32407 ZIP Code
Panama City Beach, Florida
December 16, 2025
| ZIP Code: | 32407 |
| City/Town: | Panama City Beach |
| County: | Bay |
| State: | Florida |
| ZIP Type: | Standard |
| Population: | 14,710 |
| Median Household Income: | $75,093 |
| Per Capita Income: | $40,323 |
| Total Housing Units: | 11,893 |
| Median Home Value: | $334,000 |
| Land Area: | 14.9 sq miles
38.6 sq km |
| Water Area: | 3.4 sq miles
8.7 sq km |
| Coordinates: | 30.1983, -85.7907 |
Population Information (32407 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 14,710 | -- | -- |
| Male: | 7,222 | 49.1% | 49.6% |
| Female: | 7,488 | 50.9% | 50.4% |
| Median Age: | 39.0 yrs | -- | 38.5 yrs |
| Under 5 years: | 533 | 3.6% | 5.7% |
| 5 to 9 years: | 997 | 6.8% | 6.0% |
| 10 to 14 years: | 716 | 4.9% | 6.5% |
| 15 to 19 years: | 880 | 6.0% | 6.6% |
| 20 to 24 years: | 748 | 5.1% | 6.7% |
| 25 to 34 years: | 2,121 | 14.4% | 13.7% |
| 35 to 44 years: | 2,029 | 13.8% | 12.9% |
| 45 to 54 years: | 2,075 | 14.1% | 12.4% |
| 55 to 59 years: | 1,089 | 7.4% | 6.5% |
| 60 to 64 years: | 1,073 | 7.3% | 6.4% |
| 65 to 74 years: | 1,447 | 9.8% | 9.7% |
| 75 to 84 years: | 842 | 5.7% | 4.8% |
| 85 years and over: | 160 | 1.1% | 2.0% |
Housing Information (32407 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $334,000 | -- | $281,900 |
| Median rooms: | 4.2 | -- | 5.5 |
| Median rent: | $1,750 / mo. | -- | $1,268 / mo. |
| Total housing units: | 11,893 | -- | -- |
| Occupied housing units: | 6,459 | 54.3% | 38.0% |
| Vacant housing units: | 5,434 | 45.7% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 3,789 | 58.7% | 64.8% |
| Renter-occupied: | 2,670 | 41.3% | 35.2% |
Educational Attainment (32407 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 10,836 | -- | -- |
| Less than 9th grade: | 278 | 2.6% | 4.7% |
| 9th to 12th grade, no diploma: | 372 | 3.4% | 6.1% |
| High school graduate: | 2,205 | 20.3% | 26.4% |
| Some college, no degree: | 2,955 | 27.3% | 19.7% |
| Associate degree: | 1,168 | 10.8% | 8.7% |
| Bachelor's degree: | 2,356 | 21.7% | 20.9% |
| Graduate or professional degree: | 1,502 | 13.9% | 13.7% |
| Percent high school graduate or higher: | -- | 94.0% | 89.1% |
| Percent bachelor's degree or higher: | -- | 35.6% | 34.3% |
Income Information (32407 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $75,093 / yr. | $75,149 / yr. |
| Mean household income: | $104,354 / yr. | $105,833 / yr. |
| Median family income: | $87,617 / yr. | $92,646 / yr. |
| Per capita income: | $40,323 / yr. | $41,261 / yr. |
Employment (32407 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 8,322 | -- | 63.5% |
| Employed: | 7,848 | 97.7% | 96.4% |
| Unemployed: | 186 | 2.3% | 5.3% |
| Not in labor force: | 4,012 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 5,634 | 71.8% | 79.7% |
| Government workers: | 1,523 | 19.4% | 14.2% |
| Self-employed: | 651 | 8.3% | 5.9% |
| Unpaid family workers: | 40 | 0.5% | 0.1% |
Race & Ethnicity (32407 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 11,475 | 78.0% | 61.6% |
| Black or African American: | 1,548 | 10.5% | 12.4% |
| American Indian/Alaska Native: | 7 | 0.0% | 1.1% |
| Asian: | 260 | 1.8% | 6.0% |
| Native Hawaiian/Pacific Islander: | 0 | 0.0% | 0.2% |
| Some other race: | 444 | 3.0% | 8.4% |
| Two or more races: | 976 | 6.6% | 10.2% |
| Hispanic or Latino (any race): | 874 | 5.9% | 18.7% |
| Mexican: | 1,318 | 9.0% | 11.2% |
| Puerto Rican: | 451 | 3.1% | 1.8% |
| Cuban: | 448 | 3.0% | 0.7% |
| Other Hispanic or Latino: | 17 | 0.1% | 5.0% |
| Not Hispanic or Latino: | 402 | 2.7% | 81.1% |
Income Distribution (32407 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 306 | 4.7% | 4.9% |
| $10,000 to $14,999: | 73 | 1.1% | 3.8% |
| $15,000 to $24,999: | 385 | 6.0% | 7.0% |
| $25,000 to $34,999: | 478 | 7.4% | 7.4% |
