Panama City Beach is a city in Bay County, Florida, home to about 18,971 people across 19 square miles. Its ZIP codes are 32407 and 32413.
Homes sold for a median of $284 per square foot across 2 ZIP codes in the three months ending August 2026, and 0 of 2 were seller’s markets.
Mostly Panama City Beach; also Upper Grand Lagoon
Mostly Panama City Beach; also Laguna Beach
Each card is that ZIP code’s whole market, including any part outside Panama City Beach. Seller’s market: under 4 months of supply; buyer’s market: over 6. Methodology
We’re writing up Panama City Beach’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)79 miles away |
|---|---|
| Closer regional airport | Northwest Florida Beaches International Airport (ECP)7 miles away |
| Nearest city of 250,000+ | New Orleans, LA242 miles away |
| Nearest city of 1 million+ | Houston, TX569 miles away |
Straight-line distances from the center of Panama City Beach; 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 Beach had 18,094 residents in the 2020 census, up 136% since 2000.
It’s the 218th 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 42°F. About 59.5 inches of rain and melted snow fall in a typical year.
Source: NOAA 1991–2020 climate normals, Nw Florida Beaches Intl Ap, FL weather station (7 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).
234 doctors and other health care providers list an office in Panama City Beach’s ZIP codes.
Nearest hospitals
Providers with an office here
| Primary care doctors | 24 |
|---|---|
| Specialist doctors | 13 |
| Dentists | 14 |
| Nurse practitioners and physician assistants | 70 |
| Mental health providers | 48 |
| Physical and occupational therapists | 38 |
| Optometrists | 5 |
| Chiropractors | 22 |
| Pharmacies | 13 |
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 (1 nearby)
Grocery stores
Pharmacies
Libraries
Museums
Counts are within about 3 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 1977.
Source: Wikidata (wikidata.org), the free knowledge base; people are listed by place of birth.
Public schools here are run by Bay. Check each district’s attendance zones for a specific address.
| School | Grades | Students | Type | Distance |
|---|---|---|---|---|
| A. Gary Walsingham AcademyPanama City Beach | Pre-K–5 | 470 | Public | 9.0 mi |
| Breakfast Point AcademyPanama City Beach | Pre-K–8 | 1,089 | Public | 7.1 mi |
| Surfside Middle SchoolPanama City Beach | Pre-K–12 | 755 | Public | 5.4 mi |
| West Bay Elementary SchoolPanama City Beach | Pre-K–5 | 362 | Public | 1.6 mi |
| Hutchison Beach Elementary SchoolPanama City Beach | K–5 | 573 | Public | 6.4 mi |
| J.R. Arnold High SchoolPanama City Beach | 9–12 | 1,629 | Public | 6.8 mi |
Source: U.S. Department of Education, NCES: Common Core of Data (2024-2025) for public schools. Listed by address; we don’t rate schools.
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Shares ZIP codes with Upper Grand Lagoon and Laguna Beach.
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.