32413 ZIP Code
Panama City Beach, Florida
December 16, 2025
| ZIP Code: | 32413 |
| City/Town: | Panama City Beach |
| County: | Bay |
| State: | Florida |
| ZIP Type: | Standard |
| Population: | 14,820 |
| Median Household Income: | $75,970 |
| Per Capita Income: | $41,182 |
| Total Housing Units: | 15,546 |
| Median Home Value: | $348,600 |
| Land Area: | 108.2 sq miles
280.3 sq km |
| Water Area: | 19.6 sq miles
50.7 sq km |
| Coordinates: | 30.3057, -85.8863 |
Population Information (32413 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 14,820 | -- | -- |
| Male: | 7,554 | 51.0% | 49.6% |
| Female: | 7,266 | 49.0% | 50.4% |
| Median Age: | 52.4 yrs | -- | 38.5 yrs |
| Under 5 years: | 349 | 2.4% | 5.7% |
| 5 to 9 years: | 439 | 3.0% | 6.0% |
| 10 to 14 years: | 510 | 3.4% | 6.5% |
| 15 to 19 years: | 615 | 4.1% | 6.6% |
| 20 to 24 years: | 914 | 6.2% | 6.7% |
| 25 to 34 years: | 1,428 | 9.6% | 13.7% |
| 35 to 44 years: | 1,669 | 11.3% | 12.9% |
| 45 to 54 years: | 2,019 | 13.6% | 12.4% |
| 55 to 59 years: | 1,413 | 9.5% | 6.5% |
| 60 to 64 years: | 1,915 | 12.9% | 6.4% |
| 65 to 74 years: | 2,276 | 15.4% | 9.7% |
| 75 to 84 years: | 930 | 6.3% | 4.8% |
| 85 years and over: | 343 | 2.3% | 2.0% |
Housing Information (32413 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $348,600 | -- | $281,900 |
| Median rooms: | 4.3 | -- | 5.5 |
| Median rent: | $1,460 / mo. | -- | $1,268 / mo. |
| Total housing units: | 15,546 | -- | -- |
| Occupied housing units: | 7,164 | 46.1% | 38.0% |
| Vacant housing units: | 8,382 | 53.9% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 5,218 | 72.8% | 64.8% |
| Renter-occupied: | 1,946 | 27.2% | 35.2% |
Educational Attainment (32413 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 11,993 | -- | -- |
| Less than 9th grade: | 284 | 2.4% | 4.7% |
| 9th to 12th grade, no diploma: | 494 | 4.1% | 6.1% |
| High school graduate: | 2,856 | 23.8% | 26.4% |
| Some college, no degree: | 2,595 | 21.6% | 19.7% |
| Associate degree: | 1,666 | 13.9% | 8.7% |
| Bachelor's degree: | 2,648 | 22.1% | 20.9% |
| Graduate or professional degree: | 1,450 | 12.1% | 13.7% |
| Percent high school graduate or higher: | -- | 93.5% | 89.1% |
| Percent bachelor's degree or higher: | -- | 34.2% | 34.3% |
Income Information (32413 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $75,970 / yr. | $75,149 / yr. |
| Mean household income: | $108,150 / yr. | $105,833 / yr. |
| Median family income: | $91,914 / yr. | $92,646 / yr. |
| Per capita income: | $41,182 / yr. | $41,261 / yr. |
Employment (32413 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 8,214 | -- | 63.5% |
| Employed: | 7,911 | 97.3% | 96.4% |
| Unemployed: | 217 | 2.7% | 5.3% |
| Not in labor force: | 5,246 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 5,949 | 75.2% | 79.7% |
| Government workers: | 1,343 | 17.0% | 14.2% |
| Self-employed: | 605 | 7.6% | 5.9% |
| Unpaid family workers: | 14 | 0.2% | 0.1% |
Race & Ethnicity (32413 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 13,512 | 91.2% | 61.6% |
| Black or African American: | 164 | 1.1% | 12.4% |
| American Indian/Alaska Native: | 59 | 0.4% | 1.1% |
| Asian: | 22 | 0.1% | 6.0% |
| Native Hawaiian/Pacific Islander: | 18 | 0.1% | 0.2% |
| Some other race: | 357 | 2.4% | 8.4% |
| Two or more races: | 688 | 4.6% | 10.2% |
| Hispanic or Latino (any race): | 794 | 5.4% | 18.7% |
| Mexican: | 1,054 | 7.1% | 11.2% |
| Puerto Rican: | 177 | 1.2% | 1.8% |
| Cuban: | 212 | 1.4% | 0.7% |
| Other Hispanic or Latino: | 92 | 0.6% | 5.0% |
| Not Hispanic or Latino: | 573 | 3.9% | 81.1% |
Income Distribution (32413 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 273 | 3.8% | 4.9% |
| $10,000 to $14,999: | 97 | 1.4% | 3.8% |
| $15,000 to $24,999: | 406 | 5.7% | 7.0% |
| $25,000 to $34,999: | 294 | 4.1% | 7.4% |
