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US ZIP Code Profile

ZIP Code 32409
Panama City, Florida

ZIP code 32409 is in Panama City, located in Bay County, Florida, within the Panama City metro area. Its 2020 Census population was 10,394. The estimated median adjusted gross income per tax return is $49,271, and about 5% of filers report $200,000 or more.

2020 Population
10,394
Census ZCTA
County
Bay
FIPS 12005
Median income (est.)
$49,271
IRS SOI 2022
Land Area
75.636 mi²
+ 7.429 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
Coordinates30.356762, -85.65369
Land / Water Area75.636 mi² land · 7.429 mi² water

02Income & Economics

Distribution of the 4,970 individual tax returns filed in 32409 by adjusted gross income bracket (IRS SOI, 2022).

< $25K
26.6%
$25K–$50K
24.1%
$50K–$75K
14.1%
$75K–$100K
10.7%
$100K–$200K
19.1%
$200K+
5.4%
The $200,000+ bracket accounts for 31% of 32409's total adjusted gross income, from 5% of returns — a concentration that drives the gap between the median ($49,271) 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 32409's IRS income metrics, 2020–2022.

Median income (2021→2022)
$49,271
▲ 7.1%
Filers earning $200K+
5.4%
▲ 0.5 pt
Total filers
4,970
▲ 2.3%
GET /zipc/v2/zipcodes/32409/soi?year=… $43K 2020 $46K 2021 $49K 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 32409 ZCTA.

2000
7,360
 
2010
8,691
▲ +18.1%
2020
10,394
▲ +19.6%

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, Southport

06Frequently Asked Questions

What county is ZIP code 32409 in?

ZIP code 32409 is in Bay County, Florida (county FIPS code 12005).

What city is ZIP code 32409?

The primary USPS city for 32409 is Panama City, FL.

What metro area (MSA) is 32409 in?

32409 is part of the Panama City, FL Metro Area (MSA code 37460).

What is the population of ZIP code 32409?

The 2020 Census population of 32409 was 10,394 residents.

What is the median income in ZIP code 32409?

Based on IRS Statistics of Income data, the estimated median adjusted gross income per tax return in 32409 is about $49,271, with around 5% of filers reporting $200,000 or more. Note that adjusted gross income is a tax measure and differs from U.S. Census household income.