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US ZIP Code Profile

ZIP Code 32413
Panama City Beach, Florida

ZIP code 32413 is in Panama City Beach, located in Bay County, Florida, within the Panama City metro area. Its 2020 Census population was 15,217. The estimated median adjusted gross income per tax return is $53,968, and about 10% of filers report $200,000 or more.

2020 Population
15,217
Census ZCTA
County
Bay
FIPS 12005
Median income (est.)
$53,968
IRS SOI 2022
Land Area
72.99 mi²
+ 7.918 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
Coordinates30.3103, -85.90531
Land / Water Area72.99 mi² land · 7.918 mi² water

02Income & Economics

Distribution of the 8,680 individual tax returns filed in 32413 by adjusted gross income bracket (IRS SOI, 2022).

< $25K
25.6%
$25K–$50K
22.1%
$50K–$75K
14.5%
$75K–$100K
9.9%
$100K–$200K
18.0%
$200K+
9.9%
The $200,000+ bracket accounts for 55% of 32413's total adjusted gross income, from 10% of returns — a concentration that drives the gap between the median ($53,968) 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 32413's IRS income metrics, 2020–2022.

Median income (2021→2022)
$53,968
▲ 10.1%
Filers earning $200K+
9.9%
▲ 1.3 pt
Total filers
8,680
▲ 9.5%
GET /zipc/v2/zipcodes/32413/soi?year=… $44K 2020 $49K 2021 $54K 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 32413 ZCTA.

2000
9,178
 
2010
13,128
▲ +43.0%
2020
15,217
▲ +15.9%

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, W Panama City Beach, West Panama City Beach, Rosemary Bch, Seacrest, Watersound, Alys Beach, P C Beach, Grande Pointe, Inlet Beach

06Frequently Asked Questions

What county is ZIP code 32413 in?

ZIP code 32413 is in Bay County, Florida (county FIPS code 12005).

What city is ZIP code 32413?

The primary USPS city for 32413 is Panama City Beach, FL.

What metro area (MSA) is 32413 in?

32413 is part of the Panama City, FL Metro Area (MSA code 37460).

What is the population of ZIP code 32413?

The 2020 Census population of 32413 was 15,217 residents.

What is the median income in ZIP code 32413?

Based on IRS Statistics of Income data, the estimated median adjusted gross income per tax return in 32413 is about $53,968, with around 10% of filers reporting $200,000 or more. Note that adjusted gross income is a tax measure and differs from U.S. Census household income.