| $35,000 to $49,999: | 1,051 | 14.7% | 10.7% |
| $50,000 to $74,999: | 1,357 | 18.9% | 16.1% |
| $75,000 to $99,999: | 1,173 | 16.4% | 12.8% |
| $100,000 to $149,999: | 1,160 | 16.2% | 17.1% |
| $150,000 to $199,999: | 500 | 7.0% | 8.8% |
| $200,000 or more: | 853 | 11.9% | 11.4% |
Commute to Work (32413 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 5,901 | 74.6% | 67.8% |
| Carpooled: | 821 | 10.4% | 8.7% |
| Public transportation: | 5 | 0.1% | 4.2% |
| Walked: | 48 | 0.6% | 2.5% |
| Other means: | 198 | 2.5% | 0.9% |
| Worked from home: | 871 | 11.0% | 13.8% |
| Mean travel time to work: | 21.3 min | -- | 26.7 min |
Industry (32413 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 25 | 0.3% | 1.6% |
| Construction: | 819 | 10.4% | 6.9% |
| Manufacturing: | 413 | 5.2% | 10.0% |
| Wholesale trade: | 244 | 3.1% | 2.4% |
| Retail trade: | 1,324 | 16.7% | 11.0% |
| Transportation, warehousing, utilities: | 224 | 2.8% | 5.8% |
| Information: | 30 | 0.4% | 1.9% |
| Finance, insurance, real estate: | 708 | 8.9% | 6.7% |
| Professional, scientific, management: | 696 | 8.8% | 12.1% |
| Education, health care, social services: | 1,292 | 16.3% | 23.3% |
| Arts, entertainment, food services: | 1,482 | 18.7% | 9.0% |
| Other services: | 249 | 3.1% | 4.7% |
| Public administration: | 405 | 5.1% | 4.7% |
Poverty Status (32413 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 8.7% | 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 (32413 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 13,143 | 88.7% | 91.3% |
| Private health insurance: | 10,568 | 71.3% | 67.6% |
| Public health coverage: | 5,088 | 34.3% | 35.9% |
| Without health insurance: | 1,591 | 10.7% | 8.7% |
Benefits & Assistance (32413 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 5,287 | 73.8% | 77.4% |
| Social Security income: | 2,579 | 36.0% | 31.0% |
| Retirement income: | 2,300 | 32.1% | 21.8% |
| Supplemental Security Income (SSI): | 232 | 3.2% | 4.5% |
| Cash public assistance income: | 46 | 0.6% | 1.8% |
| SNAP (food stamps) benefits: | 308 | 4.3% | 11.4% |
Housing Types (32413 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 6,961 | 44.8% | 61.4% |
| 1-unit, attached: | 367 | 2.4% | 6.1% |
| 2 units: | 550 | 3.5% | 3.4% |
| 3 or 4 units: | 631 | 4.1% | 4.3% |
| 5 to 9 units: | 679 | 4.4% | 4.6% |
| 10 to 19 units: | 927 | 6.0% | 4.3% |
| 20 or more units: | 4,092 | 26.3% | 9.9% |
| Mobile home: | 1,339 | 8.6% | 5.8% |
| Boat, RV, van, etc.: | 0 | 0.0% | 0.1% |
Year Structure Built (32413 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 141 | 0.9% | 0.6% |
| Built 2010 to 2019: | 1,456 | 9.4% | 8.2% |
| Built 2000 to 2009: | 4,808 | 30.9% | 13.5% |
| Built 1990 to 1999: | 2,464 | 15.8% | 13.2% |
| Built 1980 to 1989: | 3,533 | 22.7% | 13.2% |
| Built 1970 to 1979: | 2,147 | 13.8% | 14.6% |
| Built 1960 to 1969: | 373 | 2.4% | 10.2% |
| Built 1950 to 1959: | 319 | 2.1% | 9.9% |
| Built 1940 to 1949: | 245 | 1.6% | 4.6% |
| Built 1939 or earlier: | 60 | 0.4% | 12.0% |
Bedrooms (32413 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 465 | 3.0% | 2.4% |
| 1 bedroom: | 1,770 | 11.4% | 3.0% |
| 2 bedrooms: | 6,456 | 41.5% | 9.1% |
| 3 bedrooms: | 4,973 | 32.0% | 15.9% |
| 4 bedrooms: | 1,652 | 10.6% | 18.8% |
| 5 or more bedrooms: | 230 | 1.5% | 17.6% |
Heating Fuel (32413 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 493 | 6.9% | 47.1% |
| Bottled, tank, or LP gas: | 65 | 0.9% | 4.9% |
| Electricity: | 6,489 | 90.6% | 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: | 22 | 0.3% | 0.1% |
| Other fuel: | 43 | 0.6% | 0.5% |
| No fuel used: | 52 | 0.7% | 0.2% |
Vehicles Available (32413 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 121 | 1.7% | 8.3% |
| 1 vehicle available: | 2,678 | 37.4% | 32.6% |
