Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 41.1 yrs |
|---|---|
| Avg HH Size | 2.38 |
| Below Poverty | 11.4% ▲ 14% above avg |
| College Grads | 40.9% ≈ Avg |
| Unemployment | 3.5% ▼ 28% below avg |
| No HS Diploma | 1,750 (1.4%) |
| HS Graduate | 31,633 (26.2%) |
| Some College | 18,263 (15.1%) |
| Associates | 19,260 (15.9%) |
| Bachelors | 15,064 (12.5%) |
| Graduate Degree | 34,922 (28.9%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $70,804 ≈ Avg |
|---|---|
| Median Home Value | $276,166 ≈ Avg |
| Home/Income Ratio | 3.9x (nat avg ~3.5x) |
| Median Rent | $1,402/mo |
| Total Housing Units | 105,996 |
| Vacant Units | 29,949 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Bay County is located in Florida and encompasses 17 ZIP codes spanning 6 cities and communities. The county has an estimated population of 181,443 residents. With a median age of 41.07, it is a middle-aged county.
Bay County has a solidly middle-class economic profile. The median household income of $70,803 is near the national average. Unemployment stands at 3.5%, below the national average. The poverty rate of 11.4% is above the national average.
Housing in Bay County is a mid-range housing market, with a median home value of $276,166 — near the national average. Monthly median rent is approximately $1,401. Homeownership rates are high at 68.7%, reflecting a largely residential, stable population.
The residents of Bay County are primarily White (73.6%). Educational attainment is well-educated — 40.9% of adults hold a bachelor's degree or higher, near the national average.
Bay County, FL is a solidly middle-class area in Florida. The 17 ZIP codes within the county each have their own character — browse the full list below to find the right community, whether you're looking for affordable housing, strong schools, or economic opportunity.
| ZIP | City | Population | Median Income | Median Home | Median Rent | Unemp. | College |
|---|---|---|---|---|---|---|---|
| 32438 | Fountain | 4,839 | $42,417 | $127,900 | $725 | 4.6% | 24.1% |
| 32444 | Lynn Haven | 20,102 | $89,508 | $292,700 | $1,494 | 2.9% | 46.7% |
| 32410 | Mexico Beach | 499 | $63,125 | $362,900 | $2,049 | 18.4% | 55.1% |
| 32401 | Panama City | 18,394 | $49,901 | $207,000 | $1,194 | 5.2% | 31.5% |
| 32403 | Panama City | 379 | $61,500 | — | $1,955 | 0.9% | 47.0% |
| 32404 | Panama City | 42,117 | $72,208 | $239,700 | $1,355 | 3.1% | 35.0% |
| 32405 | Panama City | 29,336 | $71,002 | $255,100 | $1,418 | 2.6% | 42.4% |
| 32408 | Panama City | 18,326 | $72,322 | $352,400 | $1,453 | 3.9% | 52.5% |
| 32409 | Panama City | 10,941 | $60,687 | $221,500 | $1,097 | 5.8% | 35.4% |
| 32407 | Panama City Beach | 15,459 | $79,052 | $403,500 | $1,792 | 2.9% | 51.2% |
| 32413 | Panama City Beach | 15,214 | $76,010 | $384,000 | $1,629 | 2.5% | 49.7% |
| 32466 | Youngstown | 5,837 | $64,699 | $166,500 | $1,248 | 4.9% | 22.9% |