ZIP code 32404: Panama City, FL
32404 is a ZIP code in Panama City, Florida, mainly in Bay County, part of the Panama City-Panama City Beach, FL metro area. About 42,514 people live here.
- Population
- 42,514
- Median household income
- $74,708
- Typical home value
- $283,100+0.8% in 12 months
- Median rent
- $1,399gross, per month
- Median age
- 37.1
- Homeowners
- 69.2%of occupied homes
Shaded: ZIP code 32404's area. Click anywhere on the map to see which ZIP code it's in.
ZIP codes within 10 milesWithin 25 miles
ZIP code 32404 details
| City | Panama City |
|---|---|
| State | Florida |
| County | Bay County |
| Metro area | Panama City-Panama City Beach, FL |
| Time zone | Central Time (UTC−6), observes daylight saving time |
| Type | Standard (delivery area) |
| Land area | 135 sq mi, plus 19 sq mi of water |
| Population density | 315 people per sq mi |
| Bachelor's degree or higher | 23.4% of adults 25+ |
| Average commute | 26.4 minutes |
| Center coordinates | 30.18502, -85.50738 |
Median rent in 32404 by bedrooms
| Size | Median gross rent |
|---|---|
| Studio | $1,171/mo |
| 1 bedroom | $1,247/mo |
| 2 bedrooms | $1,324/mo |
| 3 bedrooms | $1,726/mo |
| 4 bedrooms | $2,110/mo |
Gross rent includes utilities paid by the tenant. ACS 2020–2024; sizes with too few rentals to estimate are left out.
ZIP codes near 32404
| ZIP code | City | Distance | Population |
|---|---|---|---|
| 32401 | Panama City, FL | 8.0 mi | 18,947 |
| 32417 | Panama City, FL | 9.3 mi | — |
| 32444 | Lynn Haven, FL | 9.4 mi | 21,459 |
| 32405 | Panama City, FL | 9.7 mi | 29,984 |
| 32403 | Panama City, FL | 9.8 mi | 447 |
| 32406 | Panama City, FL | 11.5 mi | — |
| 32412 | Panama City, FL | 11.5 mi | — |
| 32402 | Panama City, FL | 11.5 mi | — |
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
Buying a home in 32404?
A typical home in ZIP code 32404 is worth about $283,100 (Zillow Home Value Index). The median household here earns $74,708 a year. See what buying here would cost per month, with Florida average taxes and insurance filled in.
Monthly payment for a $283,100 homeWhat can a $74,708 income afford?Rental property numbers
About ZIP code 32404
What city is ZIP code 32404?
ZIP code 32404 is in Panama City, FL, in Bay County.
What county is ZIP code 32404 in?
32404 is mainly in Bay County, Florida.
What is the population of ZIP code 32404?
About 42,514 people live in ZIP code 32404, according to the American Community Survey 2020–2024 5-year estimates.
What time zone is ZIP code 32404 in?
32404 is in Central Time (UTC−6). It observes daylight saving time.