PlainZIP

Panama City Beach, FL · standard

ZIP Code 32413

Bay County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

13,128
69/sq mi
$80,039
Median income
$441,300
Median home value
36.8%
Bachelor's or higher

The verdict

Panama City Beach pairs an above-median household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 38%
household income, US ZIPs
Top 17%
home value, US ZIPs
69
people per sq mi
70%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32413 against every reporting US ZIP.

ZIP code 32413 is a mid-sized community (a standard USPS delivery area) in Panama City Beach, Bay County, Florida, home to 13,128 residents across 189.2 square miles, a density of 69 people per square mile, in the Chicago time zone.

ZIP 32413 lands in the middle-income range, with a median household income of $80,039 (4% above the Florida average), while per-capita income is $56,820. The poverty rate stands at 9.7% and the unemployment rate at 4.0%. On housing, the median home value is $441,300 (18% above the state average) with median rent at $1,702 per month, and 70.2% of occupied units are owner-occupied.

A solid share of residents have a four-year degree: 36.8% of adults hold a bachelor's degree or higher, the median age is 53, and the average commute is 21 minutes. Beyond these figures, 3 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Bay County, letting you compare 32413 to its immediate surroundings rather than a national baseline alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 32413

Top 5 sectors by establishment count in Panama City Beach, FL

Which industries have the most business establishments in ZIP 32413.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 32413, Panama City Beach, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

13,128

Population

189.2

Area (sq mi)

69

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 32413?

53.0

Median Age

49.2%

Male

50.8%

Female

8.3%

Foreign-Born

White 87.2%
African American 0.9%
Asian 0.6%
American Indian or Alaska Native 0.4%
Native Hawaiian or Pacific Islander 0.1%
Two or More Ethnicities 7.5%
Hispanic or Latino 9.1%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$80,039

Median Household Income

+4% vs state

$56,820

Per Capita Income

9.7%

Poverty Rate

4.0%

Unemployment Rate

20.6 min

Mean Commute Time

How ZIP 32413 ranks nationally

Panama City Beach, FL household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$80,039 Top 38% higher than 62% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 59.1%
Bachelor's Degree or Higher 36.8%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

16,908

Total Housing Units

7,534

Occupied Units

9,374

Vacant Units

2.05

Avg Household Size

Occupancy Type

Owner 70.2%
Renter 29.8%

$441,300

Median Home Value

+18% vs state

$1,702

Median Rent

1999

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

-5.0%

YoY Change (2024)

431

HPI Index (2000 = 100)

+331%

Total Change Since 2000

Home values in ZIP 32413 have decreased 5.0% over the past year (2024). Since 2000, this ZIP has seen +331% cumulative appreciation.

Year Annual Change HPI Index
2020 +8.7% 275
2021 +17.5% 323
2022 +27.0% 410
2023 +10.6% 454
2024 -5.0% 431

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 712 business establishments in ZIP 32413, employing approximately 7,951 people with a combined annual payroll of $351,803,000.

712

Businesses

7,951

Employees

$351.8M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Retail trade 148 20.8%
Accommodation and food services 122 17.1%
Construction 92 12.9%
Real estate and rental and leasing 76 10.7%
Professional, scientific, and technical services 60 8.4%
Administrative and support and waste management and remediation services 43 6.0%
Other services (except public administration) 42 5.9%
Health care and social assistance 27 3.8%
Wholesale trade 25 3.5%
Finance and insurance 25 3.5%
Arts, entertainment, and recreation 15 2.1%
Information 10 1.4%
Manufacturing 8 1.1%
Transportation and warehousing 8 1.1%
Educational services 4 0.6%
Agriculture, forestry, fishing and hunting 3 0.4%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 32413 vs 32437 →

ZIP 32413 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 32413 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 32413 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 32413 ranks #3 of 4 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
32437 Ebro, FL 679 8.2 mi
32461 Inlet Beach, FL 13 7.3 mi
32407 Panama City Beach, FL 9,347 10.5 mi

More ZIP Codes in Bay County

32404 standard
Panama City, FL
Pop: 38,425
32405 standard
Panama City, FL
Pop: 29,980
32401 standard
Panama City, FL
Pop: 22,647
32444 standard
Lynn Haven, FL
Pop: 18,985
32408 standard
Panama City, FL
Pop: 15,352
32407 standard
Panama City Beach, FL
Pop: 9,347

Related Areas

Bay County Panama City Beach, FL Florida

Frequently Asked Questions

What county is ZIP code 32413 in? ▼
ZIP code 32413 (Panama City Beach) is located in Bay County, Florida. Bay County contains multiple ZIP codes, see the full list at /counties/bay-fl.
What is the population of ZIP code 32413? ▼
ZIP code 32413 in Panama City Beach, FL has a population of 13,128 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32413? ▼
The median household income in ZIP 32413 is $80,039, which is 5% above the national average of $76,288.
What is the average home value in ZIP 32413? ▼
The median home value in ZIP 32413 is $441,300, which is 59% above the national average of $278,155.
What is the demographic makeup of ZIP 32413? ▼
The largest racial group in ZIP 32413 is White at 87.2%. Hispanic or Latino residents make up 9.1% of the population.
How many businesses are in ZIP code 32413? ▼
ZIP code 32413 has 712 business establishments employing approximately 7,951 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32413? ▼
The top industries by establishment count in ZIP 32413 are: Retail trade (148), Accommodation and food services (122), Construction (92). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 32413? ▼
According to the FHFA House Price Index, home values in ZIP 32413 decreased by 5.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 331%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 32413? ▼
In ZIP code 32413, 59.1% of residents aged 25+ have a high school diploma or higher, and 36.8% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 32413? ▼
The mean commute time for workers in ZIP code 32413 is 20.6 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 32413? ▼
In ZIP code 32413, approximately 70.2% of occupied housing units are owner-occupied and 29.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32413? ▼
The poverty rate in ZIP code 32413 is 9.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.