Every ZIP code in the United States, with weather, radar, trivia and the numbers behind it. Five digits since 1963!

ZIP stands for Zone Improvement Plan. The codes went live on July 1, 1963.The lowest ZIP code is 00501 — the IRS in Holtsville, New York.The highest ZIP code is 99950, in Ketchikan, Alaska.Type 07734 into a calculator and turn it upside down: hELLO. It is Keansburg, New Jersey.12345 belongs to one company: General Electric in Schenectady, New York.The first digit is a region: 0 is New England and New Jersey, 9 is the West Coast, Alaska and Hawaii.Mr. ZIP, the cartoon mailman, was the mascot that sold the idea to America.ZIP+4 arrived in 1983 and can narrow a ZIP down to one side of one block.A ZIP code is a mail route, not a place: plenty of them cross county and even state lines.Play ZIP Hunt: guess the secret ZIP code of the day in six tries.
zipcodes.pro — CITY/FL/PANAMA-CITY-BEACH

Panama City Beach ZIP codes, Florida

Panama City Beach, FL has 2 ZIP codes (32413 and 32407) and area codes 850 and 448. The largest is 32413.

USPS city name
2 ZIP codes
Overlapping the city
1 more
Population
18,971
Area codes
850, 448
State
Florida

Mail addressed to Panama City Beach uses the ZIP codes above. 1 more ZIP code covers part of the city but is addressed as somewhere else; they are listed separately below.

Panama City Beach in numbers

About 18,971 people live in Panama City Beach, in 8,713 households. The median household income is $80,941 a year, 9% above the Florida median of $74,568 (US: $80,734). The median owner-occupied home is valued at $441,300 (23% above the Florida median), and median gross rent is $1,791 a month. The median age is 45.4; 38.0% of adults 25 and over hold a bachelor's degree or higher (34.1% across Florida); the average commute takes 21 minutes.

Population18,971Panama City Beach18,971
Households8,713Panama City Beach8,713
Median age45.4Panama City Beach45.4Florida42.6US 38.9
Median household income$80,941Panama City Beach$80,941Florida$74,568US $80,734
Median home value$441,300Panama City Beach$441,300Florida$359,000US $332,700
Median gross rent$1,791Panama City Beach$1,791Florida$1,669US $1,413
Bachelor's degree or higher38.0%Panama City Beach38.0%Florida34.1%US 35.7%
Mean commute20.7 minPanama City Beach20.7 minFlorida28.0 minUS 26.4 min
Population density982 / sq miPanama City Beach982 / sq mi

U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates, for the census place Panama City Beach city. Survey estimates carry margins of error, wider for small places. Sources and methods.

ZIP codes addressed as Panama City Beach

ZIP codes with the USPS city name Panama City Beach
ZIP City Type Population Median income Median home
32413 Panama City Beach , FL Standard 15,453 $80,039 $441,300
32407 Panama City Beach , FL Standard 16,404 $80,831 $404,200

Other ZIP codes overlapping Panama City Beach

These ZIP codes cover part of Panama City Beach but are addressed as somewhere else.

ZIP codes overlapping Panama City Beach
ZIP City Type Population Median income Median home
32408 Panama City , FL Standard 18,832 $80,822 $382,300

Map of Panama City Beach ZIP codes

3241332407

The ZIP codes of Panama City Beach, FL, shaded. Outlines are Census ZIP Code Tabulation Areas (2020), which approximate the mail routes; PO-box and single-address codes have no area and are not drawn. Click any area to open its ZIP code.

Towns near Panama City Beach

The nearest larger towns are Panama City (34,979 people, 13 mi), Lynn Haven (20,081 people, 14 mi) and Fort Walton Beach (21,025 people, 46 mi).

Towns near Panama City Beach
TownPopulationDistance
Laguna Beach 3,830 4.7 mi
Upper Grand Lagoon 17,232 8.4 mi
Lower Grand Lagoon 4,287 9.7 mi
Pretty Bayou 2,906 11.0 mi
Panama City 34,979 13.2 mi
Lynn Haven 20,081 14.3 mi
Cedar Grove 3,802 15.1 mi
Springfield 8,230 16.9 mi
Parker 4,509 18.1 mi
Callaway 13,496 20.9 mi
Freeport 6,689 23.8 mi
Miramar Beach 8,902 29.7 mi

More nearby: every ZIP code in Bay County · Florida ZIP codes

Cite this page

zipcodes.pro. “Panama City Beach, FL ZIP codes.” Data release 2026-10-12. Retrieved 2026-10-20. https://zipcodes.pro/city/fl/panama-city-beach

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