Panama City is a city in Bay County, Florida, home to about 34,979 people across 35 square miles. Its ZIP codes are 32401, 32404 and 32405.
Homes sold for a median of $196 per square foot across 3 ZIP codes in the three months ending August 2026, and 0 of 3 were seller’s markets.
Mostly Panama City; also Springfield and Cedar Grove
Mostly Panama City; also Callaway and Parker
Mostly Panama City; also Cedar Grove and Lynn Haven
Each card is that ZIP code’s whole market, including any part outside Panama City. Seller’s market: under 4 months of supply; buyer’s market: over 6. Methodology
We’re writing up Panama City’s story and what everyday life there is like, for people thinking about moving in.
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| Nearest major airport | Pensacola International Airport (PNS)95 miles away |
|---|---|
| Closer regional airport | Northwest Florida Beaches International Airport (ECP)16 miles away |
| Nearest city of 250,000+ | Jacksonville, FL237 miles away |
| Nearest city of 1 million+ | Houston, TX585 miles away |
Straight-line distances from the center of Panama City; driving is longer.
Source: Airports from OurAirports (scheduled passenger service); city centers and populations from the U.S. Census Bureau.
Source: Members of Congress from the congress-legislators project; districts from the Census Bureau’s relationship files; governor and mayor from Wikidata.
Panama City had 32,939 residents in the 2020 census, down 10% since 2000.
It’s the 125th largest of 954 towns in Florida by population.
Bay County grew from 11,407 residents in 1920 to 175,216 in 2020.
Bay County, 1920–2020
Source: U.S. Census Bureau decennial censuses (counties 1900–1990 from the Bureau’s historical county file).
Average highs peak around 91°F in summer, and winter lows average 43°F. About 61.3 inches of rain and melted snow fall in a typical year.
Source: NOAA 1991–2020 climate normals, Panama City 5n, FL weather station (6 miles away).
62,282 jobs at 5,306 businesses in Bay County. The biggest industries by employees:
Source: U.S. Census Bureau County Business Patterns 2023 (private employers; jobs counted where people work).
1,481 doctors and other health care providers list an office in Panama City’s ZIP codes.
Nearest hospitals
Providers with an office here
| Primary care doctors | 108 |
|---|---|
| Specialist doctors | 273 |
| Dentists | 82 |
| Nurse practitioners and physician assistants | 403 |
| Mental health providers | 452 |
| Physical and occupational therapists | 108 |
| Optometrists | 23 |
| Chiropractors | 32 |
| Pharmacies | 31 |
Source: Hospitals from CMS Hospital General Information (ratings are CMS overall star ratings); straight-line distances; providers from the CMS National Plan and Provider Enumeration System (NPPES), by practice address and primary specialty.
Parks (20 nearby)
Grocery stores (13 nearby)
Pharmacies (6 nearby)
Libraries (2 nearby)
Museums (1 nearby)
Theaters and performance venues (3 nearby)
Counts are within about 4 miles of the center of town.
Source: Map data © OpenStreetMap contributors (openstreetmap.org/copyright), as mapped by volunteers; it can miss places or include closed ones.
Established in 1909.
Notable people born here
Source: Wikidata (wikidata.org), the free knowledge base; people are listed by place of birth.
Public schools here are run by Bay, Fsu Bay. Check each district’s attendance zones for a specific address.
