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City ZIP codes · Florida

Panama City, FL ZIP Codes

11 ZIP codes use the postal name Panama City, Florida (Census 2020 ZCTAs and GeoNames postal codes, October 2026): 6 residential and 5 for PO boxes or a single organization. Median household income runs from $52,523 in 32401 to $80,822 in 32408, 1.5 times as much (Census Bureau, ACS 2020-2024). Panama City's most populous ZIP code is 32404, with 42,514 people (ACS 2020-2024); 11% of its land is in the city of Panama City.

  • ACS2020-24
  • Census2020
  • GeoNames2026

Where are Panama City's ZIP codes?

32401: $53k median household income32403: $119k median household income32404: $75k median household income32405: $73k median household income32408: $81k median household income32409: $65k median household income32404324093240332401324053240832401: $53k median household income32403: $119k median household income32404: $75k median household income32405: $73k median household income32408: $81k median household income32409: $65k median household income32404324093240332401324053240832401: $53k median household income32403: $119k median household income32404: $75k median household income32405: $73k median household income32408: $81k median household income32409: $65k median household income324043240932403324013240532408
The 6 residential ZIP codes named Panama City, 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's ZIP codes?

The highest median household income is in 32408 ($80,822), the lowest in 32401 ($52,523). Home values run from $230,500 in 32401 to $382,300 in 32408.

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

All 6 residential ZIP codes of Panama City

Residential ZIP codes with the postal name Panama City, FL, largest first (ACS 2020-2024); sort by any column
County
32404 Bay County 42,514 315 $75k $274k
32405 Bay County 29,984 1,597 $73k $280k
32401 Bay County 18,947 1,516 $53k $231k
32408 Bay County 18,832 2,199 $81k $382k
32409 Bay County 11,113 88 $65k $276k
32403 Bay County 447 10 $119k –

Download the 11 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).

PO Box and single-organization ZIP codes in Panama City

5 ZIP codes named Panama City have no residential delivery area: post office boxes, or one organization (a large employer, an agency, a university) with its own code. The Census Bureau publishes no figures for them.

Panama City, FL: ZIP codes without a residential area, for PO boxes or one organization (GeoNames postal codes; USPS does not publish openly which is which)
ZIPCounty
32402Bay County
32406Bay County
32411Bay County
32412Bay County
32417Bay County

Source: GeoNames postal codes (CC BY 4.0); a ZIP code with no Census ZCTA has no residential delivery area.

Which counties do Panama City's ZIP codes reach?

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

Which places do Panama City's ZIP codes cover?

A postal name is not a city limit. By the Census Bureau's places, Panama City's residential ZIP codes cover Panama City itself and 9 other places, each listed with the ZIP codes that have at least 5% of their land in it or hold most of the place:

  • Callaway 32404
  • Cedar Grove census-designated 32405
  • Lower Grand Lagoon census-designated 32408
  • Lynn Haven 32405
  • Parker 32404
  • Pretty Bayou census-designated 32405
  • Springfield 32401
  • Tyndall AFB census-designated 32403
  • Upper Grand Lagoon census-designated 32408

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

Which first three digits do Panama City'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 starts with 324.

Three-digit prefixes of Panama City'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's
PrefixSectional centerHereAll codes
324 Pensacola, FL (SCF 325) 11 53

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