32404 ZIP Code
Panama City, Florida
December 15, 2025
| ZIP Code: | 32404 |
| City/Town: | Panama City |
| County: | Bay |
| State: | Florida |
| ZIP Type: | Standard |
| Population: | 40,969 |
| Median Household Income: | $66,230 |
| Per Capita Income: | $34,332 |
| Total Housing Units: | 17,389 |
| Median Home Value: | $211,100 |
| Land Area: | 135.0 sq miles
349.8 sq km |
| Water Area: | 19.0 sq miles
49.3 sq km |
| Coordinates: | 30.1850, -85.5074 |
Population Information (32404 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 40,969 | -- | -- |
| Male: | 21,555 | 52.6% | 49.6% |
| Female: | 19,414 | 47.4% | 50.4% |
| Median Age: | 38.3 yrs | -- | 38.5 yrs |
| Under 5 years: | 2,518 | 6.1% | 5.7% |
| 5 to 9 years: | 2,436 | 5.9% | 6.0% |
| 10 to 14 years: | 2,503 | 6.1% | 6.5% |
| 15 to 19 years: | 2,363 | 5.8% | 6.6% |
| 20 to 24 years: | 2,300 | 5.6% | 6.7% |
| 25 to 34 years: | 6,190 | 15.1% | 13.7% |
| 35 to 44 years: | 5,660 | 13.8% | 12.9% |
| 45 to 54 years: | 4,360 | 10.6% | 12.4% |
| 55 to 59 years: | 2,767 | 6.8% | 6.5% |
| 60 to 64 years: | 3,642 | 8.9% | 6.4% |
| 65 to 74 years: | 3,718 | 9.1% | 9.7% |
| 75 to 84 years: | 1,785 | 4.4% | 4.8% |
| 85 years and over: | 727 | 1.8% | 2.0% |
Housing Information (32404 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $211,100 | -- | $281,900 |
| Median rooms: | 5.6 | -- | 5.5 |
| Median rent: | $1,259 / mo. | -- | $1,268 / mo. |
| Total housing units: | 17,389 | -- | -- |
| Occupied housing units: | 15,041 | 86.5% | 38.0% |
| Vacant housing units: | 2,348 | 13.5% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 10,813 | 71.9% | 64.8% |
| Renter-occupied: | 4,228 | 28.1% | 35.2% |
Educational Attainment (32404 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 28,849 | -- | -- |
| Less than 9th grade: | 1,166 | 4.0% | 4.7% |
| 9th to 12th grade, no diploma: | 2,630 | 9.1% | 6.1% |
| High school graduate: | 9,762 | 33.8% | 26.4% |
| Some college, no degree: | 6,758 | 23.4% | 19.7% |
| Associate degree: | 3,119 | 10.8% | 8.7% |
| Bachelor's degree: | 3,569 | 12.4% | 20.9% |
| Graduate or professional degree: | 1,845 | 6.4% | 13.7% |
| Percent high school graduate or higher: | -- | 86.8% | 89.1% |
| Percent bachelor's degree or higher: | -- | 18.8% | 34.3% |
Income Information (32404 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $66,230 / yr. | $75,149 / yr. |
| Mean household income: | $81,852 / yr. | $105,833 / yr. |
| Median family income: | $75,699 / yr. | $92,646 / yr. |
| Per capita income: | $34,332 / yr. | $41,261 / yr. |
Employment (32404 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 20,072 | -- | 63.5% |
| Employed: | 18,342 | 96.0% | 96.4% |
| Unemployed: | 772 | 4.0% | 5.3% |
| Not in labor force: | 12,861 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 14,257 | 77.7% | 79.7% |
| Government workers: | 3,183 | 17.4% | 14.2% |
| Self-employed: | 844 | 4.6% | 5.9% |
| Unpaid family workers: | 58 | 0.3% | 0.1% |
Race & Ethnicity (32404 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 30,240 | 73.8% | 61.6% |
| Black or African American: | 5,233 | 12.8% | 12.4% |
| American Indian/Alaska Native: | 84 | 0.2% | 1.1% |
| Asian: | 1,226 | 3.0% | 6.0% |
| Native Hawaiian/Pacific Islander: | 145 | 0.4% | 0.2% |
| Some other race: | 883 | 2.2% | 8.4% |
| Two or more races: | 3,158 | 7.7% | 10.2% |
| Hispanic or Latino (any race): | 2,029 | 5.0% | 18.7% |
| Mexican: | 3,020 | 7.4% | 11.2% |
| Puerto Rican: | 887 | 2.2% | 1.8% |
| Cuban: | 859 | 2.1% | 0.7% |
| Other Hispanic or Latino: | 267 | 0.7% | 5.0% |
| Not Hispanic or Latino: | 1,007 | 2.5% | 81.1% |
Income Distribution (32404 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 529 | 3.5% | 4.9% |
| $10,000 to $14,999: | 325 | 2.2% | 3.8% |
| $15,000 to $24,999: | 1,056 | 7.0% | 7.0% |
| $25,000 to $34,999: | 808 | 5.4% | 7.4% |
