Residential delivery area · Florida
ZIP Code 32403: Panama City, FL
ZIP code 32403 uses the postal name Panama City, Florida and lies entirely in Bay County (Census 2020 ZIP-county file). About 450 people live there (Census Bureau, ACS 2020-2024), the least populous of Panama City's 6 residential ZIP codes. Median household income is $118,594 (Census Bureau, ACS 2020-2024). By Census place, 33% of its land lies in Tyndall AFB (a census-designated place); 67% is outside any Census place.
- ACS2020-24
- Census2020
- ZBP2023
- IRS2022
- Town
- Panama City · 6 residential ZIPs
- County
- Bay County
- Census places
- Tyndall AFB census-designated place
- Metro area
- Panama City-Panama City Beach, FL
- House district
- FL-2 119th Congress
- State
- Florida
- Time zone
- Central
- Land area
- 44.2 sq mi · 10 people per sq mi
Where is ZIP code 32403?
32403 centers on 30.049°, -85.553° and covers 44.2 square miles of land plus 30.2 of water. It borders 4 ZIP codes: 32401, 32404, 32410, 32456.
The map draws ZIP code areas only. For the streets inside 32403, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 32403 compare with the rest of Panama City?
| Measure | 32403 | In Panama City | In Bay County | In FL |
|---|---|---|---|---|
| People (ACS 2020-2024) | 447 | 6th of 6 | 15th of 16 | 942nd of 1,013 |
| Median household income | $119k | not ranked | not ranked | not ranked |
| Median home value | – | not ranked | not ranked | not ranked |
32403's income and home value are not ranked: it has fewer than 1,000 residents (447). Rankings use ZIP codes of 1,000 or more people living in households, with margins at most 25% of the figure.
It is denser than 17% of U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 32403?
The 2020 Census counted 141 people in 32403; the ACS, which samples households over 2020-2024, estimates 447. Between the 2010 and 2020 censuses its population fell 95.3% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 447±131 (90% margin)
- 2020 Census count
- 141−95.3% since 2010 (2,995)
- Households
- 71
- Median age
- 23.3
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 32403?
Of the 447 people the ACS estimates in 32403, 20.6% are under 18 and 0.0% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (45.0%), then Hispanic or Latino (29.8%).
- Under 1820.6%
- 18 to 6479.4%
- 65 and older0.0%
- White, not Hispanic45.0%
- Hispanic or Latino29.8%
- Black, not Hispanic15.9%
- Other or two or more5.8%
- Asian, not Hispanic3.6%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 32403 earn?
Median household income is $118,594 (ACS 2020-2024). It is not measurably different from 2015-2019 ($78,689 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $118,594±$92,873
- Income per person
- $34,919
- Below the poverty line
- 4.3%
- Unemployed (of the labor force)
- 10.3%
- Adults 25+ with a bachelor's degree
- 35.6%
- Adjusted gross income per tax return, 2022
- $58,192380 returns; wages 94% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 32403?
- Median home value (owners' estimate)
- –
- Median gross rent
- $2,422
- Homes owned by their occupants
- 0.0%
- Housing units
- 104
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001).
What businesses are in 32403?
37 business establishments had a location in this ZIP code in 2023, 9 fewer than in 2018; the most are in professional, scientific, and technical services (ZIP Code Business Patterns).
- Professional, scientific, and technical services18
- Transportation and warehousing3
- Administrative and support and waste management and remediation services3
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 32403?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 32401 | Panama City | 18,947 | $53k | 9.1 mi |
| 32404 | Panama City | 42,514 | $75k | 9.8 mi |
| 32410 | Mexico Beach | 550 | $64k | 10.0 mi |
| 32456 | Port Saint Joe | 7,510 | $65k | 21.9 mi |
| 32405 | Panama City | 29,984 | $73k | 12.5 mi (near) |
| 32408 | Panama City | 18,832 | $81k | 14.2 mi (near) |
| 32444 | Lynn Haven | 21,459 | $83k | 14.4 mi (near) |
| 32407 | Panama City Beach | 16,404 | $81k | 17.6 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.