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32403
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  2. ZIP Codes
  3. ZIP Code 32403
Florida (FL)Bay CountyPanama City-Panama City Beach448850

ZIP Code 32403 — Panama City, FL

Bay County * Panama City-Panama City Beach metro

Compare

447

Population

$118.6K

Median income

per household

4.3%

Poverty rate

What stands out

  • Median household income: $118.6K (top 10% vs US ZIP codes).
  • Poverty rate: 4.3% (low poverty; bottom quartile vs US ZIP codes).

Categories vs U.S.

Economy

3 of 4 metrics better than U.S. benchmarks

Rental strain: 36.6% of renter households are rent-burdened (≥30% of income).

Median household income

$118.6K

U.S.

$81K

Per-capita income

$34.9K

U.S.

$45K

Housing stress

Rent-burdened renters (≥30%)

36.6%

U.S.

51.1%

Severely rent-burdened (≥50%)

4.2%

U.S.

25.9%

Affordability Ratios

Rent-to-Income

24.5%

Below 30% threshold

Income distribution

Share of households by income bracket (ACS).

< $50k
4.2%
$50–100k
32.4%
$100–200k
63.4%
$200k+
0.0%

Health

4 of 6 available metrics better than U.S.

CDC PLACES modeled ZCTA-level estimates (adult prevalence).

Obesity

26.4%

U.S.

33.3%

Diabetes

5.0%

U.S.

12.0%

Current smoking

9.7%

U.S.

13.1%

Connectivity

3 of 3 metrics better than U.S.

Best available speed

1,000Mbps

Gigabit speeds reported

100+ Mbps coverage

93.7%

U.S.

85.3%

Gigabit ready

22.8%

U.S.

8.6%

5G available

94.6%

U.S.

77.4%

Learning

Education metrics come from ACS 5-year estimates for ZIP Code Tabulation Areas (ZCTAs).

Bachelor's degree+ (age 25+)

35.6%

U.S.

35.7%

ZIP-level estimates can have higher margins of error than county/state totals; treat small differences as noise.

School districts

Bay County School District

Map

ZIP 32403

Panama City, FL

Population

447

Area

44.2 sq mi

Density

10.1/sq mi

Neighbors

32401324043241032456
More Details

Census Tracts

1 tracts overlap this ZIP. Hover over segments to explore.

100%

Tract 7

100%

Total tracts: 1Coverage: 100.0%

Representation

U.S. House

ZIP codes can span multiple congressional districts. Overlap percentages are approximate by land area. Verify by address.

100%

FL-2

100%

Districts: 1Coverage: 100.0%

Data freshness

ACS 5-Year
2020–2024
CDC PLACES
2025
Broadband
2020-12
Mobile
2025-11-24
Page Updated
2026-02-23

Release schedule and upstream dates: Sources.

Data sources

US Census Bureau (ACS 5-year)HUD USPS ZIP crosswalkUS Census TIGER/Line (geometry inputs)US Census TIGER/Line (school districts)US Census Bureau (ZCTA-to-tract relationship, 2020)US Census Bureau (2020 ZCTA-to-congressional-district relationship file, CD119)CDC PLACES (ZCTA)FCC (Form 477 broadband)FCC (Mobile Broadband Data Collection)

Derived statistics

  • ZIP pages use Census ZIP Code Tabulation Areas (ZCTAs), not USPS delivery routes.
  • Population density is computed as population ÷ land area.
  • Overlap percentages (tracts and districts) are derived from map geometry and are approximate.

Data accuracy & methodology

ZIP pages combine 2020–2024 ACS 5-year ZCTA estimates with other public datasets when available (see Sources). Connectivity metrics use FCC coverage data, not ACS. ZIP-level estimates can have higher margins of error than county/state totals; treat small differences as statistical noise rather than precise changes.