Residential delivery area · Florida
ZIP Code 32405: Panama City, FL
ZIP code 32405 uses the postal name Panama City, Florida and lies entirely in Bay County (Census 2020 ZIP-county file). About 30,000 people live there (Census Bureau, ACS 2020-2024), the 2nd most populous of Panama City's 6 residential ZIP codes. Median household income is $73,373 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Panama City (48%), Cedar Grove (11%), Pretty Bayou (9%) and Lynn Haven (8%), and 5% in smaller places; 19% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Panama City · 6 residential ZIPs
- County
- Bay County
- Census places
- Panama City (48%); Cedar Grove (11%) census-designated place; Pretty Bayou (9%) census-designated place; Lynn Haven (8%)
- Metro area
- Panama City-Panama City Beach, FL
- House district
- FL-2 119th Congress
- State
- Florida
- Time zone
- Central
- Land area
- 18.8 sq mi · 1,597 people per sq mi
Where is ZIP code 32405?
32405 centers on 30.199°, -85.669° and covers 18.8 square miles of land plus 4.5 of water. It borders 5 ZIP codes: 32444, 32401, 32407, 32404, 32409.
The map draws ZIP code areas only. For the streets inside 32405, 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 32405 compare with the rest of Panama City?
| Measure | 32405 | In Panama City | In Bay County | In FL |
|---|---|---|---|---|
| People (ACS 2020-2024) | 29,984 | 2nd of 6 | 2nd of 16 | 303rd of 1,013 |
| Median household income | $73k | 3rd of 5 | 6th of 11 | 426th of 819 |
| Median home value | $280k | 2nd of 5 | 6th of 11 | 582nd of 833 |
Its median household income is higher than in 52% of U.S. residential ZIP codes, and it is denser than 82% 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 32405?
The 2020 Census counted 28,158 people in 32405; the ACS, which samples households over 2020-2024, estimates 29,984. Between the 2010 and 2020 censuses its population fell 6.1% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 29,984
- 2020 Census count
- 28,158−6.1% since 2010 (29,980)
- Households
- 12,433
- Median age
- 36.2
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 32405?
Of the 29,984 people the ACS estimates in 32405, 22.1% are under 18 and 17.4% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (67.0%), then Black (not Hispanic) (16.4%).
- Under 1822.1%
- 18 to 6460.5%
- 65 and older17.4%
- White, not Hispanic67.0%
- Black, not Hispanic16.4%
- Hispanic or Latino8.0%
- Other or two or more6.8%
- Asian, not Hispanic1.9%
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 32405 earn?
Median household income is $73,373 (ACS 2020-2024), the 6th highest of the 11 ranked ZIP codes in Bay County. It rose from $62,269 in 2015-2019 (in 2024 dollars), a change larger than the surveys' margins of error.
- Median household income
- $73,373
- Income per person
- $39,376
- Below the poverty line
- 16.7%
- Unemployed (of the labor force)
- 2.6%
- Adults 25+ with a bachelor's degree
- 30.8%
- Adjusted gross income per tax return, 2022
- $66,43414,120 returns; wages 67% 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 32405?
FHFA's house price index for 32405, built from repeat sales and appraisals of the same homes, rose 91% from 2015 to 2025 and rose 40% from 2020 to 2025, and moved +1.5% in 2025.
- Median home value (owners' estimate)
- $279,900
- Median gross rent
- $1,467
- Homes owned by their occupants
- 59.5%
- Housing units
- 13,711
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 32405?
1,209 business establishments had a location in this ZIP code in 2023, 36 more than in 2018; the most are in health care and social assistance (ZIP Code Business Patterns).
- Health care and social assistance279
- Retail trade193
- Construction140
- Other services (except public administration)85
- Accommodation and food services83
- Finance and insurance77
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 32405?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 32444 | Lynn Haven | 21,459 | $83k | 2.9 mi |
| 32401 | Panama City | 18,947 | $53k | 3.4 mi |
| 32407 | Panama City Beach | 16,404 | $81k | 7.3 mi |
| 32404 | Panama City | 42,514 | $75k | 9.7 mi |
| 32409 | Panama City | 11,113 | $65k | 10.1 mi |
| 32408 | Panama City | 18,832 | $81k | 5.9 mi (near) |
| 32403 | Panama City | 447 | $119k | 12.5 mi (near) |
| 32413 | Panama City Beach | 15,453 | $80k | 14.9 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.