Bay County, FL ZIP Codes
14 ZIP codes cover all or part of Bay County, Florida. The Census Bureau counts 186,393 residents in the county, with a median household income of $73,533 and a median home value of $310,500. Median household income ranges from $50,000 in 32438 to $83,160 in 32444. Its largest communities include Panama City, Lynn Haven, Panama City Beach, Upper Grand Lagoon and Callaway.
Bay County (Census county figures)
| Measure | Census figure |
|---|---|
| Residents | 186,393 |
| Households | 78,778 |
| Median household income | $73,533 |
| Median home value | $310,500 |
| Median age | 41 |
| Median rent | $1,484 |
All 14 ZIP codes together
| Measure | Value |
|---|---|
| Residents (sum of ZIP codes) | 194,368 |
| Households (sum of ZIP codes) | 82,618 |
| Median household income, range across ZIP codes | $50,000 (32438) to $83,160 (32444) |
| Household-weighted average of ZIP medians (an approximation, not a true median) | $72,722 |
| Homeowners | 67.6% |
| Households with kids under 18 | 27.6% |
| Moved in the past year | 17.5% |
| Carrier routes in EDDM2GO's route library | 153 routes, 111,142 homes (13 of 14 ZIP codes) |
Top facts
- Highest median household income in Bay County: 32444 ($83,160)
- Most residents: 32404 (42,514 people)
- Highest homeownership: 32409 (92.2% own their home)
- Most households with kids: 32444 (37.0% of households)
- Most new movers: 32405 (23.8% moved in last year)
- Youngest median age: 32405 (36.2 years)
- Highest median home value: 32413 ($441,300)
Every ZIP code in Bay County
| ZIP | Mailing city | Residents | Households | Median income | Home value | Homeowners | With kids | New movers | Carrier routes | Mailboxes | Why listed |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 32404 | Panama City | 42,514 | 16,158 | $74,708 | $273,500 | 69.2% | 32.8% | 17.4% | 29 | 21,556 | 100% of its land |
| 32405 | Panama City | 29,984 | 12,433 | $73,373 | $279,900 | 59.5% | 29.5% | 23.8% | 20 | 16,146 | 100% of its land |
| 32444 | Lynn Haven | 21,459 | 8,682 | $83,160 | $331,000 | 69.8% | 37.0% | 19.0% | 13 | 9,470 | 100% of its land |
| 32401 | Panama City | 18,947 | 8,951 | $52,523 | $230,500 | 60.3% | 22.4% | 17.5% | 14 | 11,866 | 100% of its land |
| 32408 | Panama City | 18,832 | 9,135 | $80,822 | $382,300 | 63.0% | 20.1% | 14.5% | 13 | 15,015 | 100% of its land |
| 32407 | Panama City Beach | 16,404 | 7,009 | $80,831 | $404,200 | 56.4% | 25.3% | 22.7% | 12 | 11,520 | 100% of its land |
| 32413 | Panama City Beach | 15,453 | 7,534 | $80,039 | $441,300 | 70.2% | 16.5% | 16.0% | 18 | 15,108 | 100% of its land |
| 32409 | Panama City | 11,113 | 4,117 | $64,516 | $275,700 | 92.2% | 32.7% | 10.0% | 10 | 4,977 | 100% of its land |
| 32456 | Port Saint Joe | 7,510 | 3,708 | $64,681 | $378,500 | 82.1% | 23.5% | 12.3% | 13 | 6,493 | 18% of its land |
| 32466 | Youngstown | 5,916 | 2,522 | $60,337 | $179,600 | 84.0% | 34.2% | 5.0% | 5 | 2,827 | 65% of its land |
| 32438 | Fountain | 4,815 | 1,810 | $50,000 | $153,700 | 82.4% | 31.7% | 7.5% | 4 | 1,987 | 77% of its land |
| 32410 | Mexico Beach | 550 | 295 | $63,606 | $460,900 | 73.2% | 8.8% | 34.4% | — | — | 100% of its land |
| 32403 | Panama City | 447 | 71 | $118,594 | — | 0.0% | 91.5% | 46.2% | 1 | 309 | 100% of its land |
| 32437 | Ebro | 424 | 193 | $46,477 | $183,800 | 74.6% | 23.3% | 6.8% | 1 | 253 | 23% of its land |
A ZIP code is listed for Bay County when at least 10% of its land is in the county, when it holds at least 10% of the county's land, or when the county is its main county. Totals add up whole ZIP codes, including parts that cross the county line; the Census county figures above do not.
Cities and communities
- Panama City — 34,979 residents · 6 ZIP codes
- Lynn Haven — 20,081 residents · 3 ZIP codes
- Panama City Beach — 18,971 residents · 2 ZIP codes
- Upper Grand Lagoon — 17,232 residents · 2 ZIP codes
- Callaway — 13,496 residents · 1 ZIP code
- Springfield — 8,230 residents · 3 ZIP codes
- Parker — 4,509 residents · 1 ZIP code
- Lower Grand Lagoon — 4,287 residents · 1 ZIP code
- Laguna Beach — 3,830 residents · 1 ZIP code
- Cedar Grove — 3,802 residents · 2 ZIP codes
- Pretty Bayou — 2,906 residents · 1 ZIP code
- Mexico Beach — 1,099 residents · 2 ZIP codes
- Tyndall AFB — 447 residents · 1 ZIP code
Rankings
- Richest ZIP codes in Bay County — 11 ZIP codes ranked
- ZIP codes with the highest home values in Bay County — 11 ZIP codes ranked
- ZIP codes with the highest homeownership in Bay County — 11 ZIP codes ranked
- ZIP codes with the most families with kids in Bay County — 11 ZIP codes ranked
- ZIP codes with the most new movers in Bay County — 11 ZIP codes ranked
- Youngest ZIP codes in Bay County — 11 ZIP codes ranked
- Oldest ZIP codes in Bay County — 11 ZIP codes ranked
- Fastest-growing ZIP codes in Bay County — 11 ZIP codes ranked
Price a mailing to Bay County ZIP codes
EDDM guides
Pick carrier routes on the EDDM route map
Frequently asked questions
- What ZIP codes are in Bay County, FL?
- 32404, 32405, 32444, 32401, 32408, 32407, 32413, 32409, 32456, 32466, 32438, 32410, 32403 and 32437. Some cross the county line; the table shows each ZIP's share of land in the county.
- What is the population of Bay County?
- 186,393 residents in 78,778 households (ACS 5-year estimates, 2020–2024).
- What is the median household income in Bay County?
- $73,533 for the county as a whole. Its ZIP codes range from $50,000 (32438) to $83,160 (32444).
- Which Bay County ZIP code has the highest median household income?
- 32444, at $83,160, among ZIP codes with at least 1,000 residents. See the full ranking of Bay County ZIP codes by income.
- How many carrier routes and mailboxes are in Bay County?
- For the 13 of 14 ZIP codes in EDDM2GO's stored route library: 153 carrier routes reaching 111,142 residential and 6,341 business mailboxes. The route map loads the rest when you search them.
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.