Bay County, Florida ZIP codes
17 ZIP codes are in Bay County, plus 4 that cross in from neighboring counties. It's part of the Panama City-Panama City Beach, FL metro area.
- ZIP codes
- 17
- Population in these ZIPs
- 186,434
- Avg. median income
- $73,200population-weighted
- Cities & towns
- 6
Click anywhere on the map to see which ZIP code it's in.
ZIP codes in Bay County
| ZIP code | City | Population | Median income | Typical home value |
|---|---|---|---|---|
| 32401 | Panama City | 18,947 | $52,523 | $215,700 |
| 32402 PO Box | Panama City | — | — | — |
| 32403 | Panama City | 447 | $118,594 | — |
| 32404 | Panama City | 42,514 | $74,708 | $283,100 |
| 32405 | Panama City | 29,984 | $73,373 | $289,000 |
| 32406 PO Box | Panama City | — | — | — |
| 32407 | Panama City Beach | 16,404 | $80,831 | $393,100 |
| 32408 | Panama City | 18,832 | $80,822 | $370,700 |
| 32409 | Panama City | 11,113 | $64,516 | $372,100 |
| 32410 | Mexico Beach | 550 | $63,606 | $460,900 |
| 32411 PO Box | Panama City | — | — | — |
| 32412 PO Box | Panama City | — | — | — |
| 32413 | Panama City Beach | 15,453 | $80,039 | $470,300 |
| 32417 PO Box | Panama City | — | — | — |
| 32438 | Fountain | 4,815 | $50,000 | $161,600 |
| 32444 | Lynn Haven | 21,459 | $83,160 | $323,100 |
| 32466 | Youngstown | 5,916 | $60,337 | $267,500 |
ZIP codes partly in Bay County
These ZIP codes are mostly in a neighboring county but cover part of Bay County.
| ZIP code | City | County | Population | Median income | Typical home value |
|---|---|---|---|---|---|
| 32428 | Chipley | Washington County | 17,950 | $57,493 | $227,900 |
| 32437 | Ebro | Washington County | 424 | $46,477 | $183,800 |
| 32456 | Port Saint Joe | Gulf County | 7,510 | $64,681 | $479,900 |
| 32462 | Vernon | Washington County | 3,920 | $50,662 | $182,900 |
Population and median household income: ACS 2020–2024 5-year estimates. Typical home value: Zillow Home Value Index (September 2026) where available, otherwise the ACS median owner-reported value. "PO Box" marks ZIP codes with no delivery area of their own. Methodology
Cities and towns in Bay County
Nearby counties
Frequently asked questions
How many ZIP codes are in Bay County, Florida?
17 ZIP codes are mainly in Bay County, and 4 more ZIP codes from neighboring areas reach partly into it.
What cities are in Bay County?
ZIP codes in Bay County use the city names Fountain, Lynn Haven, Mexico Beach, Panama City, Panama City Beach and Youngstown.
What metro area is Bay County in?
Bay County is part of the Panama City-Panama City Beach, FL metropolitan statistical area.