Panama City-Panama City Beach, FL metro area ZIP codes

The Panama City-Panama City Beach, FL metropolitan statistical area (CBSA 37460) covers 2 counties in Florida and 22 ZIP codes.

ZIP codes: 22
Population: 209,886
Avg. median income: $71,300population-weighted
Counties: 2

Loading map…

Click anywhere on the map to see which ZIP code it's in.

Counties in the Panama City-Panama City Beach, FL area

Bay County, FL (central)
Washington County, FL

ZIP codes in the Panama City-Panama City Beach, FL area

ZIP codes in the Panama City-Panama City Beach, FL area
ZIP code	City	County	Population	Median income	Typical home value
32401	Panama City	Bay County	18,947	$52,523	$215,700
32402 PO Box	Panama City	Bay County	—	—	—
32403	Panama City	Bay County	447	$118,594	—
32404	Panama City	Bay County	42,514	$74,708	$283,100
32405	Panama City	Bay County	29,984	$73,373	$289,000
32406 PO Box	Panama City	Bay County	—	—	—
32407	Panama City Beach	Bay County	16,404	$80,831	$393,100
32408	Panama City	Bay County	18,832	$80,822	$370,700
32409	Panama City	Bay County	11,113	$64,516	$372,100
32410	Mexico Beach	Bay County	550	$63,606	$460,900
32411 PO Box	Panama City	Bay County	—	—	—
32412 PO Box	Panama City	Bay County	—	—	—
32413	Panama City Beach	Bay County	15,453	$80,039	$470,300
32417 PO Box	Panama City	Bay County	—	—	—
32427	Caryville	Washington County	1,030	$62,625	$187,300
32428	Chipley	Washington County	17,950	$57,493	$227,900
32437	Ebro	Washington County	424	$46,477	$183,800
32438	Fountain	Bay County	4,815	$50,000	$161,600
32444	Lynn Haven	Bay County	21,459	$83,160	$323,100
32462	Vernon	Washington County	3,920	$50,662	$182,900
32463	Wausau	Washington County	128	$64,643	$66,900
32466	Youngstown	Bay County	5,916	$60,337	$267,500

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

Frequently asked questions

How many ZIP codes are in the Panama City-Panama City Beach, FL metro area?

22 ZIP codes, based on each ZIP code's main county.

Which counties make up the Panama City-Panama City Beach, FL area?

Bay County and Washington County.

What is an MSA?

A metropolitan statistical area (MSA) is a core city of 50,000+ people plus the surrounding counties tied to it by commuting, as defined by the U.S. Office of Management and Budget. Micropolitan areas have a core of 10,000–50,000. Together they are called core-based statistical areas (CBSAs).