32409 ZIP Code
Panama City, Florida
December 15, 2025
| ZIP Code: | 32409 |
| City/Town: | Panama City |
| County: | Bay |
| State: | Florida |
| ZIP Type: | Standard |
| Population: | 10,518 |
| Median Household Income: | $56,276 |
| Per Capita Income: | $34,622 |
| Total Housing Units: | 4,328 |
| Median Home Value: | $173,800 |
| Land Area: | 126.6 sq miles
328.0 sq km |
| Water Area: | 28.0 sq miles
72.4 sq km |
| Coordinates: | 30.3413, -85.7126 |
Population Information (32409 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 10,518 | -- | -- |
| Male: | 4,957 | 47.1% | 49.6% |
| Female: | 5,561 | 52.9% | 50.4% |
| Median Age: | 43.3 yrs | -- | 38.5 yrs |
| Under 5 years: | 442 | 4.2% | 5.7% |
| 5 to 9 years: | 740 | 7.0% | 6.0% |
| 10 to 14 years: | 846 | 8.0% | 6.5% |
| 15 to 19 years: | 587 | 5.6% | 6.6% |
| 20 to 24 years: | 503 | 4.8% | 6.7% |
| 25 to 34 years: | 1,139 | 10.8% | 13.7% |
| 35 to 44 years: | 1,428 | 13.6% | 12.9% |
| 45 to 54 years: | 1,367 | 13.0% | 12.4% |
| 55 to 59 years: | 622 | 5.9% | 6.5% |
| 60 to 64 years: | 847 | 8.1% | 6.4% |
| 65 to 74 years: | 1,166 | 11.1% | 9.7% |
| 75 to 84 years: | 657 | 6.2% | 4.8% |
| 85 years and over: | 174 | 1.7% | 2.0% |
Housing Information (32409 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $173,800 | -- | $281,900 |
| Median rooms: | 5.8 | -- | 5.5 |
| Median rent: | $1,255 / mo. | -- | $1,268 / mo. |
| Total housing units: | 4,328 | -- | -- |
| Occupied housing units: | 3,835 | 88.6% | 38.0% |
| Vacant housing units: | 493 | 11.4% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 3,421 | 89.2% | 64.8% |
| Renter-occupied: | 414 | 10.8% | 35.2% |
Educational Attainment (32409 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 7,400 | -- | -- |
| Less than 9th grade: | 192 | 2.6% | 4.7% |
| 9th to 12th grade, no diploma: | 744 | 10.1% | 6.1% |
| High school graduate: | 2,511 | 33.9% | 26.4% |
| Some college, no degree: | 1,755 | 23.7% | 19.7% |
| Associate degree: | 601 | 8.1% | 8.7% |
| Bachelor's degree: | 1,061 | 14.3% | 20.9% |
| Graduate or professional degree: | 536 | 7.2% | 13.7% |
| Percent high school graduate or higher: | -- | 87.4% | 89.1% |
| Percent bachelor's degree or higher: | -- | 21.6% | 34.3% |
Income Information (32409 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $56,276 / yr. | $75,149 / yr. |
| Mean household income: | $75,238 / yr. | $105,833 / yr. |
| Median family income: | $75,972 / yr. | $92,646 / yr. |
| Per capita income: | $34,622 / yr. | $41,261 / yr. |
Employment (32409 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 4,514 | -- | 63.5% |
| Employed: | 4,177 | 93.8% | 96.4% |
| Unemployed: | 277 | 6.2% | 5.3% |
| Not in labor force: | 3,823 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 2,365 | 56.6% | 79.7% |
| Government workers: | 900 | 21.5% | 14.2% |
| Self-employed: | 844 | 20.2% | 5.9% |
| Unpaid family workers: | 68 | 1.6% | 0.1% |
Race & Ethnicity (32409 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 9,597 | 91.2% | 61.6% |
| Black or African American: | 0 | 0.0% | 12.4% |
| American Indian/Alaska Native: | 41 | 0.4% | 1.1% |
| Asian: | 209 | 2.0% | 6.0% |
| Native Hawaiian/Pacific Islander: | 0 | 0.0% | 0.2% |
| Some other race: | 127 | 1.2% | 8.4% |
| Two or more races: | 544 | 5.2% | 10.2% |
| Hispanic or Latino (any race): | 224 | 2.1% | 18.7% |
| Mexican: | 673 | 6.4% | 11.2% |
| Puerto Rican: | 294 | 2.8% | 1.8% |
| Cuban: | 195 | 1.9% | 0.7% |
| Other Hispanic or Latino: | 0 | 0.0% | 5.0% |
| Not Hispanic or Latino: | 184 | 1.7% | 81.1% |
Income Distribution (32409 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 95 | 2.5% | 4.9% |
| $10,000 to $14,999: | 340 | 8.9% | 3.8% |
| $15,000 to $24,999: | 419 | 10.9% | 7.0% |
| $25,000 to $34,999: | 366 | 9.5% | 7.4% |
