Which ZIP code in Bay County has the highest share of owner-occupied homes?

32409 (Panama City), at 92.2% (±3.3%), among 11 ZIP codes with at least 1,000 residents.

Why are some ZIP codes missing?

ZIP codes with fewer than 1,000 residents are left out because their survey estimates swing too much to rank, and so are ZIP codes where the Census Bureau did not publish this figure.

ZIP codes with the highest homeownership in Bay County, FL

These are the 11 ZIP codes in Bay County with the highest share of owner-occupied homes, out of 11 with at least 1,000 residents. 32409 (Panama City, 92.2%), 32466 (Youngstown, 84.0%) and 32438 (Fountain, 82.4%) lead the list. There is no single "best" ZIP code in Bay County; the right one depends on who you want to reach, so the same ZIP codes are ranked several ways below.

ZIP codes with the highest homeownership in Bay County

Rank	ZIP	Mailing city	Owner-occupied homes	Residents	Households	Residential mailboxes
1	32409	Panama City	92.2% ±3.3%	11,113	4,117	4,838
2	32466	Youngstown	84.0% ±6.0%	5,916	2,522	2,735
3	32438	Fountain	82.4% ±11.4%	4,815	1,810	1,962
4	32456	Port Saint Joe	82.1% ±4.5%	7,510	3,708	6,076
5	32413	Panama City Beach	70.2% ±3.7%	15,453	7,534	14,319
6	32444	Lynn Haven	69.8% ±4.2%	21,459	8,682	9,120
7	32404	Panama City	69.2% ±3.1%	42,514	16,158	20,971
8	32408	Panama City	63.0% ±4.3%	18,832	9,135	14,459
9	32401	Panama City	60.3% ±4.1%	18,947	8,951	10,670
10	32405	Panama City	59.5% ±4.1%	29,984	12,433	14,681
11	32407	Panama City Beach	56.4% ±5.0%	16,404	7,009	10,765

How we ranked them

Ranked by the share of occupied homes that are owner-occupied (ACS 5-year estimates, 2020–2024). ZIP codes need at least 1,000 residents to be ranked; 11 of 14 qualify.

Which of these to mail, and why

Homeowners make the decisions about roofs, HVAC, lawns, solar and insurance. A high owner share means fewer pieces wasted on renters who can't hire the work.

The top five ZIP codes on this list hold 19,691 households, on 50 carrier routes with 29,930 residential mailboxes. Open any of them on the route map to see each carrier route's own figures before you choose.

Open 32409 on the EDDM route map

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Businesses that mail these ZIP codes

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Frequently asked questions

Which ZIP code in Bay County has the highest share of owner-occupied homes?: 32409 (Panama City), at 92.2% (±3.3%), among 11 ZIP codes with at least 1,000 residents.
How is this ranking calculated?: Ranked by the share of occupied homes that are owner-occupied (ACS 5-year estimates, 2020–2024).
Why are some ZIP codes missing?: ZIP codes with fewer than 1,000 residents are left out because their survey estimates swing too much to rank, and so are ZIP codes where the Census Bureau did not publish this figure.

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