| 2 vehicles available: | 2,882 | 40.2% | 37.0% |
| 3 or more vehicles available: | 1,483 | 20.7% | 22.1% |
Home Value Distribution (32413 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 259 | 5.0% | 5.7% |
| $50,000 to $99,999: | 142 | 2.7% | 7.8% |
| $100,000 to $149,999: | 205 | 3.9% | 9.2% |
| $150,000 to $199,999: | 322 | 6.2% | 10.8% |
| $200,000 to $299,999: | 1,058 | 20.3% | 19.9% |
| $300,000 to $499,999: | 2,164 | 41.5% | 24.1% |
| $500,000 to $999,999: | 914 | 17.5% | 17.0% |
| $1,000,000 or more: | 154 | 3.0% | 5.6% |
Housing Costs (32413 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,761 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $606 / mo. | $584 / mo. |
| Median gross rent: | $1,460 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.14 | 2.53 |
| Average household size (renter-occupied): | 1.87 | 2.38 |
Households (32413 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 7,164 | -- | -- |
| Married-couple households: | 3,342 | 46.6% | 47.5% |
| Cohabiting couple households: | 646 | 9.0% | 7.0% |
| Male householder, no spouse: | 1,358 | 19.0% | 5.4% |
| Female householder, no spouse: | 1,711 | 23.9% | 12.7% |
| Householder living alone: | 1,185 | 16.5% | 28.6% |
| 65 years and over living alone: | 2,435 | 34.0% | 11.8% |
| Average household size: | 2.07 | -- | 2.53 |
| Average family size: | 2.43 | -- | -- |
Marital Status (32413 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 6,913 | -- | -- |
| Never married: | 2,061 | 29.8% | 37.0% |
| Now married: | 3,606 | 52.2% | 49.5% |
| Separated: | 64 | 0.9% | 1.5% |
| Widowed: | 1,109 | 16.0% | 2.6% |
| Divorced: | 1,383 | 20.0% | 9.3% |
School Enrollment (32413 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 2,014 | -- | -- |
| Nursery school, preschool: | 109 | 5.4% | 5.8% |
| Kindergarten: | 0 | 0.0% | 5.0% |
| Elementary school (grades 1-8): | 780 | 38.7% | 40.5% |
| High school (grades 9-12): | 583 | 28.9% | 21.4% |
| College or graduate school: | 542 | 26.9% | 27.3% |
Veterans & Disability (32413 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 12,950 | -- | -- |
| Veterans: | 1,668 | 12.9% | 6.3% |
| Civilian noninstitutionalized population: | 14,734 | -- | -- |
| With a disability: | 2,495 | 16.9% | 13.4% |
| Under 18 with disability: | 183 | 7.3% | 5.8% |
| 18 to 64 with disability: | 1,234 | 49.5% | 10.4% |
| 65 and over with disability: | 1,078 | 43.2% | 33.4% |
Mobility (Residence 1 Year Ago) (32413 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 12,435 | 83.9% | 86.9% |
| Different house: | 2,338 | 15.8% | 13.1% |
| Same county: | 666 | 28.5% | 7.0% |
| Different county: | 1,480 | 63.3% | 3.2% |
| Different state: | 1,053 | 45.0% | 2.5% |
| Abroad: | 192 | 8.2% | 0.4% |
Place of Birth (32413 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 13,707 | 92.5% | 86.2% |
| Foreign born: | 520 | 3.5% | 13.9% |
| Naturalized citizen: | 1,113 | 214.0% | 52.7% |
| Not a citizen: | 1,113 | 214.0% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 1,113 | 214.0% | 10.5% |
| Asia: | 355 | 68.3% | 31.3% |
| Africa: | 0 | 0.0% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 628 | 120.8% | 50.0% |
| Northern America: | 37 | 7.1% | 2.2% |
Language Spoken at Home (32413 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 14,471 | -- | -- |
| English only: | 13,195 | 91.2% | 78.3% |
| Language other than English: | 1,276 | 8.8% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 794 | 5.5% | 13.3% |
| Other Indo-European languages: | 378 | 2.6% | 3.5% |
| Asian/Pacific Island languages: | 16 | 0.1% | 3.5% |
| Other languages: | 88 | 0.6% | 1.0% |
Computers & Internet (32413 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 7,164 | 100.0% | 93.1% |
| Households with broadband internet: | 6,990 | 97.6% | 89.4% |
Panama City Beach, FL32413