| $35,000 to $49,999: | 360 | 9.4% | 10.7% |
| $50,000 to $74,999: | 741 | 19.3% | 16.1% |
| $75,000 to $99,999: | 454 | 11.8% | 12.8% |
| $100,000 to $149,999: | 646 | 16.8% | 17.1% |
| $150,000 to $199,999: | 255 | 6.6% | 8.8% |
| $200,000 or more: | 159 | 4.1% | 11.4% |
Commute to Work (32409 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 2,898 | 69.4% | 67.8% |
| Carpooled: | 549 | 13.1% | 8.7% |
| Public transportation: | 0 | 0.0% | 4.2% |
| Walked: | 7 | 0.2% | 2.5% |
| Other means: | 68 | 1.6% | 0.9% |
| Worked from home: | 671 | 16.1% | 13.8% |
| Mean travel time to work: | 31.9 min | -- | 26.7 min |
Industry (32409 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 199 | 4.8% | 1.6% |
| Construction: | 431 | 10.3% | 6.9% |
| Manufacturing: | 305 | 7.3% | 10.0% |
| Wholesale trade: | 29 | 0.7% | 2.4% |
| Retail trade: | 477 | 11.4% | 11.0% |
| Transportation, warehousing, utilities: | 185 | 4.4% | 5.8% |
| Information: | 77 | 1.8% | 1.9% |
| Finance, insurance, real estate: | 239 | 5.7% | 6.7% |
| Professional, scientific, management: | 467 | 11.2% | 12.1% |
| Education, health care, social services: | 1,016 | 24.3% | 23.3% |
| Arts, entertainment, food services: | 213 | 5.1% | 9.0% |
| Other services: | 235 | 5.6% | 4.7% |
| Public administration: | 304 | 7.3% | 4.7% |
Poverty Status (32409 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 17.9% | 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 (32409 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 8,689 | 82.6% | 91.3% |
| Private health insurance: | 5,913 | 56.2% | 67.6% |
| Public health coverage: | 4,305 | 40.9% | 35.9% |
| Without health insurance: | 1,769 | 16.8% | 8.7% |
Benefits & Assistance (32409 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 2,706 | 70.6% | 77.4% |
| Social Security income: | 1,676 | 43.7% | 31.0% |
| Retirement income: | 1,304 | 34.0% | 21.8% |
| Supplemental Security Income (SSI): | 212 | 5.5% | 4.5% |
| Cash public assistance income: | 79 | 2.1% | 1.8% |
| SNAP (food stamps) benefits: | 527 | 13.7% | 11.4% |
Housing Types (32409 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 2,428 | 56.1% | 61.4% |
| 1-unit, attached: | 28 | 0.6% | 6.1% |
| 2 units: | 0 | 0.0% | 3.4% |
| 3 or 4 units: | 0 | 0.0% | 4.3% |
| 5 to 9 units: | 0 | 0.0% | 4.6% |
| 10 to 19 units: | 0 | 0.0% | 4.3% |
| 20 or more units: | 119 | 2.7% | 9.9% |
| Mobile home: | 1,730 | 40.0% | 5.8% |
| Boat, RV, van, etc.: | 23 | 0.5% | 0.1% |
Year Structure Built (32409 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 0 | 0.0% | 0.6% |
| Built 2010 to 2019: | 565 | 13.1% | 8.2% |
| Built 2000 to 2009: | 1,033 | 23.9% | 13.5% |
| Built 1990 to 1999: | 1,135 | 26.2% | 13.2% |
| Built 1980 to 1989: | 760 | 17.6% | 13.2% |
| Built 1970 to 1979: | 574 | 13.3% | 14.6% |
| Built 1960 to 1969: | 71 | 1.6% | 10.2% |
| Built 1950 to 1959: | 85 | 2.0% | 9.9% |
| Built 1940 to 1949: | 47 | 1.1% | 4.6% |
| Built 1939 or earlier: | 58 | 1.3% | 12.0% |
Bedrooms (32409 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 47 | 1.1% | 2.4% |
| 1 bedroom: | 69 | 1.6% | 3.0% |
| 2 bedrooms: | 952 | 22.0% | 9.1% |
| 3 bedrooms: | 2,222 | 51.3% | 15.9% |
| 4 bedrooms: | 896 | 20.7% | 18.8% |
| 5 or more bedrooms: | 142 | 3.3% | 17.6% |
Heating Fuel (32409 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 34 | 0.9% | 47.1% |
| Bottled, tank, or LP gas: | 153 | 4.0% | 4.9% |
| Electricity: | 3,616 | 94.3% | 40.2% |
| Fuel oil, kerosene, etc.: | 11 | 0.3% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 15 | 0.4% | 1.5% |
| Solar energy: | 0 | 0.0% | 0.1% |
| Other fuel: | 0 | 0.0% | 0.5% |
| No fuel used: | 6 | 0.2% | 0.2% |
Vehicles Available (32409 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 249 | 6.5% | 8.3% |
| 1 vehicle available: | 803 | 20.9% | 32.6% |