| $35,000 to $49,999: | 808 | 12.5% | 10.7% |
| $50,000 to $74,999: | 1,171 | 18.1% | 16.1% |
| $75,000 to $99,999: | 822 | 12.7% | 12.8% |
| $100,000 to $149,999: | 1,026 | 15.9% | 17.1% |
| $150,000 to $199,999: | 742 | 11.5% | 8.8% |
| $200,000 or more: | 648 | 10.0% | 11.4% |
Commute to Work (32407 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 6,371 | 81.2% | 67.8% |
| Carpooled: | 647 | 8.2% | 8.7% |
| Public transportation: | 123 | 1.6% | 4.2% |
| Walked: | 151 | 1.9% | 2.5% |
| Other means: | 101 | 1.3% | 0.9% |
| Worked from home: | 660 | 8.4% | 13.8% |
| Mean travel time to work: | 19.7 min | -- | 26.7 min |
Industry (32407 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 0 | 0.0% | 1.6% |
| Construction: | 291 | 3.7% | 6.9% |
| Manufacturing: | 277 | 3.5% | 10.0% |
| Wholesale trade: | 249 | 3.2% | 2.4% |
| Retail trade: | 1,755 | 22.4% | 11.0% |
| Transportation, warehousing, utilities: | 182 | 2.3% | 5.8% |
| Information: | 94 | 1.2% | 1.9% |
| Finance, insurance, real estate: | 524 | 6.7% | 6.7% |
| Professional, scientific, management: | 818 | 10.4% | 12.1% |
| Education, health care, social services: | 1,450 | 18.5% | 23.3% |
| Arts, entertainment, food services: | 1,197 | 15.3% | 9.0% |
| Other services: | 201 | 2.6% | 4.7% |
| Public administration: | 810 | 10.3% | 4.7% |
Poverty Status (32407 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 7.8% | 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 (32407 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 11,949 | 81.2% | 91.3% |
| Private health insurance: | 9,431 | 64.1% | 67.6% |
| Public health coverage: | 4,801 | 32.6% | 35.9% |
| Without health insurance: | 2,439 | 16.6% | 8.7% |
Benefits & Assistance (32407 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 5,100 | 79.0% | 77.4% |
| Social Security income: | 1,891 | 29.3% | 31.0% |
| Retirement income: | 1,933 | 29.9% | 21.8% |
| Supplemental Security Income (SSI): | 225 | 3.5% | 4.5% |
| Cash public assistance income: | 154 | 2.4% | 1.8% |
| SNAP (food stamps) benefits: | 442 | 6.8% | 11.4% |
Housing Types (32407 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 3,315 | 27.9% | 61.4% |
| 1-unit, attached: | 728 | 6.1% | 6.1% |
| 2 units: | 27 | 0.2% | 3.4% |
| 3 or 4 units: | 431 | 3.6% | 4.3% |
| 5 to 9 units: | 764 | 6.4% | 4.6% |
| 10 to 19 units: | 995 | 8.4% | 4.3% |
| 20 or more units: | 5,302 | 44.6% | 9.9% |
| Mobile home: | 331 | 2.8% | 5.8% |
| Boat, RV, van, etc.: | 0 | 0.0% | 0.1% |
Year Structure Built (32407 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 188 | 1.6% | 0.6% |
| Built 2010 to 2019: | 1,747 | 14.7% | 8.2% |
| Built 2000 to 2009: | 4,543 | 38.2% | 13.5% |
| Built 1990 to 1999: | 2,406 | 20.2% | 13.2% |
| Built 1980 to 1989: | 2,152 | 18.1% | 13.2% |
| Built 1970 to 1979: | 343 | 2.9% | 14.6% |
| Built 1960 to 1969: | 197 | 1.7% | 10.2% |
| Built 1950 to 1959: | 222 | 1.9% | 9.9% |
| Built 1940 to 1949: | 95 | 0.8% | 4.6% |
| Built 1939 or earlier: | 0 | 0.0% | 12.0% |
Bedrooms (32407 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 318 | 2.7% | 2.4% |
| 1 bedroom: | 1,289 | 10.8% | 3.0% |
| 2 bedrooms: | 4,729 | 39.8% | 9.1% |
| 3 bedrooms: | 4,509 | 37.9% | 15.9% |
| 4 bedrooms: | 894 | 7.5% | 18.8% |
| 5 or more bedrooms: | 154 | 1.3% | 17.6% |
Heating Fuel (32407 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 1,161 | 18.0% | 47.1% |
| Bottled, tank, or LP gas: | 237 | 3.7% | 4.9% |
| Electricity: | 4,892 | 75.7% | 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: | 16 | 0.2% | 0.1% |
| Other fuel: | 0 | 0.0% | 0.5% |
| No fuel used: | 153 | 2.4% | 0.2% |
Vehicles Available (32407 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 262 | 4.1% | 8.3% |
| 1 vehicle available: | 2,434 | 37.7% | 32.6% |
