Residential delivery area · Florida
ZIP Code 32404: Panama City, FL
ZIP code 32404 uses the postal name Panama City, Florida and lies entirely in Bay County (Census 2020 ZIP-county file). About 43,000 people live there (Census Bureau, ACS 2020-2024), the most populous of Panama City's 6 residential ZIP codes. Median household income is $74,708 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Panama City (11%), Callaway (7%) and Parker (1%), and 2% in smaller places; 79% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Panama City · 6 residential ZIPs
- County
- Bay County
- Census places
- Panama City (11%); Callaway (7%); Parker (1%)
- Metro area
- Panama City-Panama City Beach, FL
- House district
- FL-2 119th Congress
- State
- Florida
- Time zone
- Central
- Land area
- 135.0 sq mi · 315 people per sq mi
Where is ZIP code 32404?
32404 centers on 30.185°, -85.507° and covers 135.0 square miles of land plus 19.0 of water. It borders 8 ZIP codes: 32401, 32444, 32405, 32403, 32466, 32409, 32465, 32456.
The map draws ZIP code areas only. For the streets inside 32404, 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 32404 compare with the rest of Panama City?
| Measure | 32404 | In Panama City | In Bay County | In FL |
|---|---|---|---|---|
| People (ACS 2020-2024) | 42,514 | 1st of 6 | 1st of 16 | 131st of 1,013 |
| Median household income | $75k | 2nd of 5 | 5th of 11 | 394th of 819 |
| Median home value | $274k | 4th of 5 | 8th of 11 | 593rd of 833 |
Its median household income is higher than in 54% of U.S. residential ZIP codes, and it is denser than 67% of all 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 32404?
The 2020 Census counted 38,186 people in 32404; the ACS, which samples households over 2020-2024, estimates 42,514. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 42,514
- 2020 Census count
- 38,186
- Households
- 16,158
- Median age
- 37.1
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 32404?
Of the 42,514 people the ACS estimates in 32404, 22.7% are under 18 and 14.4% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (67.9%), then Black (not Hispanic) (13.0%).
- Under 1822.7%
- 18 to 6462.9%
- 65 and older14.4%
- White, not Hispanic67.9%
- Black, not Hispanic13.0%
- Hispanic or Latino9.4%
- Other or two or more7.2%
- Asian, not Hispanic2.5%
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 32404 earn?
Median household income is $74,708 (ACS 2020-2024), the 5th highest of the 11 ranked ZIP codes in Bay County.
- Median household income
- $74,708
- Income per person
- $34,098
- Below the poverty line
- 10.5%
- Unemployed (of the labor force)
- 3.2%
- Adults 25+ with a bachelor's degree
- 23.4%
- Adjusted gross income per tax return, 2022
- $59,44019,860 returns; wages 73% 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 32404?
FHFA's house price index for 32404, built from repeat sales and appraisals of the same homes, rose 92% from 2015 to 2025 and rose 41% from 2020 to 2025, and moved −0.7% in 2025.
- Median home value (owners' estimate)
- $273,500
- Median gross rent
- $1,399
- Homes owned by their occupants
- 69.2%
- Housing units
- 17,934
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 32404?
523 business establishments had a location in this ZIP code in 2023, 42 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction104
- Retail trade87
- Other services (except public administration)57
- Administrative and support and waste management and remediation services54
- Accommodation and food services52
- Professional, scientific, and technical services33
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 32404?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 32401 | Panama City | 18,947 | $53k | 8.0 mi |
| 32444 | Lynn Haven | 21,459 | $83k | 9.4 mi |
| 32405 | Panama City | 29,984 | $73k | 9.7 mi |
| 32403 | Panama City | 447 | $119k | 9.8 mi |
| 32466 | Youngstown | 5,916 | $60k | 14.3 mi |
| 32409 | Panama City | 11,113 | $65k | 16.3 mi |
| 32465 | Wewahitchka | 8,069 | $55k | 23.0 mi |
| 32456 | Port Saint Joe | 7,510 | $65k | 28.3 mi |
| 32408 | Panama City | 18,832 | $81k | 14.9 mi (near) |
| 32410 | Mexico Beach | 550 | $64k | 16.8 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.