| ZIP Code | 32413 |
|---|---|
| City | Panama City Beach |
| State | Florida (FL) |
| County | Bay County |
| Area Code | 448/850 |
| Elevation | 36 ft |
| Latitude | 30.305727 |
|---|---|
| Longitude | -85.886321 |
| Timezone | New York (DST) |
| FIPS | 12005 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 52.7 yrs ↑ 2% since 2019 |
|---|---|
| Avg Household Size | 2.01 |
| Below Poverty | 8.8% ▼ 12% below avg |
| College Grads | 49.7% ▲ 28% above avg |
| Unemployment | 2.5% ▼ 50% below avg |
| No HS Diploma | 135 (1.1%) |
| HS Graduate | 2,629 (22.4%) |
| Some College | 1,493 (12.7%) |
| Associates | 1,649 (14%) |
| Bachelors | 1,759 (15%) |
| Graduate Degree | 4,080 (34.7%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $76,010 ≈ Avg ↑ 13% since 2019 |
|---|---|
| Median Home Value | $384,000 ▲ 38% above avg ↑ 50% since 2019 |
| Home/Income Ratio | 5.1x (nat avg ~3.5x) |
| Median Rent | $1,629/mo ↑ 47% since 2019 |
| Total Units | 16,334 |
| Vacant Units | 8,759 |
| Avg HH Size | 2.01 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 16,334 |
|---|---|
| Vacant | 8,759 |
| Owner Occupied | 69.6% |
| Renter Occupied | 30.4% |
| Avg HH Size | 2.01 |
ZIP code 32413 is located in Panama City Beach, Florida, within Bay County. With a population of 15,214, this is a moderately populated ZIP code with a mature community — the median age is 52.7 years. Economically, 32413 is a middle-income ZIP code: the median household income of $76,010 is near the national average.
Real estate in ZIP code 32413 represents a mid-range housing market. The median home value of $384,000 is above the national average. Renters can expect to pay around $1,629 per month in median rent. Homeownership is strong here — 69.6% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 50% since 2019.
The population of 32413 is primarily White (86.73%). Residents are well-educated — 49.7% hold a bachelor's degree or higher, which is above the national average. Poverty affects a relatively small share of residents at 8.8%. Household income has grown by 13% since 2019.
The unemployment rate in 32413 stands at 2.5%, which is below the national average. About 12% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 76%.
Overall, ZIP code 32413 in Panama City Beach, FL is characterized as middle-income, well-educated, a mature community, and predominantly owner-occupied. With 15,214 residents, a median household income of $76,010, and a median home value of $384,000, it offers a clear picture of life in this part of Florida.