32408 ZIP Code, Panama City, FL

32408 is a ZIP code in Panama City, Florida in Bay County. It covers 8.6 square miles of land. The closest ZIP codes are 32407, 32405 and 32401. 18,832 people live here in 9,135 households. At about 2,198 people per square mile it has suburban density, and owners and renters are mixed (63% own). Median household income is $80,822, close to the Florida median of $74,568; the median age is 47.8, older than most ZIP codes.

Quick facts

Key figures

MeasureValue
Residents18,832
Households9,135
Median household income$80,822
Income per person$50,125
Median age47.8
Homeowners63.0%
Median home value$382,300
Median rent$1,584
Bachelor's degree or higher35.8%
Average commute (minutes)21.3
Households with kids under 1820.1%
Moved in the past year14.5%
Below the poverty line9.7%
Broadband internet93.2%
Speak a non-English language at home14.5%

Household income

% of householdsValue
<$10K3.4%
$10–15K3.6%
$15–25K3.4%
$25–35K6.0%
$35–50K10.4%
$50–75K20.5%
$75–100K14.7%
$100–150K18.9%
$150–200K7.7%
$200K+11.2%

Age

% of all residentsValue
<109.7%
10–197.9%
20–242.6%
25–3414.2%
35–4411.7%
45–5414.0%
55–6416.6%
65–7413.8%
75+9.5%

Tenure

% of housing unitsValue
Owned, with mortgage18.8%
Owned outright14.4%
Rented19.2%
Vacant47.6%

Type of building

% of housing unitsValue
Detached house34.4%
Townhome5.4%
2–4 units8.4%
5–19 units7.8%
20+ units37.4%
Mobile / other6.6%

Businesses in 32408

538 business establishments with 5,001 employees (ZIP Codes Business Patterns 2023).

EDDM carrier routes

32408 has 13 USPS carrier routes with 14,459 residential and 545 business mailboxes. Open the EDDM route map.

Carrier routes in 32408

32408 has 13 USPS carrier routes (13 city (C)) with 14,459 residential and 545 business mailboxes. Routes range from 442 homes (C090) to 2,882 homes (C009); the median route has 926 homes. The Census counted 9,135 households in 32408 (2020–2024 average); USPS counts current mailboxes, including new and vacant homes.

Homes per routeRoutes
1–2490
250–4991
500–7493
750–9994
1,000–1,4993
1,500+2

Best routes in 32408 for…

Most businesses

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

  1. Route C010 — USPS business mailboxes 130, 648 homes
  2. Route C090 — USPS business mailboxes 104, 442 homes
  3. Route C088 — USPS business mailboxes 96, 1,869 homes
  4. Route C009 — USPS business mailboxes 68, 2,882 homes
  5. Route C086 — USPS business mailboxes 60, 926 homes

Select these 5 routes on the route map

Every carrier route in 32408

RouteTypeHomesBusinessesEst. median incomeEst. ownersEst. families with kidsEst. moved in past year
C002City52113$129,548———
C004City9552$84,632———
C008City91915$63,712———
C009City2,88268$64,862———
C010City648130$103,071———
C011City7890$84,632———
C014City7056$84,632———
C016City1,07123$64,194———
C086City92660$129,548———
C088City1,86996$84,632———
C089City1,49026$84,632———
C090City442104$74,080———
C092City1,2422$63,712———

Income, owners, families and movers are estimates for each route (how we estimate them); mailbox counts are current USPS figures. Open 32408 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 32408

Where it ranks

Mail every home in 32408

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) 32408, which approximates the USPS ZIP code area. Census figures: American Community Survey 5-year estimates, 2020–2024.

Frequently asked questions

What city is 32408 in?
32408 is a Panama City, FL mailing address. By land area, 69% lies inside Upper Grand Lagoon, 25% lies inside Lower Grand Lagoon and 5% lies inside Panama City Beach.
What county is 32408 in?
32408 is in Bay County.
What is the population of 32408?
About 18,832 people (±1,353), according to the Census Bureau's American Community Survey 5-year estimates for 2020–2024. The 2020 Census counted 17,479.
What is the median household income in 32408?
$80,822 (±$5,586), 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 32408?
13 USPS carrier routes with 14,459 residential and 545 business mailboxes (15,015 in all), from the route data stored by EDDM2GO. An EDDM mailing can target any combination of these routes.
What ZIP codes are near 32408?
The closest, measured center to center: 32407 (3.6 mi, Panama City Beach), 32405 (5.9 mi, Panama City), 32401 (7 mi, Panama City), 32444 (8.4 mi, Lynn Haven), 32413 (12.9 mi, Panama City Beach) and 32409 (13 mi, Lynn Haven).

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