What city is 32409 in?

32409 is a Panama City, FL mailing address. None of its land lies inside a Census-defined city or community.

What is the population of 32409?

About 11,113 people (±1,196), according to the Census Bureau's American Community Survey 5-year estimates for 2020–2024. The 2020 Census counted 10,394.

What is the median household income in 32409?

$64,516 (±$12,034), 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 32409?

10 USPS carrier routes with 4,838 residential and 137 business mailboxes (4,977 in all), from the route data stored by EDDM2GO. An EDDM mailing can target any combination of these routes.

What ZIP codes are near 32409?

The closest, measured center to center: 32444 (8 mi, Lynn Haven), 32405 (10.1 mi, Panama City), 32413 (10.6 mi, Panama City Beach), 32407 (10.9 mi, Panama City Beach), 32408 (13 mi, Upper Grand Lagoon) and 32401 (13.4 mi, Panama City).

32409 ZIP Code, Panama City, FL

32409 is a ZIP code in Panama City, Florida in Bay County. It covers 127 square miles of land. The closest ZIP codes are 32444, 32405 and 32413. 11,113 people live here in 4,117 households. It is rural, with fewer than 100 people per square mile, and most homes are owner-occupied (92%). Median household income is $64,516, below the Florida median of $74,568.

Quick facts

Mailing city: Panama City, FL
County: Bay County
Land area: 127 sq mi
Population: 11,113
Median household income: $64,516
Carrier routes: 10 (4,838 homes)

Key figures

Measure	Value
Residents	11,113
Households	4,117
Median household income	$64,516
Income per person	$33,569
Median age	43.8
Homeowners	92.2%
Median home value	$275,700
Median rent	$1,409
Bachelor's degree or higher	27.9%
Average commute (minutes)	30
Households with kids under 18	32.7%
Moved in the past year	10.0%
Below the poverty line	15.0%
Broadband internet	91.3%
Speak a non-English language at home	6.9%

Household income

% of households	Value
<$10K	1.5%
$10–15K	7.4%
$15–25K	11.1%
$25–35K	6.0%
$35–50K	5.6%
$50–75K	24.6%
$75–100K	7.4%
$100–150K	21.4%
$150–200K	8.1%
$200K+	7.0%

Age

% of all residents	Value
<10	10.9%
10–19	15.1%
20–24	4.9%
25–34	9.4%
35–44	13.0%
45–54	13.4%
55–64	14.7%
65–74	10.8%
75+	7.9%

Tenure

% of housing units	Value
Owned, with mortgage	39.5%
Owned outright	44.5%
Rented	7.1%
Vacant	8.9%

Type of building

% of housing units	Value
Detached house	65.1%
Townhome	0.3%
2–4 units	0.0%
5–19 units	0.3%
20+ units	1.2%
Mobile / other	33.1%

Businesses in 32409

198 business establishments with 1,594 employees (ZIP Codes Business Patterns 2023).

Construction: 62
Administrative and Support and Waste Management and Remediation Services: 19
Retail Trade: 18
Transportation and Warehousing: 17
Real Estate and Rental and Leasing: 16
Other Services (except Public Administration): 16
Professional, Scientific, and Technical Services: 15
Wholesale Trade: 8

EDDM carrier routes

32409 has 10 USPS carrier routes with 4,838 residential and 137 business mailboxes. Open the EDDM route map.

Carrier routes in 32409

32409 has 10 USPS carrier routes (10 rural (R)) with 4,838 residential and 137 business mailboxes. Routes range from 130 homes (R046) to 742 homes (R021); the median route has 489 homes. The Census counted 4,117 households in 32409 (2020–2024 average); USPS counts current mailboxes, including new and vacant homes.

Homes per route	Routes
1–249	1
250–499	4
500–749	5
750–999	0
1,000–1,499	0
1,500+	0

Best routes in 32409 for…

Most businesses

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

Route R029 — USPS business mailboxes 60, 406 homes
Route R044 — USPS business mailboxes 24, 543 homes
Route R021 — USPS business mailboxes 14, 742 homes
Route R003 — USPS business mailboxes 9, 466 homes
Route R004 — USPS business mailboxes 8, 617 homes

Select these 5 routes on the route map

Every carrier route in 32409

Route	Type	Homes	Businesses	Est. median income	Est. owners	Est. families with kids	Est. moved in past year
R002	Rural	433	7	$43,673	—	—	—
R003	Rural	466	9	$79,094	—	—	—
R004	Rural	617	8	$43,673	—	—	—
R016	Rural	523	4	$43,673	—	—	—
R020	Rural	501	8	$63,098	—	—	—
R021	Rural	742	14	$43,673	—	—	—
R029	Rural	406	60	$63,098	—	—	—
R044	Rural	543	24	$43,673	—	—	—
R045	Rural	477	1	$86,306	—	—	—
R046	Rural	130	2	$43,673	—	—	—

Income, owners, families and movers are estimates for each route (how we estimate them); mailbox counts are current USPS figures. Open 32409 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

32444 — Lynn Haven city, FL (8 mi)
32405 — Panama City city, FL (10.1 mi)
32413 — Panama City Beach city, FL (10.6 mi)
32407 — Panama City Beach city, FL (10.9 mi)
32408 — Upper Grand Lagoon CDP, FL (13 mi)
32401 — Panama City city, FL (13.4 mi)
32437 — Ebro town, FL (13.4 mi)
32466 (15.1 mi)

Areas that include 32409

Where it ranks

Mail every home in 32409

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) 32409, which approximates the USPS ZIP code area. Census figures: American Community Survey 5-year estimates, 2020–2024.

Frequently asked questions

What city is 32409 in?: 32409 is a Panama City, FL mailing address. None of its land lies inside a Census-defined city or community.
What county is 32409 in?: 32409 is in Bay County.
What is the population of 32409?: About 11,113 people (±1,196), according to the Census Bureau's American Community Survey 5-year estimates for 2020–2024. The 2020 Census counted 10,394.
What is the median household income in 32409?: $64,516 (±$12,034), 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 32409?: 10 USPS carrier routes with 4,838 residential and 137 business mailboxes (4,977 in all), from the route data stored by EDDM2GO. An EDDM mailing can target any combination of these routes.
What ZIP codes are near 32409?: The closest, measured center to center: 32444 (8 mi, Lynn Haven), 32405 (10.1 mi, Panama City), 32413 (10.6 mi, Panama City Beach), 32407 (10.9 mi, Panama City Beach), 32408 (13 mi, Upper Grand Lagoon) and 32401 (13.4 mi, Panama City).

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