Panama City ZIP code overview
Panama City is located in Bay County and is part of Florida's Emerald Coast region. The U.S. Postal Service assigns the following ZIP codes to addresses within or directly adjacent to Panama City:
Panama City ZIP codes
ZIP code assignments are made by the U.S. Postal Service for mail-delivery purposes and do not always align with municipal boundaries. Some of these ZIPs may also cover unincorporated areas of Bay County.
Notable Panama City neighborhoods and landmarks
Panama City contains a mix of neighborhoods, communities, and landmarks. The following are commonly referenced by residents, agents, and buyers when describing the area:
Panama City real estate market snapshot
The Panama City market reflects the broader characteristics of Emerald Coast — proximity to employment centers, lifestyle amenities, and lifestyle migration into Florida. For up-to-date listings, active comparables, and a localized opinion of value on a specific property, a BKRS licensed real estate professional is the best source. Browse the full Florida ZIP search, Florida luxury homes, or learn more about BKRS for additional context.
Frequently asked questions about Panama City
What ZIP codes are Panama City, Florida?
Panama City, Florida is served by ZIP codes 32401, 32404, 32405, 32409. ZIP codes are assigned by the U.S. Postal Service and may also cover unincorporated areas of Bay County.
What county is Panama City in?
Panama City is located in Bay County, Florida — part of the Emerald Coast region.
What are the main neighborhoods in Panama City?
Commonly referenced neighborhoods and landmarks in Panama City include Downtown Panama City, St. Andrews, Cove, Bay Point. Panama City is the seat of Bay County — St. Andrews Bay frontage, downtown Marina, the Cove historic district, and a steadily rebuilding post-Hurricane Michael residential market.
What is the typical home price range in Panama City?
Typical home values in Panama City range from approximately $250K – $1.5M, based on observed listing and sale data. Individual properties vary based on lot, condition, waterfront access, and neighborhood — this range is illustrative only and not an appraisal.
How many ZIP codes does Panama City have?
Panama City has 4 primary ZIP codes assigned by the U.S. Postal Service: 32401, 32404, 32405, 32409.
About Bay County
Bay County is part of Florida's Emerald Coast region. Panama City is one of several markets BKRS covers in this county. Use the related-cities panel to explore nearby markets, browse Bay County coverage, or use the full Florida ZIP code search to filter all BKRS-covered markets by name, county, or 5-digit ZIP.