32401 ZIP Code
Panama City, Florida
December 15, 2025
| ZIP Code: | 32401 |
| City/Town: | Panama City |
| County: | Bay |
| State: | Florida |
| ZIP Type: | Standard |
| Population: | 18,120 |
| Median Household Income: | $46,603 |
| Per Capita Income: | $34,757 |
| Total Housing Units: | 9,945 |
| Median Home Value: | $172,200 |
| Land Area: | 12.5 sq miles
32.4 sq km |
| Water Area: | 17.6 sq miles
45.6 sq km |
| Coordinates: | 30.1584, -85.6380 |
Population Information (32401 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 18,120 | -- | -- |
| Male: | 9,015 | 49.8% | 49.6% |
| Female: | 9,105 | 50.2% | 50.4% |
| Median Age: | 45.7 yrs | -- | 38.5 yrs |
| Under 5 years: | 1,073 | 5.9% | 5.7% |
| 5 to 9 years: | 756 | 4.2% | 6.0% |
| 10 to 14 years: | 863 | 4.8% | 6.5% |
| 15 to 19 years: | 806 | 4.4% | 6.6% |
| 20 to 24 years: | 1,182 | 6.5% | 6.7% |
| 25 to 34 years: | 2,171 | 12.0% | 13.7% |
| 35 to 44 years: | 2,068 | 11.4% | 12.9% |
| 45 to 54 years: | 2,393 | 13.2% | 12.4% |
| 55 to 59 years: | 1,551 | 8.6% | 6.5% |
| 60 to 64 years: | 1,527 | 8.4% | 6.4% |
| 65 to 74 years: | 2,099 | 11.6% | 9.7% |
| 75 to 84 years: | 1,008 | 5.6% | 4.8% |
| 85 years and over: | 623 | 3.4% | 2.0% |
Housing Information (32401 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $172,200 | -- | $281,900 |
| Median rooms: | 5.2 | -- | 5.5 |
| Median rent: | $1,055 / mo. | -- | $1,268 / mo. |
| Total housing units: | 9,945 | -- | -- |
| Occupied housing units: | 8,613 | 86.6% | 38.0% |
| Vacant housing units: | 1,332 | 13.4% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 4,880 | 56.7% | 64.8% |
| Renter-occupied: | 3,733 | 43.3% | 35.2% |
Educational Attainment (32401 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 13,440 | -- | -- |
| Less than 9th grade: | 889 | 6.6% | 4.7% |
| 9th to 12th grade, no diploma: | 1,192 | 8.9% | 6.1% |
| High school graduate: | 4,560 | 33.9% | 26.4% |
| Some college, no degree: | 3,065 | 22.8% | 19.7% |
| Associate degree: | 1,128 | 8.4% | 8.7% |
| Bachelor's degree: | 1,617 | 12.0% | 20.9% |
| Graduate or professional degree: | 989 | 7.4% | 13.7% |
| Percent high school graduate or higher: | -- | 84.5% | 89.1% |
| Percent bachelor's degree or higher: | -- | 19.4% | 34.3% |
Income Information (32401 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $46,603 / yr. | $75,149 / yr. |
| Mean household income: | $66,748 / yr. | $105,833 / yr. |
| Median family income: | $57,482 / yr. | $92,646 / yr. |
| Per capita income: | $34,757 / yr. | $41,261 / yr. |
Employment (32401 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 8,771 | -- | 63.5% |
| Employed: | 8,141 | 94.0% | 96.4% |
| Unemployed: | 518 | 6.0% | 5.3% |
| Not in labor force: | 6,486 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 6,206 | 76.2% | 79.7% |
| Government workers: | 1,497 | 18.4% | 14.2% |
| Self-employed: | 421 | 5.2% | 5.9% |
| Unpaid family workers: | 17 | 0.2% | 0.1% |
Race & Ethnicity (32401 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 11,795 | 65.1% | 61.6% |
| Black or African American: | 3,963 | 21.9% | 12.4% |
| American Indian/Alaska Native: | 51 | 0.3% | 1.1% |
| Asian: | 421 | 2.3% | 6.0% |
| Native Hawaiian/Pacific Islander: | 42 | 0.2% | 0.2% |
| Some other race: | 427 | 2.4% | 8.4% |
| Two or more races: | 1,421 | 7.8% | 10.2% |
| Hispanic or Latino (any race): | 882 | 4.9% | 18.7% |
| Mexican: | 1,572 | 8.7% | 11.2% |
| Puerto Rican: | 710 | 3.9% | 1.8% |
| Cuban: | 305 | 1.7% | 0.7% |
| Other Hispanic or Latino: | 30 | 0.2% | 5.0% |
| Not Hispanic or Latino: | 527 | 2.9% | 81.1% |
Income Distribution (32401 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 704 | 8.2% | 4.9% |
| $10,000 to $14,999: | 457 | 5.3% | 3.8% |
| $15,000 to $24,999: | 1,238 | 14.4% | 7.0% |
| $25,000 to $34,999: | 469 | 5.4% | 7.4% |
| $35,000 to $49,999: | 1,694 | 19.7% | 10.7% |
