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US ZIP Code Profile

ZIP Code 32404
Panama City, Florida

ZIP code 32404 is in Panama City, located in Bay County, Florida, within the Panama City metro area. Its 2020 Census population was 38,186. The estimated median adjusted gross income per tax return is $43,330, and about 2% of filers report $200,000 or more.

2020 Population
38,186
Census ZCTA
County
Bay
FIPS 12005
Median income (est.)
$43,330
IRS SOI 2022
Land Area
128.928 mi²
+ 18.546 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
Coordinates30.204645, -85.50175
Land / Water Area128.928 mi² land · 18.546 mi² water

02Income & Economics

Distribution of the 19,860 individual tax returns filed in 32404 by adjusted gross income bracket (IRS SOI, 2022).

< $25K
28.5%
$25K–$50K
29.2%
$50K–$75K
15.9%
$75K–$100K
10.4%
$100K–$200K
13.5%
$200K+
2.3%
The $200,000+ bracket accounts for 14% of 32404's total adjusted gross income, from 2% of returns — a concentration that drives the gap between the median ($43,330) 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 32404's IRS income metrics, 2020–2022.

Median income (2021→2022)
$43,330
▲ 5.3%
Filers earning $200K+
2.3%
▲ 0.2 pt
Total filers
19,860
▲ 5.3%
GET /zipc/v2/zipcodes/32404/soi?year=… $37K 2020 $41K 2021 $43K 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 32404 ZCTA.

2000
34,480
 
2010
38,425
▲ +11.4%
2020
38,186
▼ -0.6%

05USPS 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, Parker, Callaway

06Frequently Asked Questions

What county is ZIP code 32404 in?

ZIP code 32404 is in Bay County, Florida (county FIPS code 12005).

What city is ZIP code 32404?

The primary USPS city for 32404 is Panama City, FL.

What metro area (MSA) is 32404 in?

32404 is part of the Panama City, FL Metro Area (MSA code 37460).

What is the population of ZIP code 32404?

The 2020 Census population of 32404 was 38,186 residents.

What is the median income in ZIP code 32404?

Based on IRS Statistics of Income data, the estimated median adjusted gross income per tax return in 32404 is about $43,330, with around 2% of filers reporting $200,000 or more. Note that adjusted gross income is a tax measure and differs from U.S. Census household income.