Zip Code 32404
Panama City, Florida — Bay County
📍 ZIP code 32404 is in Panama City, Bay County, Florida.
ZIP code 32404 is located in Panama City, Bay County, Florida. It is a zip code in the Eastern (EST/EDT) Time Zone with an estimated population of 42,117. The area code for ZIP code 32404 is 850.
Quick Answer
Zip code 32404 is in Panama City, Florida (Bay County). It has a population of 42,117, median household income of $72,208, and median home value of $239,700.
Population
42,117
Income
$72,208
Home Value
$239,700
Climate
91°F / 43°F
About Zip Code 32404
Zip code 32404 is located in Panama City, Florida, within Bay County. Home to approximately 42,117 residents, this area sits at an elevation of 52 ft and falls within the Eastern (EST/EDT) timezone. The local area code is 850.
The median household income is $72,208 per year, which is above the national median of $70,784. Homes in this zip code have a median value of $239,700, and the cost of living index is 81 (19% below the national average of 100).
Summers average a high of 91°F while winters drop to 43°F. The area receives about 61 in of rain annually. The zip code covers 128.9 square miles of land area and 18.5 square miles of water.
Key Statistics
42,117
$72,208
$239,700
Eastern (EST/EDT)
850
52 ft
128.9 sq mi
38.1
18,053
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Compare With Nearby Zip Codes
| Metric | 32404 | 32444 | 32405 | 32401 | 32403 | 32466 |
|---|---|---|---|---|---|---|
| City | Panama City, FL | Lynn Haven, FL | Panama City, FL | Panama City, FL | Panama City, FL | Panama City, FL |
| Population | 42,117 | 20,102 | 29,336 | 18,394 | 379 | 5,837 |
| Median Income | $72,208 | $89,508 | $71,002 | $49,901 | $61,500 | $64,699 |
| Home Value | $239,700 | $292,700 | $255,100 | $207,000 | $0 | $166,500 |
| Cost of Living | 81 | 103 | 86 | 62 | 108 | 68 |
| Median Age | 38.1 | 38 | 36.5 | 42.6 | 21.7 | 38.8 |
Cost of Living
100 = National Average. Panama City's cost of living is 19% below the national average.
vs. State Avg
Below
Affordability
Affordable
Income-to-Home
3.3x
Demographics
Zip code 32404 has a population of 42,117 people with a median age of 38.1. There are 18,053 housing units in this area.
Racial & Ethnic Composition
Source: U.S. Census Bureau American Community Survey estimates.
Population History
Panama City (32404) population trend from 2010 to 2024
↓ -37.0%Source: U.S. Census Bureau estimates and American Community Survey data.
Climate & Weather
91°F
43°F
61 in
0 in
Panama City experiences hot summers with average highs around 91°F. Winters are mild with lows averaging 43°F. The area receives virtually no snowfall.
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Housing & Economy
Median Home Value
$239,700
Median Household Income
$72,208
With 18,053 housing units across 128.9 square miles, 32404 has a housing density of 140 units per square mile. The home price-to-income ratio is 3.3x.
Location & Geography
Latitude
30.2046°
Longitude
-85.5017°
Land Area
128.9 sq mi
Water Area
18.5 sq mi
Nearby Zip Codes
Zip codes closest to 32404 (Panama City, FL) with distances:
All Zip Codes in Panama City, FL
Other zip codes serving Panama City:
ZIP Codes with Similar Income Nationwide
The five U.S. ZIP codes whose median household income is closest to 32404's $72,208. A way to compare Panama City to economically similar communities elsewhere in the country.
Computed from U.S. Census Bureau ACS 5-Year Estimates by the Zip Code Near Me Data Team.
ZIP Codes with Similar Demographics
The five U.S. ZIP codes whose racial and ethnic composition most closely matches 32404 (Panama City, FL). Similarity is measured by cosine distance on the five-category ACS demographic vector.
Computed from U.S. Census Bureau ACS 5-Year Estimates by the Zip Code Near Me Data Team.
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People Also Ask
What zip code is Panama City, Florida?
Panama City, Florida uses zip code 32404 along with 6 other zip codes.
What county is zip code 32404 in?
Zip code 32404 is located in Bay County, Florida.
What is the population of zip code 32404?
The population of zip code 32404 is 42,117 with a median age of 38.1.
Is 32404 in Panama City, Florida?
Yes, zip code 32404 is in Panama City, Bay County, Florida. The area code is 850.
Frequently Asked Questions
What city is zip code 32404 in?
Zip code 32404 is in Panama City, Florida. It is part of Bay County and uses the Eastern (EST/EDT) timezone.
What is zip code 32404?
Zip code 32404 is a U.S. postal code in Panama City, Florida (Bay County). It has a population of 42,117 and covers 128.9 square miles.
What is the population of zip code 32404?
The population of zip code 32404 (Panama City, FL) is 42,117 with a median age of 38.1. There are approximately 18,053 housing units in this area.
What is the median income in zip code 32404?
The median household income in zip code 32404 (Panama City, FL) is $72,208 per year. The cost of living index is 81 (100 = national average).
What is the average home price in zip code 32404?
The median home value in zip code 32404 (Panama City, FL) is $239,700. The cost of living index is 81 compared to the national average of 100.
What county is zip code 32404 in?
Zip code 32404 is located in Bay County, Florida. The primary city is Panama City.
What is the area code for zip code 32404?
Zip code 32404 in Panama City, FL uses area code 850. It is located in the Eastern (EST/EDT) timezone.
Is zip code 32404 a good place to live?
Zip code 32404 (Panama City, FL) has a cost of living index of 81 (100 = national average), a median household income of $72,208, and median home values of $239,700. The median age is 38.1. Visit the full page for demographics, climate, and nearby zip code comparisons.
What is the cost of living in zip code 32404?
The cost of living index for zip code 32404 (Panama City, FL) is 81, where 100 represents the national average. This area is below the national average. Median home value: $239,700.
What schools serve zip code 32404?
Zip code 32404 in Panama City, Florida is served by the local school district of Bay County. For specific school information, check your state's department of education or GreatSchools.org.
All demographic data on this page is sourced from the U.S. Census Bureau American Community Survey (ACS) 5-Year Estimates. ZIP code boundary and delivery data is sourced from the United States Postal Service (USPS). Data is updated periodically and may not reflect the most current figures. Census Bureau ZIP Code Tabulation Areas (ZCTAs) may differ slightly from USPS ZIP code boundaries.
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Data Sources
- Population, income, housing, age, and demographics
- U.S. Census Bureau, American Community Survey 5-Year Estimates, 2019-2023 vintage.
- ZIP to city and county mapping
- USPS and HUD-USPS ZIP-County Crosswalk.
- Time zones and area codes
- IANA tz database and NANPA.
- Elevation
- U.S. Geological Survey National Elevation Dataset (NED), via the USGS Elevation Point Query Service. Mapped to each ZCTA centroid coordinates. Last refreshed 2026-05-19.
- Last refreshed
- 2026-05-18.