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US ZIP Code Profile

ZIP Code 32408
Panama City, Florida

ZIP code 32408 is in Panama City, located in Bay County, Florida, within the Panama City metro area. Its 2020 Census population was 17,479. The estimated median adjusted gross income per tax return is $48,429, and about 9% of filers report $200,000 or more.

2020 Population
17,479
Census ZCTA
County
Bay
FIPS 12005
Median income (est.)
$48,429
IRS SOI 2022
Land Area
10.558 mi²
+ 15.364 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
Coordinates30.142467, -85.728035
Land / Water Area10.558 mi² land · 15.364 mi² water

02Income & Economics

Distribution of the 8,020 individual tax returns filed in 32408 by adjusted gross income bracket (IRS SOI, 2022).

< $25K
27.7%
$25K–$50K
23.8%
$50K–$75K
13.3%
$75K–$100K
9.0%
$100K–$200K
17.1%
$200K+
9.1%
The $200,000+ bracket accounts for 51% of 32408's total adjusted gross income, from 9% of returns — a concentration that drives the gap between the median ($48,429) 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 32408's IRS income metrics, 2020–2022.

Median income (2021→2022)
$48,429
▲ 4.0%
Filers earning $200K+
9.1%
▲ 0.4 pt
Total filers
8,020
▲ 1.3%
GET /zipc/v2/zipcodes/32408/soi?year=… $42K 2020 $47K 2021 $48K 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 32408 ZCTA.

2000
12,771
 
2010
15,352
▲ +20.2%
2020
17,479
▲ +13.9%

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, Panama City Beach, P C Beach

06Frequently Asked Questions

What county is ZIP code 32408 in?

ZIP code 32408 is in Bay County, Florida (county FIPS code 12005).

What city is ZIP code 32408?

The primary USPS city for 32408 is Panama City, FL.

What metro area (MSA) is 32408 in?

32408 is part of the Panama City, FL Metro Area (MSA code 37460).

What is the population of ZIP code 32408?

The 2020 Census population of 32408 was 17,479 residents.

What is the median income in ZIP code 32408?

Based on IRS Statistics of Income data, the estimated median adjusted gross income per tax return in 32408 is about $48,429, with around 9% of filers reporting $200,000 or more. Note that adjusted gross income is a tax measure and differs from U.S. Census household income.