| School | Grades | Students | Type | Distance |
|---|---|---|---|---|
| Callaway Elementary SchoolPanama City | Pre-K–5 | 622 | Public | 3.5 mi |
| Cedar Grove Elementary SchoolPanama City | Pre-K–5 | 495 | Public | 0.1 mi |
| Deer Point Elementary SchoolPanama City | Pre-K–5 | 735 | Public | 6.1 mi |
| Exceptional Student EducationPanama City | Pre-K–12 | — | Special Education | 3.2 mi |
| Hiland Park Elementary SchoolPanama City | Pre-K–5 | 684 | Public | 2.1 mi |
| Lucille Moore Elementary SchoolPanama City | Pre-K–5 | 543 | Public | 5.1 mi |
| Margaret K. Lewis in MillvillePanama City | Pre-K–12 | 170 | Special Education | 1.6 mi |
| Merriam Cherry Street ElementaryPanama City | Pre-K–5 | 343 | Public | 2.2 mi |
| Northside Elementary SchoolPanama City | Pre-K–5 | 569 | Public | 3.4 mi |
| Oscar Patterson AcademyPanama City | Pre-K–4 | 394 | Public | 1.0 mi |
| Parker Elementary SchoolPanama City | Pre-K–5 | 510 | Public | 2.9 mi |
| St. Andrew School at Oakland TerracePanama City | Pre-K–5 | 55 | Alternative Education | 4.1 mi |
| Tommy Smith Elementary SchoolPanama City | Pre-K–5 | 677 | Public | 5.9 mi |
| Bay Haven Charter AcademyPanama City | K–5 | 766 | Charter | 2.8 mi |
| Bay Regional Juvenile Detention CenterPanama City | K–12 | — | Alternative Education | 1.9 mi |
| Bay Virtual Instruction ProgramPanama City | K–12 | 2 | Public | 3.2 mi |
| North Bay Haven Charter Academy Elementary SchoolPanama City | K–5 | 696 | Charter | 4.6 mi |
| Palm Bay Elementary SchoolPanama City | K–5 | 321 | Charter | 3.1 mi |
| Rising Leaders AcademyPanama City | K–12 | 311 | Charter | 4.1 mi |
| University Academy Sabl IncPanama City | K–8 | 711 | Charter | 4.3 mi |
| Bay Virtual FranchisePanama City | 3–12 | 25 | Public | 3.2 mi |
| Bay Haven Charter Middle SchoolPanama City | 6–8 | 429 | Charter | 2.8 mi |
| Bay Virtual Instruction Program (District Provided)Panama City | 6–12 | 14 | Public | 3.2 mi |
| Jinks Middle SchoolPanama City | 6–8 | 541 | Public | 2.7 mi |
| Merritt Brown Middle SchoolPanama City | 6–8 | 634 | Public | 6.0 mi |
| New Horizons Learning CenterPanama City | 6–12 | 93 | Alternative Education | 2.7 mi |
| North Bay Haven Charter Academy Middle SchoolPanama City | 6–8 | 526 | Charter | 4.6 mi |
| Palm Bay Preparatory Academy 6-12Panama City | 6–12 | 203 | Charter | 3.1 mi |
| Rosenwald High SchoolPanama City | 6–12 | 351 | Alternative Education | 1.2 mi |
| Rutherford High SchoolPanama City | 6–12 | 1,394 | Public | 0.7 mi |
And 6 more.
| School | Grades | Students | Affiliation | Distance |
|---|---|---|---|---|
| Holy Nativity Episcopal SchoolPanama City | Pre-K–8 | 243 | Episcopal | 2.4 mi |
| Panama City Advanced SchoolPanama City | Pre-K–12 | 159 | Islamic | 3.8 mi |
| Panama City Trilingual SchoolPanama City | Pre-K–9 | 116 | Nonsectarian | 1.8 mi |
| Square Pegs Learning CenterPanama City | Pre-K–12 | 38 | Nonsectarian | 2.5 mi |
| St John Catholic AcademyPanama City | Pre-K–8 | 136 | Roman Catholic | 4.0 mi |
| Adventist Christian AcademyPanama City | K–8 | 37 | Seventh-day Adventist | 3.9 mi |
| Bacot AcademyPanama City | K–12 | 35 | Christian (no specific denomination) | 3.2 mi |
| Covenant Christian SchoolPanama City | K–11 | 75 | Christian (no specific denomination) | 4.3 mi |
| Kaleidoscope School of DiscoveryPanama City | K–12 | 159 | Nonsectarian | 2.6 mi |
| Gateway Christian Academy IncPanama City | 1–11 | 15 | Pentecostal | 1.1 mi |
| Gulf Coast School for AutismPanama City | Ungraded | 25 | Nonsectarian | 4.6 mi |
Source: U.S. Department of Education, NCES: Common Core of Data (2024-2025) for public schools; Private School Universe Survey (2023-2024) for private schools. Listed by address; we don’t rate schools.
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Shares ZIP codes with Callaway, Parker, Springfield, Cedar Grove, Lynn Haven and Pretty Bayou.
Town boundaries don’t always match ZIP codes: a ZIP code can cross into neighboring towns, and a town can share a ZIP code with its neighbors. Facts describe the town itself; market figures describe whole ZIP codes.