32405 ZIP Code
Panama City, Florida
December 15, 2025
| ZIP Code: | 32405 |
| City/Town: | Panama City |
| County: | Bay |
| State: | Florida |
| ZIP Type: | Standard |
| Population: | 29,661 |
| Median Household Income: | $68,070 |
| Per Capita Income: | $38,637 |
| Total Housing Units: | 13,396 |
| Median Home Value: | $232,400 |
| Land Area: | 18.8 sq miles
48.7 sq km |
| Water Area: | 4.5 sq miles
11.7 sq km |
| Coordinates: | 30.1994, -85.6686 |
Population Information (32405 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 29,661 | -- | -- |
| Male: | 13,712 | 46.2% | 49.6% |
| Female: | 15,949 | 53.8% | 50.4% |
| Median Age: | 37.5 yrs | -- | 38.5 yrs |
| Under 5 years: | 1,863 | 6.3% | 5.7% |
| 5 to 9 years: | 1,999 | 6.7% | 6.0% |
| 10 to 14 years: | 1,968 | 6.6% | 6.5% |
| 15 to 19 years: | 1,878 | 6.3% | 6.6% |
| 20 to 24 years: | 1,786 | 6.0% | 6.7% |
| 25 to 34 years: | 4,459 | 15.0% | 13.7% |
| 35 to 44 years: | 3,499 | 11.8% | 12.9% |
| 45 to 54 years: | 3,578 | 12.1% | 12.4% |
| 55 to 59 years: | 1,665 | 5.6% | 6.5% |
| 60 to 64 years: | 1,500 | 5.1% | 6.4% |
| 65 to 74 years: | 3,020 | 10.2% | 9.7% |
| 75 to 84 years: | 1,733 | 5.8% | 4.8% |
| 85 years and over: | 713 | 2.4% | 2.0% |
Housing Information (32405 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $232,400 | -- | $281,900 |
| Median rooms: | 5.6 | -- | 5.5 |
| Median rent: | $1,320 / mo. | -- | $1,268 / mo. |
| Total housing units: | 13,396 | -- | -- |
| Occupied housing units: | 12,043 | 89.9% | 38.0% |
| Vacant housing units: | 1,353 | 10.1% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 7,571 | 62.9% | 64.8% |
| Renter-occupied: | 4,472 | 37.1% | 35.2% |
Educational Attainment (32405 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 20,167 | -- | -- |
| Less than 9th grade: | 594 | 2.9% | 4.7% |
| 9th to 12th grade, no diploma: | 1,029 | 5.1% | 6.1% |
| High school graduate: | 5,330 | 26.4% | 26.4% |
| Some college, no degree: | 5,102 | 25.3% | 19.7% |
| Associate degree: | 2,441 | 12.1% | 8.7% |
| Bachelor's degree: | 3,283 | 16.3% | 20.9% |
| Graduate or professional degree: | 2,388 | 11.8% | 13.7% |
| Percent high school graduate or higher: | -- | 92.0% | 89.1% |
| Percent bachelor's degree or higher: | -- | 28.1% | 34.3% |
Income Information (32405 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $68,070 / yr. | $75,149 / yr. |
| Mean household income: | $83,419 / yr. | $105,833 / yr. |
| Median family income: | $75,593 / yr. | $92,646 / yr. |
| Per capita income: | $38,637 / yr. | $41,261 / yr. |
Employment (32405 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 14,850 | -- | 63.5% |
| Employed: | 13,889 | 96.3% | 96.4% |
| Unemployed: | 539 | 3.7% | 5.3% |
| Not in labor force: | 8,604 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 10,552 | 76.0% | 79.7% |
| Government workers: | 2,292 | 16.5% | 14.2% |
| Self-employed: | 1,045 | 7.5% | 5.9% |
| Unpaid family workers: | 0 | 0.0% | 0.1% |
Race & Ethnicity (32405 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 20,436 | 68.9% | 61.6% |
| Black or African American: | 5,247 | 17.7% | 12.4% |
| American Indian/Alaska Native: | 409 | 1.4% | 1.1% |
| Asian: | 483 | 1.6% | 6.0% |
| Native Hawaiian/Pacific Islander: | 46 | 0.2% | 0.2% |
| Some other race: | 1,000 | 3.4% | 8.4% |
| Two or more races: | 2,040 | 6.9% | 10.2% |
| Hispanic or Latino (any race): | 1,666 | 5.6% | 18.7% |
| Mexican: | 2,057 | 6.9% | 11.2% |
| Puerto Rican: | 961 | 3.2% | 1.8% |
| Cuban: | 483 | 1.6% | 0.7% |
| Other Hispanic or Latino: | 25 | 0.1% | 5.0% |
| Not Hispanic or Latino: | 588 | 2.0% | 81.1% |
Income Distribution (32405 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 564 | 4.7% | 4.9% |
| $10,000 to $14,999: | 433 | 3.6% | 3.8% |
| $15,000 to $24,999: | 739 | 6.1% | 7.0% |
| $25,000 to $34,999: | 1,013 | 8.4% | 7.4% |
