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US ZIP Code Profile

ZIP Code 32401
Panama City, Florida

ZIP code 32401 is in Panama City, located in Bay County, Florida, within the Panama City metro area. Its 2020 Census population was 20,487. The estimated median adjusted gross income per tax return is $34,500, and about 3% of filers report $200,000 or more.

2020 Population
20,487
Census ZCTA
County
Bay
FIPS 12005
Median income (est.)
$34,500
IRS SOI 2022
Land Area
10.699 mi²
+ 5.77 mi² water

01Location & Geography

Authoritative geographic identifiers from the U.S. Census Bureau, ANSI, and FIPS standards.

Primary CityPanama City, FL
CountyBay County (FIPS 12005)
StateFlorida (FIPS 12)
Metro Area (MSA)Panama City, FL Metro Area (37460)
Census Region / DivisionSouth Region · South Atlantic Division
Coordinates30.159737, -85.66092
Land / Water Area10.699 mi² land · 5.77 mi² water

02Income & Economics

Distribution of the 9,170 individual tax returns filed in 32401 by adjusted gross income bracket (IRS SOI, 2022).

< $25K
38.6%
$25K–$50K
30.0%
$50K–$75K
12.5%
$75K–$100K
7.0%
$100K–$200K
8.4%
$200K+
3.5%
The $200,000+ bracket accounts for 35% of 32401's total adjusted gross income, from 3% of returns — a concentration that drives the gap between the median ($34,500) and the average.
Estimated median = median adjusted gross income per tax return, interpolated from IRS SOI brackets. Differs from U.S. Census household income.

03Income Over Time

Year-over-year change in 32401's IRS income metrics, 2020–2022.

Median income (2021→2022)
$34,500
▲ 8.0%
Filers earning $200K+
3.5%
▼ 0.0 pt
Total filers
9,170
▲ 0.8%
GET /zipc/v2/zipcodes/32401/soi?year=… $28K 2020 $32K 2021 $34K 2022
Median = adjusted gross income per return, interpolated from IRS SOI brackets. Figures are nominal (not inflation-adjusted).

04Population Trend

Decennial U.S. Census population for the 32401 ZCTA.

2000
24,545
 
2010
22,647
▼ -7.7%
2020
20,487
▼ -9.5%

05Nearby ZIP Codes — Live Radius Search

Drag the slider to filter ZIP codes by distance from 32401. Powered by the same radius endpoint developers call from the API.

GET /zipc/v2/radius

ZIP codes within range of 32401

Panama City and its immediate neighbors, sorted by distance.

3 mi
GET /zipc/v2/distance

Distance from 32401 to any ZIP

Enter a 5-digit ZIP to calculate the distance.

06USPS Postal Details

Delivery and facility attributes from the monthly USPS dataset.

ZIP ClassificationNon-Unique Zip
Facility TypePost Office
Carrier Route SortD
USPS Finance Number117260
City AliasesPanama City, Panama City Beach, P C Beach

07Frequently Asked Questions

What county is ZIP code 32401 in?

ZIP code 32401 is in Bay County, Florida (county FIPS code 12005).

What city is ZIP code 32401?

The primary USPS city for 32401 is Panama City, FL.

What metro area (MSA) is 32401 in?

32401 is part of the Panama City, FL Metro Area (MSA code 37460).

What is the population of ZIP code 32401?

The 2020 Census population of 32401 was 20,487 residents.

What is the median income in ZIP code 32401?

Based on IRS Statistics of Income data, the estimated median adjusted gross income per tax return in 32401 is about $34,500, with around 3% of filers reporting $200,000 or more. Note that adjusted gross income is a tax measure and differs from U.S. Census household income.