ZIP codes with the highest homeownership in Panama City, FL
These are the 5 ZIP codes in Panama City, FL with the highest share of owner-occupied homes, out of 5 with at least 1,000 residents. 32409 (Panama City, 92.2%), 32404 (Panama City, 69.2%) and 32408 (Panama City, 63.0%) lead the list. There is no single "best" ZIP code in Panama City; 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 Panama City
| 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 | 32404 | Panama City | 69.2% ±3.1% | 42,514 | 16,158 | 20,971 |
| 3 | 32408 | Panama City | 63.0% ±4.3% | 18,832 | 9,135 | 14,459 |
| 4 | 32401 | Panama City | 60.3% ±4.1% | 18,947 | 8,951 | 10,670 |
| 5 | 32405 | Panama City | 59.5% ±4.1% | 29,984 | 12,433 | 14,681 |
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; 5 of 6 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 50,794 households, on 86 carrier routes with 65,619 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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- All Panama City ZIP codes
Businesses that mail these ZIP codes
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EDDM guides
Frequently asked questions
- Which ZIP code in Panama City has the highest share of owner-occupied homes?
- 32409 (Panama City), at 92.2% (±3.3%), among 5 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.