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US ZIP Code Profile

ZIP Code 32407
Panama City Beach, Florida

ZIP code 32407 is in Panama City Beach, located in Bay County, Florida, within the Panama City metro area. Its 2020 Census population was 14,366. The estimated median adjusted gross income per tax return is $42,564, and about 6% of filers report $200,000 or more.

2020 Population
14,366
Census ZCTA
County
Bay
FIPS 12005
Median income (est.)
$42,564
IRS SOI 2022
Land Area
13.879 mi²
+ 4.038 mi² water

01Location & Geography

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

Primary CityPanama City Beach, FL
CountyBay County (FIPS 12005)
StateFlorida (FIPS 12)
Metro Area (MSA)Panama City, FL Metro Area (37460)
Census Region / DivisionSouth Region · South Atlantic Division
Coordinates30.198324, -85.790695
Land / Water Area13.879 mi² land · 4.038 mi² water

02Income & Economics

Distribution of the 8,400 individual tax returns filed in 32407 by adjusted gross income bracket (IRS SOI, 2022).

< $25K
33.7%
$25K–$50K
23.2%
$50K–$75K
13.1%
$75K–$100K
8.8%
$100K–$200K
14.8%
$200K+
6.4%
The $200,000+ bracket accounts for 38% of 32407's total adjusted gross income, from 6% of returns — a concentration that drives the gap between the median ($42,564) 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 32407's IRS income metrics, 2020–2022.

Median income (2021→2022)
$42,564
▼ 3.6%
Filers earning $200K+
6.4%
▼ 0.2 pt
Total filers
8,400
▲ 7.4%
GET /zipc/v2/zipcodes/32407/soi?year=… $42K 2020 $44K 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 32407 ZCTA.

2000
6,030
 
2010
9,347
▲ +55.0%
2020
14,366
▲ +53.7%

05USPS Postal Details

Delivery and facility attributes from the monthly USPS dataset.

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

06Frequently Asked Questions

What county is ZIP code 32407 in?

ZIP code 32407 is in Bay County, Florida (county FIPS code 12005).

What city is ZIP code 32407?

The primary USPS city for 32407 is Panama City Beach, FL.

What metro area (MSA) is 32407 in?

32407 is part of the Panama City, FL Metro Area (MSA code 37460).

What is the population of ZIP code 32407?

The 2020 Census population of 32407 was 14,366 residents.

What is the median income in ZIP code 32407?

Based on IRS Statistics of Income data, the estimated median adjusted gross income per tax return in 32407 is about $42,564, with around 6% of filers reporting $200,000 or more. Note that adjusted gross income is a tax measure and differs from U.S. Census household income.