| ZIP Code | 32401 |
|---|---|
| City | Panama City |
| State | Florida (FL) |
| County | Bay County |
| Area Code | 448/850 |
| Elevation | 5 ft |
| Latitude | 30.158374 |
|---|---|
| Longitude | -85.637996 |
| Timezone | New York (DST) |
| FIPS | 12005 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 42.6 yrs ↑ 7% since 2019 |
|---|---|
| Avg Household Size | 2.06 |
| Below Poverty | 16.1% ▲ 61% above avg |
| College Grads | 31.5% ▼ 19% below avg |
| Unemployment | 5.2% ≈ Avg |
| No HS Diploma | 306 (2.5%) |
| HS Graduate | 4,073 (33.2%) |
| Some College | 2,014 (16.4%) |
| Associates | 2,020 (16.5%) |
| Bachelors | 1,199 (9.8%) |
| Graduate Degree | 2,662 (21.7%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $49,901 ▼ 35% below avg ↑ 27% since 2019 |
|---|---|
| Median Home Value | $207,000 ▼ 26% below avg ↑ 63% since 2019 |
| Home/Income Ratio | 4.1x (nat avg ~3.5x) |
| Median Rent | $1,194/mo ↑ 35% since 2019 |
| Total Units | 10,239 |
| Vacant Units | 1,468 |
| Avg HH Size | 2.06 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 10,239 |
|---|---|
| Vacant | 1,468 |
| Owner Occupied | 58.9% |
| Renter Occupied | 41.1% |
| Avg HH Size | 2.06 |
ZIP code 32401 is located in Panama City, Florida, within Bay County. With a population of 18,394, this is a moderately populated ZIP code with a middle-aged community — the median age is 42.6 years. Economically, 32401 is a working-class ZIP code: the median household income of $49,901 is below the national average.
Real estate in ZIP code 32401 represents an affordable housing market. The median home value of $207,000 is below the national average. Renters can expect to pay around $1,194 per month in median rent. The area has a relatively balanced mix of owners (58.9%) and renters (41.1%). Median home values have increased by 63% since 2019.
The population of 32401 is majority White (60.26%). Residents are moderately educated — 31.5% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 16.1%. Household income has grown by 27% since 2019.
The unemployment rate in 32401 stands at 5.2%, which is near the national average. As in most parts of the country, driving alone is the dominant commute mode at 71%.
Overall, ZIP code 32401 in Panama City, FL is characterized as working-class, moderately educated, and a middle-aged community. With 18,394 residents, a median household income of $49,901, and a median home value of $207,000, it offers a clear picture of life in this part of Florida.