, FL
Census ZIP code profile for Panama City, FL - 6 ZIPs, total population 118,090. Median income, home value, education, commute, and demographics from the U.S. Census Bureau American Community Survey 2023 5-Year Estimates.
U.S. Census Bureau, SimpleMaps US ZIP Code Database, delivery-area ZIP coverage
ACS city ledger plate
Sheet PANAMA-CITY-FL · Panama City, FL 6 ZIPs · 118,090 pop · #10195/25278 · Bay County
INC-HIGH · RANK-MID · BELOW-PEER · BOOK-MID · OWN-LOW · POP-MID · SPREAD-WIDE · HOME-MID
- INC-HIGH $77,423
- RANK-MID #10195/25278
- BELOW-PEER under Panama City Beac
- BOOK-MID 6 ZIPs
- OWN-LOW 57% owners
- POP-MID 118,090
- SPREAD-WIDE 32401→32403
- HOME-MID $288,380
Nearest income peer: Panama City Beach, FL (+ $3,012 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
Lowest/highest poles plus county-sharing cities nearest Panama City on average ZIP median household income. Full ladder: /cities.
- Fountain · lowest
Fountain · lowest
$50,000 median HH income
- Youngstown · near
Youngstown · near
$60,337 median HH income
- Mexico Beach · near
Mexico Beach · near
$63,606 median HH income
- Panama City · this city
Panama City · this city
$77,423 median HH income
- Panama City Be · near
Panama City Be · near
$80,435 median HH income
- Lynn Haven · highest
Lynn Haven · highest
$83,160 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.
National city placement
According to ACS 5-Year Estimates, Panama City, FL sits among US cities with an above-median household income, on a mid-size population base, across a compact ZIP cluster.
- Top 40%
- household income vs 25,278 US cities
- 118,090
- city population (Census)
- 6
- USPS ZIP codes covered
- $77,423
- 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.
A above-median income city on a compact ZIP cluster (6 codes). Income averages $77,423, rent $1,572 , commute about 24 minutes. Sibling ZIPs here are close enough that a two-ZIP compare often answers which side of town.
Panama City lands mid-pack among the 5 cities sharing Bay County: Panama City Beach and Lynn Haven earn more and Youngstown, Fountain and Mexico Beach earn less. Fountain marks the far end of that range at $50,000, 35% below Panama City.
Within-city ZIP comparison
Where the ZIP codes inside Panama City differ
Panama City's city average masks two linked splits. Median household income runs from $52,523 in ZIP 32401 to $118,594 in ZIP 32403, while home values span $230,500 in 32401 to $382,300 in 32408. Compare the endpoint ZIPs before treating the city-level number as a neighborhood-level answer.
- Income high-to-low ratio
- 2.3×
- Home-value high-to-low ratio
- 1.7×
- Poverty-rate spread
- 12.4 points
32401 to 32403
32401 to 32408
32403 to 32405
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
Panama City population is a blend, not a flagship ZIP
Across 6 delivery areas, the densest code 32404 still covers only about 33% of Panama City's 118,090 residents. The city average is a blend, pick two ZIPs with different incomes before using one number.
Census ZBP business roll-up
Dense employer mosaic across Panama City
Citywide ZBP: 3,336 establishments, 40,855 employees , annual payroll $2,080,125k (~28 establishments per 1,000 residents) across 6 of 6 ZIPs. Peak business ZIP 32405 (1,209 units) ; leading NAICS Retail trade (486) · also Health care and social assistance · Construction .
ZIP Codes in Panama City, FL
These ZIP codes sit in Bay County, which covers 12 ZIP codes in all; 6 of them fall in Panama City. See the Bay County roll-up →
Panama City lands mid-pack among the 5 cities sharing Bay County: Panama City Beach and Lynn Haven earn more and Youngstown, Fountain and Mexico Beach earn less. Fountain marks the far end of that range at $50,000, 35% below Panama City.
Side-by-side: Compare 32404 vs 32405 →
Panama City 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, .