| 2 vehicles available: | 1,822 | 47.5% | 37.0% |
| 3 or more vehicles available: | 961 | 25.1% | 22.1% |
Home Value Distribution (32409 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 465 | 13.6% | 5.7% |
| $50,000 to $99,999: | 565 | 16.5% | 7.8% |
| $100,000 to $149,999: | 381 | 11.1% | 9.2% |
| $150,000 to $199,999: | 399 | 11.7% | 10.8% |
| $200,000 to $299,999: | 670 | 19.6% | 19.9% |
| $300,000 to $499,999: | 612 | 17.9% | 24.1% |
| $500,000 to $999,999: | 250 | 7.3% | 17.0% |
| $1,000,000 or more: | 79 | 2.3% | 5.6% |
Housing Costs (32409 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,414 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $403 / mo. | $584 / mo. |
| Median gross rent: | $1,255 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.67 | 2.53 |
| Average household size (renter-occupied): | 3.31 | 2.38 |
Households (32409 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 3,835 | -- | -- |
| Married-couple households: | 2,006 | 52.3% | 47.5% |
| Cohabiting couple households: | 691 | 18.0% | 7.0% |
| Male householder, no spouse: | 647 | 16.9% | 5.4% |
| Female householder, no spouse: | 1,022 | 26.6% | 12.7% |
| Householder living alone: | 1,271 | 33.1% | 28.6% |
| 65 years and over living alone: | 1,536 | 40.1% | 11.8% |
| Average household size: | 2.74 | -- | 2.53 |
| Average family size: | 3.27 | -- | -- |
Marital Status (32409 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 4,112 | -- | -- |
| Never married: | 1,186 | 28.8% | 37.0% |
| Now married: | 2,232 | 54.3% | 49.5% |
| Separated: | 108 | 2.6% | 1.5% |
| Widowed: | 541 | 13.2% | 2.6% |
| Divorced: | 891 | 21.7% | 9.3% |
School Enrollment (32409 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 2,513 | -- | -- |
| Nursery school, preschool: | 143 | 5.7% | 5.8% |
| Kindergarten: | 138 | 5.5% | 5.0% |
| Elementary school (grades 1-8): | 1,295 | 51.5% | 40.5% |
| High school (grades 9-12): | 576 | 22.9% | 21.4% |
| College or graduate school: | 361 | 14.4% | 27.3% |
Veterans & Disability (32409 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 8,040 | -- | -- |
| Veterans: | 1,131 | 14.1% | 6.3% |
| Civilian noninstitutionalized population: | 10,458 | -- | -- |
| With a disability: | 2,881 | 27.5% | 13.4% |
| Under 18 with disability: | 403 | 14.0% | 5.8% |
| 18 to 64 with disability: | 1,351 | 46.9% | 10.4% |
| 65 and over with disability: | 1,127 | 39.1% | 33.4% |
Mobility (Residence 1 Year Ago) (32409 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 9,447 | 89.8% | 86.9% |
| Different house: | 1,003 | 9.5% | 13.1% |
| Same county: | 698 | 69.6% | 7.0% |
| Different county: | 292 | 29.1% | 3.2% |
| Different state: | 188 | 18.7% | 2.5% |
| Abroad: | 13 | 1.3% | 0.4% |
Place of Birth (32409 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 10,069 | 95.7% | 86.2% |
| Foreign born: | 197 | 1.9% | 13.9% |
| Naturalized citizen: | 449 | 227.9% | 52.7% |
| Not a citizen: | 449 | 227.9% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 449 | 227.9% | 10.5% |
| Asia: | 67 | 34.0% | 31.3% |
| Africa: | 35 | 17.8% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 189 | 95.9% | 50.0% |
| Northern America: | 30 | 15.2% | 2.2% |
Language Spoken at Home (32409 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 10,076 | -- | -- |
| English only: | 9,546 | 94.7% | 78.3% |
| Language other than English: | 530 | 5.3% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 365 | 3.6% | 13.3% |
| Other Indo-European languages: | 84 | 0.8% | 3.5% |
| Asian/Pacific Island languages: | 81 | 0.8% | 3.5% |
| Other languages: | 0 | 0.0% | 1.0% |
Computers & Internet (32409 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 3,835 | 100.0% | 93.1% |
| Households with broadband internet: | 3,485 | 90.9% | 89.4% |
Panama City, FL32409