| $35,000 to $49,999: | 1,687 | 14.0% | 10.7% |
| $50,000 to $74,999: | 2,321 | 19.3% | 16.1% |
| $75,000 to $99,999: | 1,955 | 16.2% | 12.8% |
| $100,000 to $149,999: | 1,913 | 15.9% | 17.1% |
| $150,000 to $199,999: | 796 | 6.6% | 8.8% |
| $200,000 or more: | 622 | 5.2% | 11.4% |
Commute to Work (32405 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 11,409 | 82.1% | 67.8% |
| Carpooled: | 1,337 | 9.6% | 8.7% |
| Public transportation: | 137 | 1.0% | 4.2% |
| Walked: | 149 | 1.1% | 2.5% |
| Other means: | 116 | 0.8% | 0.9% |
| Worked from home: | 839 | 6.0% | 13.8% |
| Mean travel time to work: | 22.8 min | -- | 26.7 min |
Industry (32405 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 17 | 0.1% | 1.6% |
| Construction: | 986 | 7.1% | 6.9% |
| Manufacturing: | 665 | 4.8% | 10.0% |
| Wholesale trade: | 235 | 1.7% | 2.4% |
| Retail trade: | 2,115 | 15.2% | 11.0% |
| Transportation, warehousing, utilities: | 452 | 3.3% | 5.8% |
| Information: | 346 | 2.5% | 1.9% |
| Finance, insurance, real estate: | 670 | 4.8% | 6.7% |
| Professional, scientific, management: | 1,929 | 13.9% | 12.1% |
| Education, health care, social services: | 2,685 | 19.3% | 23.3% |
| Arts, entertainment, food services: | 1,858 | 13.4% | 9.0% |
| Other services: | 817 | 5.9% | 4.7% |
| Public administration: | 1,114 | 8.0% | 4.7% |
Poverty Status (32405 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 14.7% | 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 (32405 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 25,061 | 84.5% | 91.3% |
| Private health insurance: | 17,883 | 60.3% | 67.6% |
| Public health coverage: | 11,698 | 39.4% | 35.9% |
| Without health insurance: | 3,663 | 12.3% | 8.7% |
Benefits & Assistance (32405 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 9,172 | 76.2% | 77.4% |
| Social Security income: | 3,956 | 32.8% | 31.0% |
| Retirement income: | 3,043 | 25.3% | 21.8% |
| Supplemental Security Income (SSI): | 860 | 7.1% | 4.5% |
| Cash public assistance income: | 337 | 2.8% | 1.8% |
| SNAP (food stamps) benefits: | 1,681 | 14.0% | 11.4% |
Housing Types (32405 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 8,077 | 60.3% | 61.4% |
| 1-unit, attached: | 669 | 5.0% | 6.1% |
| 2 units: | 463 | 3.5% | 3.4% |
| 3 or 4 units: | 610 | 4.6% | 4.3% |
| 5 to 9 units: | 1,249 | 9.3% | 4.6% |
| 10 to 19 units: | 501 | 3.7% | 4.3% |
| 20 or more units: | 686 | 5.1% | 9.9% |
| Mobile home: | 1,089 | 8.1% | 5.8% |
| Boat, RV, van, etc.: | 52 | 0.4% | 0.1% |
Year Structure Built (32405 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 225 | 1.7% | 0.6% |
| Built 2010 to 2019: | 1,162 | 8.7% | 8.2% |
| Built 2000 to 2009: | 1,780 | 13.3% | 13.5% |
| Built 1990 to 1999: | 2,341 | 17.5% | 13.2% |
| Built 1980 to 1989: | 2,638 | 19.7% | 13.2% |
| Built 1970 to 1979: | 2,533 | 18.9% | 14.6% |
| Built 1960 to 1969: | 1,155 | 8.6% | 10.2% |
| Built 1950 to 1959: | 1,067 | 8.0% | 9.9% |
| Built 1940 to 1949: | 338 | 2.5% | 4.6% |
| Built 1939 or earlier: | 157 | 1.2% | 12.0% |
Bedrooms (32405 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 263 | 2.0% | 2.4% |
| 1 bedroom: | 880 | 6.6% | 3.0% |
| 2 bedrooms: | 3,245 | 24.2% | 9.1% |
| 3 bedrooms: | 6,572 | 49.1% | 15.9% |
| 4 bedrooms: | 2,151 | 16.1% | 18.8% |
| 5 or more bedrooms: | 285 | 2.1% | 17.6% |
Heating Fuel (32405 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 1,021 | 8.5% | 47.1% |
| Bottled, tank, or LP gas: | 82 | 0.7% | 4.9% |
| Electricity: | 10,670 | 88.6% | 40.2% |
| Fuel oil, kerosene, etc.: | 0 | 0.0% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 55 | 0.5% | 1.5% |
| Solar energy: | 77 | 0.6% | 0.1% |
| Other fuel: | 0 | 0.0% | 0.5% |
| No fuel used: | 138 | 1.1% | 0.2% |
Vehicles Available (32405 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 735 | 6.1% | 8.3% |
| 1 vehicle available: | 4,254 | 35.3% | 32.6% |
