Richest ZIP codes in Bay County, FL
These are the 11 ZIP codes in Bay County with the highest median household income, out of 11 with at least 1,000 residents. 32444 (Lynn Haven, $83,160), 32407 (Panama City Beach, $80,831) and 32408 (Panama City, $80,822) 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.
Richest ZIP codes in Bay County
| Rank | ZIP | Mailing city | Median household income | Residents | Households | Residential mailboxes |
|---|---|---|---|---|---|---|
| 1 | 32444 | Lynn Haven | $83,160 ±$12,586 | 21,459 | 8,682 | 9,120 |
| 2 | 32407 | Panama City Beach | $80,831 ±$5,949 | 16,404 | 7,009 | 10,765 |
| 3 | 32408 | Panama City | $80,822 ±$5,586 | 18,832 | 9,135 | 14,459 |
| 4 | 32413 | Panama City Beach | $80,039 ±$4,643 | 15,453 | 7,534 | 14,319 |
| 5 | 32404 | Panama City | $74,708 ±$3,972 | 42,514 | 16,158 | 20,971 |
| 6 | 32405 | Panama City | $73,373 ±$4,960 | 29,984 | 12,433 | 14,681 |
| 7 | 32456 | Port Saint Joe | $64,681 ±$13,691 | 7,510 | 3,708 | 6,076 |
| 8 | 32409 | Panama City | $64,516 ±$12,034 | 11,113 | 4,117 | 4,838 |
| 9 | 32466 | Youngstown | $60,337 ±$6,288 | 5,916 | 2,522 | 2,735 |
| 10 | 32401 | Panama City | $52,523 ±$3,748 | 18,947 | 8,951 | 10,670 |
| 11 | 32438 | Fountain | $50,000 ±$18,294 | 4,815 | 1,810 | 1,962 |
How we ranked them
Ranked by median household income (ACS 5-year estimates, 2020–2024). The Census Bureau caps published medians at $250,000; ZIP codes at the cap are shown as $250,000+ and ordered by population. ZIP codes need at least 1,000 residents to be ranked; 11 of 14 qualify.
Which of these to mail, and why
Higher-income ZIP codes suit offers with a bigger ticket: remodeling, pools, roofing, financial planning, private schools, premium dining. A median describes the middle household, not every door, so the routes inside each ZIP still vary.
The top five ZIP codes on this list hold 48,518 households, on 85 carrier routes with 69,634 residential mailboxes. Open any of them on the route map to see each carrier route's own figures before you choose.
Open 32444 on the EDDM route map
More rankings
- ZIP codes with the highest home values in Bay County
- ZIP codes with the highest homeownership in Bay County
- ZIP codes with the most families with kids in Bay County
- ZIP codes with the most new movers in Bay County
- Youngest ZIP codes in Bay County
- Oldest ZIP codes in Bay County
- Fastest-growing ZIP codes in Bay County
- All Bay County ZIP codes
Businesses that mail these ZIP codes
Map it and price it
EDDM guides
Frequently asked questions
- Which ZIP code in Bay County has the highest median household income?
- 32444 (Lynn Haven), at $83,160 (±$12,586), among 11 ZIP codes with at least 1,000 residents.
- How is this ranking calculated?
- Ranked by median household income (ACS 5-year estimates, 2020–2024). The Census Bureau caps published medians at $250,000; ZIP codes at the cap are shown as $250,000+ and ordered by population.
- 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.