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County ZIP codes · Florida · FIPS 12005

Bay County, FL ZIP Codes

Bay County, Florida has 21 ZIP codes (Census 2020 ZCTA-county file; GeoNames postal codes, October 2026): 16 residential and 5 for PO boxes or a single organization. 12 of the residential ones lie mainly in Bay County and 4 mainly in a neighboring county; 6 cross the county line. Median household income ranges from $52,523 in 32401 (Panama City) to $83,160 in 32444 (Lynn Haven) (Census Bureau, ACS 2020-2024).

  • ACS2020-24
  • Census2020

Where are the ZIP codes of Bay County?

32401 · Panama City: $53k32403 · Panama City: $119k32404 · Panama City: $75k32405 · Panama City: $73k32407 · Panama City Beach: $81k32408 · Panama City: $81k32409 · Panama City: $65k32410 · Mexico Beach: $64k32413 · Panama City Beach: $80k32428 · Chipley: $58k32437 · Ebro: $47k32438 · Fountain: $50k32444 · Lynn Haven: $83k32456 · Port Saint Joe: $65k32462 · Vernon: $51k32466 · Youngstown: $60k324623242832456324663240432413324093240332437324383240132405324073244432401 · Panama City: $53k32403 · Panama City: $119k32404 · Panama City: $75k32405 · Panama City: $73k32407 · Panama City Beach: $81k32408 · Panama City: $81k32409 · Panama City: $65k32410 · Mexico Beach: $64k32413 · Panama City Beach: $80k32428 · Chipley: $58k32437 · Ebro: $47k32438 · Fountain: $50k32444 · Lynn Haven: $83k32456 · Port Saint Joe: $65k32462 · Vernon: $51k32466 · Youngstown: $60k32462324283245632466324043241332409324033243732438324013240532401 · Panama City: $53k32403 · Panama City: $119k32404 · Panama City: $75k32405 · Panama City: $73k32407 · Panama City Beach: $81k32408 · Panama City: $81k32409 · Panama City: $65k32410 · Mexico Beach: $64k32413 · Panama City Beach: $80k32428 · Chipley: $58k32437 · Ebro: $47k32438 · Fountain: $50k32444 · Lynn Haven: $83k32456 · Port Saint Joe: $65k32462 · Vernon: $51k32466 · Youngstown: $60k324623242832456324663240432413324093240332438
The residential ZIP codes of Bay County (whole outlines, including the parts in neighboring counties), shaded by median household income in national fifths (ACS 2020-2024).<$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 its ZIP codes?

The middle half of its ranked ZIP codes (1,000+ people living in households) report median household incomes between $60,337 and $80,039.

They carry 10 postal town names.

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

All 16 residential ZIP codes in Bay County

12 ZIP codes lie mainly in Bay County; 4 more reach into it from a neighboring county and follow the first table.

Residential ZIP codes mainly in Bay County, largest first; "In this county" is the share of the ZIP's land in the county
In this county
32404 Panama City 42,514 315 $75k $274k 100%
32405 Panama City 29,984 1,597 $73k $280k 100%
32444 Lynn Haven 21,459 2,188 $83k $331k 100%
32401 Panama City 18,947 1,516 $53k $231k 100%
32408 Panama City 18,832 2,199 $81k $382k 100%
32407 Panama City Beach 16,404 1,100 $81k $404k 100%
32413 Panama City Beach 15,453 143 $80k $441k 100%
32409 Panama City 11,113 88 $65k $276k 100%
32466 Youngstown 5,916 34 $60k $180k 65%
32438 Fountain 4,815 85 $50k $154k 77%
32410 Mexico Beach 550 353 $64k $461k 100%
32403 Panama City 447 10 $119k – 100%

Partly in Bay County

Residential ZIP codes mainly in another county that reach at least 1% into Bay County, by their share here
In this county
32437 Ebro 424 12 $47k $184k 23%
32456 Port Saint Joe 7,510 71 $65k $379k 18%
32428 Chipley 17,950 63 $58k $179k 2%
32462 Vernon 3,920 25 $51k $179k 1%

Download the 21 ZIP codes as CSV

Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates; county shares by land area (Census 2020 ZCTA-county relationship file).

Which ZIP codes cross the county line?

6 ZIP codes of Bay County extend into another county. A ZIP code follows mail routes, not county borders.

Share of each ZIP code's land in Bay County and in the neighboring counties
ZIPIn BayElsewhere
324282%Washington County97%
3245618%Gulf County74%; Franklin County7%
3246665%Calhoun County25%; Washington County10%
3243877%Calhoun County17%; Jackson County5%
324621%Washington County83%; Walton County16%
3243723%Washington County77%

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

PO Box and single-organization ZIP codes

ZIP codes in Bay County without a residential area (GeoNames postal codes)
ZIPPostal name
32402Panama City
32406Panama City
32411Panama City
32412Panama City
32417Panama City

Source: GeoNames postal codes (CC BY 4.0).

Which first three digits do Bay County'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 Bay County starts with 324.

Three-digit prefixes of Bay County'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 Bay County's
PrefixSectional centerHereAll codes
324Pensacola, FL (SCF 325)2153

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