Residential delivery area · Florida
ZIP Code 32407: Panama City Beach, FL
ZIP code 32407 uses the postal name Panama City Beach, Florida and lies entirely in Bay County (Census 2020 ZIP-county file). About 16,000 people live there (Census Bureau, ACS 2020-2024), the more populous of Panama City Beach's 2 residential ZIP codes. Median household income is $80,831 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Panama City Beach (34%) and Upper Grand Lagoon (15%); 52% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Panama City Beach · 2 residential ZIPs
- County
- Bay County
- Census places
- Panama City Beach (34%); Upper Grand Lagoon (15%) census-designated place
- Metro area
- Panama City-Panama City Beach, FL
- House district
- FL-2 119th Congress
- State
- Florida
- Time zone
- Central
- Land area
- 14.9 sq mi · 1,100 people per sq mi
Where is ZIP code 32407?
32407 centers on 30.198°, -85.791° and covers 14.9 square miles of land plus 3.4 of water. It borders 4 ZIP codes: 32408, 32405, 32413, 32409.
The map draws ZIP code areas only. For the streets inside 32407, 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 32407 compare with the rest of Panama City Beach?
| Measure | 32407 | In Panama City Beach | In Bay County | In FL |
|---|---|---|---|---|
| People (ACS 2020-2024) | 16,404 | 1st of 2 | 7th of 16 | 577th of 1,013 |
| Median household income | $81k | 1st of 2 | 2nd of 11 | 310th of 819 |
| Median home value | $404k | 2nd of 2 | 2nd of 11 | 282nd of 833 |
Its median household income is higher than in 63% of U.S. residential ZIP codes, and it is denser than 79% 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 32407?
The 2020 Census counted 14,366 people in 32407; the ACS, which samples households over 2020-2024, estimates 16,404. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 16,404
- 2020 Census count
- 14,366
- Households
- 7,009
- Median age
- 38.2
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 32407?
Of the 16,404 people the ACS estimates in 32407, 21.4% are under 18 and 15.7% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (71.5%), then Hispanic or Latino (12.3%).
- Under 1821.4%
- 18 to 6462.9%
- 65 and older15.7%
- White, not Hispanic71.5%
- Hispanic or Latino12.3%
- Black, not Hispanic7.1%
- Other or two or more6.7%
- Asian, not Hispanic2.4%
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 32407 earn?
Median household income is $80,831 (ACS 2020-2024), the 2nd highest of the 11 ranked ZIP codes in Bay County.
- Median household income
- $80,831
- Income per person
- $47,494
- Below the poverty line
- 6.3%
- Unemployed (of the labor force)
- 4.4%
- Adults 25+ with a bachelor's degree
- 40.0%
- Adjusted gross income per tax return, 2022
- $78,1798,400 returns; wages 59% 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 32407?
FHFA's house price index for 32407, built from repeat sales and appraisals of the same homes, rose 100% from 2015 to 2025 and rose 37% from 2020 to 2025, and moved +1.2% in 2025.
- Median home value (owners' estimate)
- $404,200
- Median gross rent
- $1,840
- Homes owned by their occupants
- 56.4%
- Housing units
- 12,275
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 32407?
664 business establishments had a location in this ZIP code in 2023, 156 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade114
- Accommodation and food services101
- Professional, scientific, and technical services69
- Real estate and rental and leasing68
- Other services (except public administration)57
- Health care and social assistance49
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 32407?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 32408 | Panama City | 18,832 | $81k | 3.6 mi |
| 32405 | Panama City | 29,984 | $73k | 7.3 mi |
| 32413 | Panama City Beach | 15,453 | $80k | 9.4 mi |
| 32409 | Panama City | 11,113 | $65k | 10.9 mi |
| 32444 | Lynn Haven | 21,459 | $83k | 8.8 mi (near) |
| 32401 | Panama City | 18,947 | $53k | 9.5 mi (near) |
| 32404 | Panama City | 42,514 | $75k | 16.9 mi (near) |
| 32461 | Inlet Beach | 3,757 | $146k | 17.5 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.