| $50,000 to $74,999: | 1,987 | 23.1% | 16.1% |
| $75,000 to $99,999: | 677 | 7.9% | 12.8% |
| $100,000 to $149,999: | 842 | 9.8% | 17.1% |
| $150,000 to $199,999: | 207 | 2.4% | 8.8% |
| $200,000 or more: | 338 | 3.9% | 11.4% |
Commute to Work (32401 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 5,814 | 71.4% | 67.8% |
| Carpooled: | 1,386 | 17.0% | 8.7% |
| Public transportation: | 42 | 0.5% | 4.2% |
| Walked: | 123 | 1.5% | 2.5% |
| Other means: | 243 | 3.0% | 0.9% |
| Worked from home: | 417 | 5.1% | 13.8% |
| Mean travel time to work: | 20.7 min | -- | 26.7 min |
Industry (32401 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 116 | 1.4% | 1.6% |
| Construction: | 803 | 9.9% | 6.9% |
| Manufacturing: | 381 | 4.7% | 10.0% |
| Wholesale trade: | 225 | 2.8% | 2.4% |
| Retail trade: | 686 | 8.4% | 11.0% |
| Transportation, warehousing, utilities: | 440 | 5.4% | 5.8% |
| Information: | 87 | 1.1% | 1.9% |
| Finance, insurance, real estate: | 494 | 6.1% | 6.7% |
| Professional, scientific, management: | 1,320 | 16.2% | 12.1% |
| Education, health care, social services: | 1,662 | 20.4% | 23.3% |
| Arts, entertainment, food services: | 916 | 11.3% | 9.0% |
| Other services: | 372 | 4.6% | 4.7% |
| Public administration: | 639 | 7.8% | 4.7% |
Poverty Status (32401 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 19.3% | 8.8% |
| All people below poverty level: | -- | -- | -- |
| Under 18 years: | -- | -- | 16.3% |
| 18 to 64 years: | -- | -- | 11.0% |
| 65 years and over: | -- | -- | 10.3% |
Health Insurance (32401 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 14,407 | 79.5% | 91.3% |
| Private health insurance: | 8,802 | 48.6% | 67.6% |
| Public health coverage: | 7,757 | 42.8% | 35.9% |
| Without health insurance: | 3,269 | 18.0% | 8.7% |
Benefits & Assistance (32401 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 6,144 | 71.3% | 77.4% |
| Social Security income: | 3,383 | 39.3% | 31.0% |
| Retirement income: | 1,936 | 22.5% | 21.8% |
| Supplemental Security Income (SSI): | 509 | 5.9% | 4.5% |
| Cash public assistance income: | 318 | 3.7% | 1.8% |
| SNAP (food stamps) benefits: | 1,834 | 21.3% | 11.4% |
Housing Types (32401 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 6,269 | 63.0% | 61.4% |
| 1-unit, attached: | 519 | 5.2% | 6.1% |
| 2 units: | 510 | 5.1% | 3.4% |
| 3 or 4 units: | 515 | 5.2% | 4.3% |
| 5 to 9 units: | 402 | 4.0% | 4.6% |
| 10 to 19 units: | 306 | 3.1% | 4.3% |
| 20 or more units: | 592 | 6.0% | 9.9% |
| Mobile home: | 793 | 8.0% | 5.8% |
| Boat, RV, van, etc.: | 39 | 0.4% | 0.1% |
Year Structure Built (32401 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 21 | 0.2% | 0.6% |
| Built 2010 to 2019: | 518 | 5.2% | 8.2% |
| Built 2000 to 2009: | 1,110 | 11.2% | 13.5% |
| Built 1990 to 1999: | 797 | 8.0% | 13.2% |
| Built 1980 to 1989: | 1,061 | 10.7% | 13.2% |
| Built 1970 to 1979: | 1,007 | 10.1% | 14.6% |
| Built 1960 to 1969: | 1,076 | 10.8% | 10.2% |
| Built 1950 to 1959: | 1,693 | 17.0% | 9.9% |
| Built 1940 to 1949: | 1,727 | 17.4% | 4.6% |
| Built 1939 or earlier: | 935 | 9.4% | 12.0% |
Bedrooms (32401 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 147 | 1.5% | 2.4% |
| 1 bedroom: | 1,124 | 11.3% | 3.0% |
| 2 bedrooms: | 3,418 | 34.4% | 9.1% |
| 3 bedrooms: | 4,019 | 40.4% | 15.9% |
| 4 bedrooms: | 1,034 | 10.4% | 18.8% |
| 5 or more bedrooms: | 203 | 2.0% | 17.6% |
Heating Fuel (32401 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 707 | 8.2% | 47.1% |
| Bottled, tank, or LP gas: | 119 | 1.4% | 4.9% |
| Electricity: | 7,589 | 88.1% | 40.2% |
| Fuel oil, kerosene, etc.: | 0 | 0.0% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 0 | 0.0% | 1.5% |
| Solar energy: | 21 | 0.2% | 0.1% |
| Other fuel: | 8 | 0.1% | 0.5% |
| No fuel used: | 169 | 2.0% | 0.2% |
Vehicles Available (32401 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 668 | 7.8% | 8.3% |
