Bay County, FL ZIP codes
There are 17 ZIP codes in Bay County, FL, in 6 towns, from 32401 to 32466. The largest are 32404 (Panama City), 32405 (Panama City) and 32444 (Lynn Haven).
The county seat is Panama City.
- ZIP codes
- 17
- Towns
- 6
- County seat
- Panama City
- County FIPS
12005- State
- Florida
- Population
- 186,393
- Median household income
- $73,533
- Land area
- 759 sq mi
- Metro area
- Panama City-Panama City Beach
Bay County ZIP codes by town
Each ZIP code is listed under the county most of its land lies in and the town the Postal Service names it for; a ZIP code's own page shows exactly how it is split.
Map of Bay County ZIP codes
The ZIP codes of Bay County, 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.
Bay County in numbers
About 186,393 people live in Bay County, in 78,778 households, the 30th most populous of Florida's 67 counties. The median household income is $73,533 a year, about the same as the Florida median of $74,568 (US: $80,734). The median owner-occupied home is valued at $310,500 (14% below the Florida median), and median gross rent is $1,484 a month. The median age is 41.0; 29.6% of adults 25 and over hold a bachelor's degree or higher (34.1% across Florida); the average commute takes 24 minutes.
| Population | 186,393 |
|---|---|
| Households | 78,778 |
| Median age | 41.0 |
| Median household income | $73,533 |
| Median home value | $310,500 |
| Median gross rent | $1,484 |
| Bachelor's degree or higher | 29.6% |
| Mean commute | 23.9 min |
| Population density | 246 / sq mi |
U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates. Survey estimates carry margins of error, wider for small places. Sources and methods.
Largest towns in Bay County
| Town | ZIP codes | Population |
|---|---|---|
| Panama City | 11 | 34,979 |
| Lynn Haven | 1 | 20,081 |
| Panama City Beach | 2 | 18,971 |
| Youngstown | 1 | 5,916 |
| Fountain | 1 | 4,815 |
| Mexico Beach | 1 | 1,099 |
Population of the census place of that name where there is one, otherwise of the ZIP codes the Postal Service addresses by it. A town's ZIP codes can reach past the county line.
Neighbouring counties
Counties that share a ZIP code with Bay County.
- Walton County (10)
- Jackson County (13)
- Washington County (5)
- Gulf County (3)
- Calhoun County (4)
- Franklin County (6)
Not sure you are in Bay County? What county am I in? answers from your location, near a county line included.
Every ZIP code in Bay County, with figures
| ZIP | City | Type | Population | Median income | Median home |
|---|---|---|---|---|---|
32401 | Panama City , FL | Standard | 18,947 | $52,523 | $230,500 |
32402 | Panama City , FL | No street area | — | — | — |
32403 | Panama City , FL | Standard | 447 | $118,594 | — |
32404 | Panama City , FL | Standard | 42,514 | $74,708 | $273,500 |
32405 | Panama City , FL | Standard | 29,984 | $73,373 | $279,900 |
32406 | Panama City , FL | No street area | — | — | — |
32407 | Panama City Beach , FL | Standard | 16,404 | $80,831 | $404,200 |
32408 | Panama City , FL | Standard | 18,832 | $80,822 | $382,300 |
32409 | Panama City , FL | Standard | 11,113 | $64,516 | $275,700 |
32410 | Mexico Beach , FL | Standard | 550 | $63,606 | $460,900 |
32411 | Panama City , FL | No street area | — | — | — |
32412 | Panama City , FL | No street area | — | — | — |
32413 | Panama City Beach , FL | Standard | 15,453 | $80,039 | $441,300 |
32417 | Panama City , FL | No street area | — | — | — |
32438 | Fountain , FL | Standard | 4,815 | $50,000 | $153,700 |
32444 | Lynn Haven , FL | Standard | 21,459 | $83,160 | $331,000 |
32466 | Youngstown , FL | Standard | 5,916 | $60,337 | $179,600 |
Cite this page
zipcodes.pro. “Bay County ZIP codes.” Data release 2026-10-12. Retrieved 2026-10-20. https://zipcodes.pro/state/fl/county/bay
Underlying data is public domain or openly licensed — sources, vintages and licences.