32407 ZIP Code, Panama City Beach, FL
32407 is a ZIP code in Panama City Beach, Florida in Bay County. It covers 15 square miles of land. The closest ZIP codes are 32408, 32405 and 32444. 16,404 people live here in 7,009 households. At about 1,100 people per square mile it has suburban density, and owners and renters are mixed (56% own). Median household income is $80,831, close to the Florida median of $74,568; 23% of residents moved in during the past year.
Quick facts
- Mailing city: Panama City Beach, FL
- County: Bay County
- Land area: 15 sq mi
- Population: 16,404
- Median household income: $80,831
- Carrier routes: 12 (10,765 homes)
Key figures
| Measure | Value |
|---|---|
| Residents | 16,404 |
| Households | 7,009 |
| Median household income | $80,831 |
| Income per person | $47,494 |
| Median age | 38.2 |
| Homeowners | 56.4% |
| Median home value | $404,200 |
| Median rent | $1,840 |
| Bachelor's degree or higher | 40.0% |
| Average commute (minutes) | 19.8 |
| Households with kids under 18 | 25.3% |
| Moved in the past year | 22.7% |
| Below the poverty line | 6.3% |
| Broadband internet | 96.1% |
| Speak a non-English language at home | 12.6% |
Household income
| % of households | Value |
|---|---|
| <$10K | 5.7% |
| $10–15K | 0.4% |
| $15–25K | 5.2% |
| $25–35K | 4.3% |
| $35–50K | 11.7% |
| $50–75K | 16.9% |
| $75–100K | 13.4% |
| $100–150K | 17.7% |
| $150–200K | 10.4% |
| $200K+ | 14.4% |
Age
| % of all residents | Value |
|---|---|
| <10 | 11.6% |
| 10–19 | 11.8% |
| 20–24 | 5.3% |
| 25–34 | 14.9% |
| 35–44 | 14.4% |
| 45–54 | 10.8% |
| 55–64 | 15.4% |
| 65–74 | 9.5% |
| 75+ | 6.3% |
Tenure
| % of housing units | Value |
|---|---|
| Owned, with mortgage | 22.0% |
| Owned outright | 10.5% |
| Rented | 24.8% |
| Vacant | 42.7% |
Type of building
| % of housing units | Value |
|---|---|
| Detached house | 27.1% |
| Townhome | 8.5% |
| 2–4 units | 3.7% |
| 5–19 units | 13.4% |
| 20+ units | 45.5% |
| Mobile / other | 1.8% |
Businesses in 32407
664 business establishments with 8,216 employees (ZIP Codes Business Patterns 2023).
- Retail Trade: 114
- Accommodation and Food Services: 101
- Professional, Scientific, and Technical Services: 69
- Real Estate and Rental and Leasing: 68
- Other Services (except Public Administration): 57
- Health Care and Social Assistance: 49
- Administrative and Support and Waste Management and Remediation Services: 48
- Construction: 47
EDDM carrier routes
32407 has 12 USPS carrier routes with 10,765 residential and 763 business mailboxes. Open the EDDM route map.
Carrier routes in 32407
32407 has 12 USPS carrier routes (7 city (C), 5 rural (R)) with 10,765 residential and 763 business mailboxes. Routes range from 291 homes (R050) to 1,922 homes (C084); the median route has 882 homes. The Census counted 7,009 households in 32407 (2020–2024 average); USPS counts current mailboxes, including new and vacant homes.
| Homes per route | Routes |
|---|---|
| 1–249 | 0 |
| 250–499 | 2 |
| 500–749 | 1 |
| 750–999 | 7 |
| 1,000–1,499 | 1 |
| 1,500+ | 1 |
Best routes in 32407 for…
Most businesses
For B2B offers: office supplies, cleaning, IT, catering and commercial services.
- Route C081 — USPS business mailboxes 145, 1,160 homes
- Route C012 — USPS business mailboxes 121, 870 homes
- Route C083 — USPS business mailboxes 119, 721 homes
- Route R039 — USPS business mailboxes 113, 894 homes
- Route R036 — USPS business mailboxes 78, 865 homes
Select these 5 routes on the route map
Every carrier route in 32407
| Route | Type | Homes | Businesses | Est. median income | Est. owners | Est. families with kids | Est. moved in past year |
|---|---|---|---|---|---|---|---|
| C003 | City | 911 | 71 | $104,603 | — | — | — |
| C005 | City | 814 | 29 | $47,627 | — | — | — |
| C007 | City | 954 | 5 | $74,080 | — | — | — |
| C012 | City | 870 | 121 | $68,043 | — | — | — |
| C081 | City | 1,160 | 145 | $63,561 | — | — | — |
| C083 | City | 721 | 119 | $104,603 | — | — | — |
| C084 | City | 1,922 | 56 | $58,844 | — | — | — |
| R013 | Rural | 422 | 16 | $104,603 | — | — | — |
| R030 | Rural | 941 | 2 | $47,627 | — | — | — |
| R036 | Rural | 865 | 78 | $68,043 | — | — | — |
| R039 | Rural | 894 | 113 | $139,537 | — | — | — |
| R050 | Rural | 291 | 8 | $84,364 | — | — | — |
Income, owners, families and movers are estimates for each route (how we estimate them); mailbox counts are current USPS figures. Open 32407 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
- 32408 — Upper Grand Lagoon CDP, FL (3.6 mi)
- 32405 — Panama City city, FL (7.3 mi)
- 32444 — Lynn Haven city, FL (8.8 mi)
- 32413 — Panama City Beach city, FL (9.4 mi)
- 32401 — Panama City city, FL (9.5 mi)
- 32409 — Lynn Haven city, FL (10.9 mi)
- 32404 — Panama City city, FL (16.9 mi)
- 32461 (17.5 mi)
Areas that include 32407
- Panama City Beach, FL ZIP codes — 2 ZIP codes
- Upper Grand Lagoon, FL ZIP codes — 2 ZIP codes
- Bay County ZIP codes — 14 ZIP codes
- Florida ZIP code data
Where it ranks
- No. 2 of 11: highest median household income in Bay County
- No. 2 of 11: highest median home value in Bay County
- No. 2 of 11: highest share of residents who moved in during the past year in Bay County
- No. 3 of 11: lowest median age in Bay County
- No. 1 of 11: fastest population growth in Bay County
Mail every home in 32407
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) 32407, which approximates the USPS ZIP code area. Census figures: American Community Survey 5-year estimates, 2020–2024.
Frequently asked questions
- What city is 32407 in?
- 32407 is a Panama City Beach, FL mailing address. By land area, 34% lies inside Panama City Beach and 15% lies inside Upper Grand Lagoon; the rest is outside any Census-defined city or community.
- What county is 32407 in?
- 32407 is in Bay County.
- What is the population of 32407?
- About 16,404 people (±1,139), according to the Census Bureau's American Community Survey 5-year estimates for 2020–2024. The 2020 Census counted 14,366.
- What is the median household income in 32407?
- $80,831 (±$5,949), 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 32407?
- 12 USPS carrier routes with 10,765 residential and 763 business mailboxes (11,520 in all), from the route data stored by EDDM2GO. An EDDM mailing can target any combination of these routes.
- What ZIP codes are near 32407?
- The closest, measured center to center: 32408 (3.6 mi, Upper Grand Lagoon), 32405 (7.3 mi, Panama City), 32444 (8.8 mi, Lynn Haven), 32413 (9.4 mi, Panama City Beach), 32401 (9.5 mi, Panama City) and 32409 (10.9 mi, Lynn Haven).
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.