32404 ZIP Code, Panama City, FL

32404 is a ZIP code in Panama City, Florida in Bay County. It covers 135 square miles of land. The closest ZIP codes are 32401, 32444 and 32405. 42,514 people live here in 16,158 households. With about 315 people per square mile it is lightly settled, and owners and renters are mixed (69% own). Median household income is $74,708, close to the Florida median of $74,568.

Quick facts

Key figures

MeasureValue
Residents42,514
Households16,158
Median household income$74,708
Income per person$34,098
Median age37.1
Homeowners69.2%
Median home value$273,500
Median rent$1,399
Bachelor's degree or higher23.4%
Average commute (minutes)26.4
Households with kids under 1832.8%
Moved in the past year17.4%
Below the poverty line10.5%
Broadband internet96.1%
Speak a non-English language at home9.5%

Household income

% of householdsValue
<$10K2.9%
$10–15K2.3%
$15–25K4.6%
$25–35K7.2%
$35–50K12.5%
$50–75K20.7%
$75–100K17.4%
$100–150K19.9%
$150–200K5.6%
$200K+6.9%

Age

% of all residentsValue
<1012.0%
10–1912.2%
20–246.3%
25–3415.1%
35–4414.9%
45–5410.5%
55–6414.6%
65–748.6%
75+5.8%

Tenure

% of housing unitsValue
Owned, with mortgage37.3%
Owned outright25.3%
Rented27.6%
Vacant9.8%

Type of building

% of housing unitsValue
Detached house63.5%
Townhome4.0%
2–4 units10.6%
5–19 units3.3%
20+ units3.3%
Mobile / other15.3%

Businesses in 32404

523 business establishments with 5,398 employees (ZIP Codes Business Patterns 2023).

EDDM carrier routes

32404 has 29 USPS carrier routes with 20,971 residential and 585 business mailboxes. Open the EDDM route map.

Carrier routes in 32404

32404 has 29 USPS carrier routes (13 city (C), 14 rural (R), 2 highway contract (H)) with 20,971 residential and 585 business mailboxes. Routes range from 240 homes (R043) to 1,115 homes (R041); the median route has 676 homes. The Census counted 16,158 households in 32404 (2020–2024 average); USPS counts current mailboxes, including new and vacant homes.

Homes per routeRoutes
1–2491
250–4992
500–74914
750–9997
1,000–1,4995
1,500+0

Best routes in 32404 for…

Most businesses

For B2B offers: office supplies, cleaning, IT, catering and commercial services.

  1. Route C008 — USPS business mailboxes 114, 631 homes
  2. Route C011 — USPS business mailboxes 66, 1,047 homes
  3. Route C004 — USPS business mailboxes 43, 895 homes
  4. Route C017 — USPS business mailboxes 42, 315 homes
  5. Route R040 — USPS business mailboxes 41, 1,076 homes

Select these 5 routes on the route map

Every carrier route in 32404

RouteTypeHomesBusinessesEst. median incomeEst. ownersEst. families with kidsEst. moved in past year
C001City75322$78,903———
C002City5895$55,444———
C004City89543$68,851———
C005City1,00635$77,058———
C006City9105$39,340———
C007City6760$79,811———
C008City631114$68,851———
C009City8525$39,340———
C010City85913$39,340———
C011City1,04766$77,058———
C014City7711$53,827———
C016City8320$79,811———
C017City31542$68,851———
H074Highway contract5176$50,901———
H079Highway contract6627$95,721———
R001Rural63326$58,762———
R005Rural65011$114,780———
R007Rural6048$95,721———
R008Rural5603$114,780———
R010Rural6160$95,721———
R012Rural73540$95,721———
R018Rural51729$122,770———
R026Rural1,0393$95,721———
R028Rural72532$41,750———
R033Rural66113$66,011———
R040Rural1,07641$114,780———
R041Rural1,1153$95,721———
R042Rural48512$114,780———
R043Rural2400$95,721———

Income, owners, families and movers are estimates for each route (how we estimate them); mailbox counts are current USPS figures. Open 32404 on the EDDM route map.

How route demographics are estimated

Mailbox counts come from USPS; demographics are estimates

The number of homes and businesses on each carrier route is the current USPS EDDM count. The Census Bureau does not publish figures for carrier routes, so income, homeownership, ages, families, movers and housing age on a route are EDDM2GO estimates built from Census block groups (neighborhood areas of roughly 600 to 3,000 people).

How a route gets its figures: the block-group length-share method

We trace each route's streets every 25 meters and record which block group each stretch falls in. The route's homes are spread along its streets in proportion to length, so a route with 60% of its street length in one block group is assumed to have 60% of its homes there. Each block group then contributes its Census counts in proportion to the share of its housing units that sit on the route (capped at the whole block group). Medians are recalculated from the combined income, home-value and age brackets, the way the Census Bureau computes them, not averaged.

Margins of error

Census survey figures carry a margin of error at 90% confidence; we carry it through the calculation and show it as ±. Our margins treat the route-to-block-group split as exact, so the real uncertainty is larger. Routes with fewer than 100 estimated households, large margins, or streets we could not place are flagged.

Different years

USPS mailbox counts are current. Census figures are 5-year averages for 2020–2024, so a new subdivision may have more homes on the route today than the Census counted. Use the route figures to compare routes with each other, not as an exact head count.

Why some routes show identical figures

Two routes that run through the same block group get the same percentages and medians, because the Census publishes one set of figures for the whole block group. Their mailbox counts still differ, and those are exact.

Route and mailbox counts: USPS EDDM route data. Route demographics: EDDM2GO estimates from U.S. Census Bureau American Community Survey 5-year block-group data (2020–2024) and 2024 cartographic block-group boundaries. This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Nearby ZIP codes

Areas that include 32404

Where it ranks

Mail every home in 32404

Route counts on this page price as Full Service 6.5 × 9 postcards: we print, bundle by carrier route and hand the mailing to USPS. Prefer to take it to the Post Office yourself? Print only costs less and you pay postage at drop-off.

EDDM guides

ZIP code statistics describe the Census ZIP Code Tabulation Area (ZCTA) 32404, which approximates the USPS ZIP code area. Census figures: American Community Survey 5-year estimates, 2020–2024.

Frequently asked questions

What city is 32404 in?
32404 is a Panama City, FL mailing address. By land area, 11% lies inside Panama City, 7% lies inside Callaway, 1% lies inside Parker and 1% lies inside Springfield; the rest is outside any Census-defined city or community.
What county is 32404 in?
32404 is in Bay County.
What is the population of 32404?
About 42,514 people (±1,794), according to the Census Bureau's American Community Survey 5-year estimates for 2020–2024. The 2020 Census counted 38,186.
What is the median household income in 32404?
$74,708 (±$3,972), compared with $74,568 for Florida as a whole. Half the households in the ZIP code earn more and half earn less.
How many carrier routes and mailboxes are in 32404?
29 USPS carrier routes with 20,971 residential and 585 business mailboxes (21,556 in all), from the route data stored by EDDM2GO. An EDDM mailing can target any combination of these routes.
What ZIP codes are near 32404?
The closest, measured center to center: 32401 (8 mi, Panama City), 32444 (9.4 mi, Lynn Haven), 32405 (9.7 mi, Panama City), 32403 (9.8 mi, Tyndall AFB), 32466 (14.3 mi) and 32408 (14.9 mi, Upper Grand Lagoon).

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.