| $35,000 to $49,999: | 1,963 | 13.1% | 10.7% |
| $50,000 to $74,999: | 3,977 | 26.4% | 16.1% |
| $75,000 to $99,999: | 2,578 | 17.1% | 12.8% |
| $100,000 to $149,999: | 2,484 | 16.5% | 17.1% |
| $150,000 to $199,999: | 621 | 4.1% | 8.8% |
| $200,000 or more: | 700 | 4.7% | 11.4% |
Commute to Work (32404 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 15,066 | 82.1% | 67.8% |
| Carpooled: | 2,320 | 12.6% | 8.7% |
| Public transportation: | 52 | 0.3% | 4.2% |
| Walked: | 223 | 1.2% | 2.5% |
| Other means: | 193 | 1.1% | 0.9% |
| Worked from home: | 1,073 | 5.8% | 13.8% |
| Mean travel time to work: | 27.3 min | -- | 26.7 min |
Industry (32404 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 66 | 0.4% | 1.6% |
| Construction: | 1,510 | 8.2% | 6.9% |
| Manufacturing: | 1,425 | 7.8% | 10.0% |
| Wholesale trade: | 501 | 2.7% | 2.4% |
| Retail trade: | 2,697 | 14.7% | 11.0% |
| Transportation, warehousing, utilities: | 981 | 5.3% | 5.8% |
| Information: | 237 | 1.3% | 1.9% |
| Finance, insurance, real estate: | 977 | 5.3% | 6.7% |
| Professional, scientific, management: | 2,176 | 11.9% | 12.1% |
| Education, health care, social services: | 2,934 | 16.0% | 23.3% |
| Arts, entertainment, food services: | 1,642 | 9.0% | 9.0% |
| Other services: | 1,496 | 8.2% | 4.7% |
| Public administration: | 1,700 | 9.3% | 4.7% |
Poverty Status (32404 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 9.7% | 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 (32404 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 33,620 | 82.1% | 91.3% |
| Private health insurance: | 25,520 | 62.3% | 67.6% |
| Public health coverage: | 14,702 | 35.9% | 35.9% |
| Without health insurance: | 5,468 | 13.3% | 8.7% |
Benefits & Assistance (32404 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 12,314 | 81.9% | 77.4% |
| Social Security income: | 4,716 | 31.4% | 31.0% |
| Retirement income: | 4,211 | 28.0% | 21.8% |
| Supplemental Security Income (SSI): | 848 | 5.6% | 4.5% |
| Cash public assistance income: | 454 | 3.0% | 1.8% |
| SNAP (food stamps) benefits: | 2,190 | 14.6% | 11.4% |
Housing Types (32404 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 11,239 | 64.6% | 61.4% |
| 1-unit, attached: | 555 | 3.2% | 6.1% |
| 2 units: | 380 | 2.2% | 3.4% |
| 3 or 4 units: | 1,221 | 7.0% | 4.3% |
| 5 to 9 units: | 345 | 2.0% | 4.6% |
| 10 to 19 units: | 149 | 0.9% | 4.3% |
| 20 or more units: | 588 | 3.4% | 9.9% |
| Mobile home: | 2,836 | 16.3% | 5.8% |
| Boat, RV, van, etc.: | 76 | 0.4% | 0.1% |
Year Structure Built (32404 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 241 | 1.4% | 0.6% |
| Built 2010 to 2019: | 2,162 | 12.4% | 8.2% |
| Built 2000 to 2009: | 3,094 | 17.8% | 13.5% |
| Built 1990 to 1999: | 3,451 | 19.8% | 13.2% |
| Built 1980 to 1989: | 3,991 | 23.0% | 13.2% |
| Built 1970 to 1979: | 2,762 | 15.9% | 14.6% |
| Built 1960 to 1969: | 1,018 | 5.9% | 10.2% |
| Built 1950 to 1959: | 484 | 2.8% | 9.9% |
| Built 1940 to 1949: | 135 | 0.8% | 4.6% |
| Built 1939 or earlier: | 51 | 0.3% | 12.0% |
Bedrooms (32404 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 360 | 2.1% | 2.4% |
| 1 bedroom: | 981 | 5.6% | 3.0% |
| 2 bedrooms: | 3,048 | 17.5% | 9.1% |
| 3 bedrooms: | 9,482 | 54.5% | 15.9% |
| 4 bedrooms: | 3,206 | 18.4% | 18.8% |
| 5 or more bedrooms: | 312 | 1.8% | 17.6% |
Heating Fuel (32404 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 1,101 | 7.3% | 47.1% |
| Bottled, tank, or LP gas: | 110 | 0.7% | 4.9% |
| Electricity: | 13,556 | 90.1% | 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: | 127 | 0.8% | 0.1% |
| Other fuel: | 0 | 0.0% | 0.5% |
| No fuel used: | 147 | 1.0% | 0.2% |
Vehicles Available (32404 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 258 | 1.7% | 8.3% |
| 1 vehicle available: | 4,149 | 27.6% | 32.6% |