| 2 vehicles available: | 2,672 | 41.4% | 37.0% |
| 3 or more vehicles available: | 1,091 | 16.9% | 22.1% |
Home Value Distribution (32407 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 104 | 2.7% | 5.7% |
| $50,000 to $99,999: | 90 | 2.4% | 7.8% |
| $100,000 to $149,999: | 136 | 3.6% | 9.2% |
| $150,000 to $199,999: | 253 | 6.7% | 10.8% |
| $200,000 to $299,999: | 1,010 | 26.7% | 19.9% |
| $300,000 to $499,999: | 1,627 | 42.9% | 24.1% |
| $500,000 to $999,999: | 527 | 13.9% | 17.0% |
| $1,000,000 or more: | 42 | 1.1% | 5.6% |
Housing Costs (32407 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,775 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $689 / mo. | $584 / mo. |
| Median gross rent: | $1,750 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.22 | 2.53 |
| Average household size (renter-occupied): | 2.31 | 2.38 |
Households (32407 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 6,459 | -- | -- |
| Married-couple households: | 3,185 | 49.3% | 47.5% |
| Cohabiting couple households: | 783 | 12.1% | 7.0% |
| Male householder, no spouse: | 908 | 14.1% | 5.4% |
| Female householder, no spouse: | 1,917 | 29.7% | 12.7% |
| Householder living alone: | 1,545 | 23.9% | 28.6% |
| 65 years and over living alone: | 1,816 | 28.1% | 11.8% |
| Average household size: | 2.26 | -- | 2.53 |
| Average family size: | 2.68 | -- | -- |
Marital Status (32407 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 6,109 | -- | -- |
| Never married: | 1,852 | 30.3% | 37.0% |
| Now married: | 3,327 | 54.5% | 49.5% |
| Separated: | 154 | 2.5% | 1.5% |
| Widowed: | 614 | 10.1% | 2.6% |
| Divorced: | 1,500 | 24.6% | 9.3% |
School Enrollment (32407 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 3,533 | -- | -- |
| Nursery school, preschool: | 198 | 5.6% | 5.8% |
| Kindergarten: | 127 | 3.6% | 5.0% |
| Elementary school (grades 1-8): | 1,519 | 43.0% | 40.5% |
| High school (grades 9-12): | 650 | 18.4% | 21.4% |
| College or graduate school: | 1,039 | 29.4% | 27.3% |
Veterans & Disability (32407 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 11,626 | -- | -- |
| Veterans: | 1,542 | 13.3% | 6.3% |
| Civilian noninstitutionalized population: | 14,388 | -- | -- |
| With a disability: | 2,106 | 14.6% | 13.4% |
| Under 18 with disability: | 171 | 8.1% | 5.8% |
| 18 to 64 with disability: | 985 | 46.8% | 10.4% |
| 65 and over with disability: | 950 | 45.1% | 33.4% |
Mobility (Residence 1 Year Ago) (32407 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 11,207 | 76.2% | 86.9% |
| Different house: | 3,409 | 23.2% | 13.1% |
| Same county: | 1,828 | 53.6% | 7.0% |
| Different county: | 1,565 | 45.9% | 3.2% |
| Different state: | 1,219 | 35.8% | 2.5% |
| Abroad: | 16 | 0.5% | 0.4% |
Place of Birth (32407 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 12,775 | 86.8% | 86.2% |
| Foreign born: | 613 | 4.2% | 13.9% |
| Naturalized citizen: | 1,935 | 315.7% | 52.7% |
| Not a citizen: | 1,935 | 315.7% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 1,935 | 315.7% | 10.5% |
| Asia: | 328 | 53.5% | 31.3% |
| Africa: | 318 | 51.9% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 846 | 138.0% | 50.0% |
| Northern America: | 203 | 33.1% | 2.2% |
Language Spoken at Home (32407 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 14,177 | -- | -- |
| English only: | 12,371 | 87.3% | 78.3% |
| Language other than English: | 1,806 | 12.7% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 846 | 6.0% | 13.3% |
| Other Indo-European languages: | 450 | 3.2% | 3.5% |
| Asian/Pacific Island languages: | 169 | 1.2% | 3.5% |
| Other languages: | 341 | 2.4% | 1.0% |
Computers & Internet (32407 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 6,459 | 100.0% | 93.1% |
| Households with broadband internet: | 6,353 | 98.4% | 89.4% |
Panama City Beach, FL32407