| 2 vehicles available: | 5,135 | 42.6% | 37.0% |
| 3 or more vehicles available: | 1,919 | 15.9% | 22.1% |
Home Value Distribution (32405 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 336 | 4.4% | 5.7% |
| $50,000 to $99,999: | 654 | 8.6% | 7.8% |
| $100,000 to $149,999: | 818 | 10.8% | 9.2% |
| $150,000 to $199,999: | 1,142 | 15.1% | 10.8% |
| $200,000 to $299,999: | 2,240 | 29.6% | 19.9% |
| $300,000 to $499,999: | 1,976 | 26.1% | 24.1% |
| $500,000 to $999,999: | 297 | 3.9% | 17.0% |
| $1,000,000 or more: | 108 | 1.4% | 5.6% |
Housing Costs (32405 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,501 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $494 / mo. | $584 / mo. |
| Median gross rent: | $1,320 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.33 | 2.53 |
| Average household size (renter-occupied): | 2.53 | 2.38 |
Households (32405 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 12,043 | -- | -- |
| Married-couple households: | 5,077 | 42.2% | 47.5% |
| Cohabiting couple households: | 1,897 | 15.8% | 7.0% |
| Male householder, no spouse: | 1,942 | 16.1% | 5.4% |
| Female householder, no spouse: | 4,162 | 34.6% | 12.7% |
| Householder living alone: | 3,683 | 30.6% | 28.6% |
| 65 years and over living alone: | 3,705 | 30.8% | 11.8% |
| Average household size: | 2.41 | -- | 2.53 |
| Average family size: | 3.00 | -- | -- |
Marital Status (32405 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 10,742 | -- | -- |
| Never married: | 2,931 | 27.3% | 37.0% |
| Now married: | 5,752 | 53.5% | 49.5% |
| Separated: | 589 | 5.5% | 1.5% |
| Widowed: | 1,283 | 11.9% | 2.6% |
| Divorced: | 3,778 | 35.2% | 9.3% |
School Enrollment (32405 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 6,901 | -- | -- |
| Nursery school, preschool: | 477 | 6.9% | 5.8% |
| Kindergarten: | 498 | 7.2% | 5.0% |
| Elementary school (grades 1-8): | 2,966 | 43.0% | 40.5% |
| High school (grades 9-12): | 1,567 | 22.7% | 21.4% |
| College or graduate school: | 1,393 | 20.2% | 27.3% |
Veterans & Disability (32405 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 22,277 | -- | -- |
| Veterans: | 2,886 | 13.0% | 6.3% |
| Civilian noninstitutionalized population: | 28,724 | -- | -- |
| With a disability: | 5,972 | 20.8% | 13.4% |
| Under 18 with disability: | 472 | 7.9% | 5.8% |
| 18 to 64 with disability: | 3,077 | 51.5% | 10.4% |
| 65 and over with disability: | 2,423 | 40.6% | 33.4% |
Mobility (Residence 1 Year Ago) (32405 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 22,315 | 75.2% | 86.9% |
| Different house: | 6,905 | 23.3% | 13.1% |
| Same county: | 3,679 | 53.3% | 7.0% |
| Different county: | 3,200 | 46.3% | 3.2% |
| Different state: | 1,095 | 15.9% | 2.5% |
| Abroad: | 26 | 0.4% | 0.4% |
Place of Birth (32405 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 27,600 | 93.1% | 86.2% |
| Foreign born: | 930 | 3.1% | 13.9% |
| Naturalized citizen: | 2,061 | 221.6% | 52.7% |
| Not a citizen: | 2,061 | 221.6% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 2,061 | 221.6% | 10.5% |
| Asia: | 293 | 31.5% | 31.3% |
| Africa: | 89 | 9.6% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 1,249 | 134.3% | 50.0% |
| Northern America: | 18 | 1.9% | 2.2% |
Language Spoken at Home (32405 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 27,798 | -- | -- |
| English only: | 24,803 | 89.2% | 78.3% |
| Language other than English: | 2,995 | 10.8% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 1,760 | 6.3% | 13.3% |
| Other Indo-European languages: | 516 | 1.9% | 3.5% |
| Asian/Pacific Island languages: | 330 | 1.2% | 3.5% |
| Other languages: | 389 | 1.4% | 1.0% |
Computers & Internet (32405 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 12,043 | 100.0% | 93.1% |
| Households with broadband internet: | 11,505 | 95.5% | 89.4% |
Panama City, FL32405