| 2 vehicles available: | 6,616 | 44.0% | 37.0% |
| 3 or more vehicles available: | 4,018 | 26.7% | 22.1% |
Home Value Distribution (32404 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 596 | 5.5% | 5.7% |
| $50,000 to $99,999: | 1,260 | 11.7% | 7.8% |
| $100,000 to $149,999: | 1,276 | 11.8% | 9.2% |
| $150,000 to $199,999: | 1,957 | 18.1% | 10.8% |
| $200,000 to $299,999: | 3,151 | 29.1% | 19.9% |
| $300,000 to $499,999: | 2,131 | 19.7% | 24.1% |
| $500,000 to $999,999: | 389 | 3.6% | 17.0% |
| $1,000,000 or more: | 53 | 0.5% | 5.6% |
Housing Costs (32404 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,495 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $475 / mo. | $584 / mo. |
| Median gross rent: | $1,259 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.71 | 2.53 |
| Average household size (renter-occupied): | 2.53 | 2.38 |
Households (32404 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 15,041 | -- | -- |
| Married-couple households: | 8,008 | 53.2% | 47.5% |
| Cohabiting couple households: | 2,943 | 19.6% | 7.0% |
| Male householder, no spouse: | 2,939 | 19.5% | 5.4% |
| Female householder, no spouse: | 2,814 | 18.7% | 12.7% |
| Householder living alone: | 5,070 | 33.7% | 28.6% |
| 65 years and over living alone: | 4,357 | 29.0% | 11.8% |
| Average household size: | 2.66 | -- | 2.53 |
| Average family size: | 3.12 | -- | -- |
Marital Status (32404 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 17,920 | -- | -- |
| Never married: | 6,139 | 34.3% | 37.0% |
| Now married: | 8,934 | 49.9% | 49.5% |
| Separated: | 194 | 1.1% | 1.5% |
| Widowed: | 2,265 | 12.6% | 2.6% |
| Divorced: | 3,756 | 21.0% | 9.3% |
School Enrollment (32404 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 9,074 | -- | -- |
| Nursery school, preschool: | 664 | 7.3% | 5.8% |
| Kindergarten: | 483 | 5.3% | 5.0% |
| Elementary school (grades 1-8): | 3,903 | 43.0% | 40.5% |
| High school (grades 9-12): | 2,132 | 23.5% | 21.4% |
| College or graduate school: | 1,892 | 20.9% | 27.3% |
Veterans & Disability (32404 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 30,941 | -- | -- |
| Veterans: | 5,333 | 17.2% | 6.3% |
| Civilian noninstitutionalized population: | 39,088 | -- | -- |
| With a disability: | 6,938 | 17.7% | 13.4% |
| Under 18 with disability: | 530 | 7.6% | 5.8% |
| 18 to 64 with disability: | 4,105 | 59.2% | 10.4% |
| 65 and over with disability: | 2,303 | 33.2% | 33.4% |
Mobility (Residence 1 Year Ago) (32404 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 32,027 | 78.2% | 86.9% |
| Different house: | 8,370 | 20.4% | 13.1% |
| Same county: | 3,772 | 45.1% | 7.0% |
| Different county: | 4,317 | 51.6% | 3.2% |
| Different state: | 2,824 | 33.7% | 2.5% |
| Abroad: | 281 | 3.4% | 0.4% |
Place of Birth (32404 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 38,256 | 93.4% | 86.2% |
| Foreign born: | 1,368 | 3.3% | 13.9% |
| Naturalized citizen: | 2,713 | 198.3% | 52.7% |
| Not a citizen: | 2,713 | 198.3% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 2,713 | 198.3% | 10.5% |
| Asia: | 272 | 19.9% | 31.3% |
| Africa: | 71 | 5.2% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 1,471 | 107.5% | 50.0% |
| Northern America: | 24 | 1.8% | 2.2% |
Language Spoken at Home (32404 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 38,451 | -- | -- |
| English only: | 35,040 | 91.1% | 78.3% |
| Language other than English: | 3,411 | 8.9% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 1,792 | 4.7% | 13.3% |
| Other Indo-European languages: | 432 | 1.1% | 3.5% |
| Asian/Pacific Island languages: | 1,118 | 2.9% | 3.5% |
| Other languages: | 69 | 0.2% | 1.0% |
Computers & Internet (32404 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 15,041 | 100.0% | 93.1% |
| Households with broadband internet: | 14,391 | 95.7% | 89.4% |
Panama City, FL32404