| 1 vehicle available: | 4,206 | 48.8% | 32.6% |
| 2 vehicles available: | 2,601 | 30.2% | 37.0% |
| 3 or more vehicles available: | 1,138 | 13.2% | 22.1% |
Home Value Distribution (32401 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 340 | 7.0% | 5.7% |
| $50,000 to $99,999: | 956 | 19.6% | 7.8% |
| $100,000 to $149,999: | 765 | 15.7% | 9.2% |
| $150,000 to $199,999: | 863 | 17.7% | 10.8% |
| $200,000 to $299,999: | 935 | 19.2% | 19.9% |
| $300,000 to $499,999: | 570 | 11.7% | 24.1% |
| $500,000 to $999,999: | 334 | 6.8% | 17.0% |
| $1,000,000 or more: | 117 | 2.4% | 5.6% |
Housing Costs (32401 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,418 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $466 / mo. | $584 / mo. |
| Median gross rent: | $1,055 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.15 | 2.53 |
| Average household size (renter-occupied): | 1.92 | 2.38 |
Households (32401 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 8,613 | -- | -- |
| Married-couple households: | 2,389 | 27.7% | 47.5% |
| Cohabiting couple households: | 692 | 8.0% | 7.0% |
| Male householder, no spouse: | 2,093 | 24.3% | 5.4% |
| Female householder, no spouse: | 3,351 | 38.9% | 12.7% |
| Householder living alone: | 1,771 | 20.6% | 28.6% |
| 65 years and over living alone: | 2,779 | 32.3% | 11.8% |
| Average household size: | 2.05 | -- | 2.53 |
| Average family size: | 2.86 | -- | -- |
Marital Status (32401 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 7,408 | -- | -- |
| Never married: | 3,014 | 40.7% | 37.0% |
| Now married: | 2,624 | 35.4% | 49.5% |
| Separated: | 286 | 3.9% | 1.5% |
| Widowed: | 1,148 | 15.5% | 2.6% |
| Divorced: | 2,243 | 30.3% | 9.3% |
School Enrollment (32401 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 2,996 | -- | -- |
| Nursery school, preschool: | 183 | 6.1% | 5.8% |
| Kindergarten: | 228 | 7.6% | 5.0% |
| Elementary school (grades 1-8): | 1,352 | 45.1% | 40.5% |
| High school (grades 9-12): | 604 | 20.2% | 21.4% |
| College or graduate school: | 629 | 21.0% | 27.3% |
Veterans & Disability (32401 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 14,856 | -- | -- |
| Veterans: | 1,502 | 10.1% | 6.3% |
| Civilian noninstitutionalized population: | 17,676 | -- | -- |
| With a disability: | 4,422 | 25.0% | 13.4% |
| Under 18 with disability: | 369 | 8.3% | 5.8% |
| 18 to 64 with disability: | 2,598 | 58.8% | 10.4% |
| 65 and over with disability: | 1,455 | 32.9% | 33.4% |
Mobility (Residence 1 Year Ago) (32401 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 14,077 | 77.7% | 86.9% |
| Different house: | 3,909 | 21.6% | 13.1% |
| Same county: | 2,551 | 65.3% | 7.0% |
| Different county: | 1,162 | 29.7% | 3.2% |
| Different state: | 616 | 15.8% | 2.5% |
| Abroad: | 196 | 5.0% | 0.4% |
Place of Birth (32401 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 16,892 | 93.2% | 86.2% |
| Foreign born: | 459 | 2.5% | 13.9% |
| Naturalized citizen: | 1,228 | 267.5% | 52.7% |
| Not a citizen: | 1,228 | 267.5% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 1,228 | 267.5% | 10.5% |
| Asia: | 123 | 26.8% | 31.3% |
| Africa: | 0 | 0.0% | 5.5% |
| Oceania: | 7 | 1.5% | 0.5% |
| Latin America: | 762 | 166.0% | 50.0% |
| Northern America: | 55 | 12.0% | 2.2% |
Language Spoken at Home (32401 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 17,047 | -- | -- |
| English only: | 15,563 | 91.3% | 78.3% |
| Language other than English: | 1,484 | 8.7% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 958 | 5.6% | 13.3% |
| Other Indo-European languages: | 251 | 1.5% | 3.5% |
| Asian/Pacific Island languages: | 268 | 1.6% | 3.5% |
| Other languages: | 7 | 0.0% | 1.0% |
Computers & Internet (32401 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 8,613 | 100.0% | 93.1% |
| Households with broadband internet: | 7,845 | 91.1% | 89.4% |
Panama City, FL32401