ZIP Code Tabulation Area · Florida

ZIP Code 32404: Bay County, FL

ZIP Code 32404 (Bay County, Florida) has an estimated 42,514 residents in 16,158 households. The median household income is $74,708, the median home value is $273,500 and the median gross rent is $1,399/mo. Figures are U.S. Census Bureau American Community Survey 2020–2024 5-year estimates for the matching ZIP Code Tabulation Area.

American Community Survey 2020–2024 5-year estimates · Updated Oct 26, 2026

Total population

42,514

Margin of error ±1,794

Median household income

$74,708

Margin of error ±$3,972

Median home value

$273,500

Margin of error ±$11,531

Median gross rent

$1,399/mo

Margin of error ±$69

Median age

37.1 yrs

Margin of error ±1.4 yrs

Mean travel time to work

26.4 min

Margin of error ±2.2 min

How ZIP 32404 compares with Florida and the U.S.

State and national figures are the Census Bureau's own estimates for those areas from the same ACS release, not averages of ZIP codes.

Median age

ZIP 3240437.1 yrsFlorida42.6 yrsUnited States38.9 yrs

Median household income

ZIP 32404$74,708Florida$74,568United States$80,734

Per capita income

ZIP 32404$34,098Florida$42,609United States$44,673

Poverty rate

ZIP 3240410.5%Florida12.6%United States12.5%

Unemployment rate

ZIP 324043.2%Florida4.8%United States5.2%

Bachelor's degree or higher

ZIP 3240423.4%Florida34.1%United States35.7%

Median home value

ZIP 32404$273,500Florida$359,000United States$332,700

Median gross rent

ZIP 32404$1,399/moFlorida$1,669/moUnited States$1,413/mo

Owner-occupied homes

ZIP 3240469.2%Florida67.6%United States65.2%

Mean travel time to work

ZIP 3240426.4 minFlorida28.0 minUnited States26.4 min

Worked from home

ZIP 324047.3%Florida15.7%United States15.1%

All figures for ZIP 32404

Each estimate has a 90% margin of error: the true value is likely within that range. * marks estimates with a large margin of error (a coefficient of variation above 30%, or ±10 percentage points or more for rates).

ZIP 32404 — ACS 2020–2024 5-year estimates
Measure	ZIP 32404	Margin of error	Florida	United States
Total population	42,514	±1,794	22,416,077	334,922,499
Median age	37.1 yrs	±1.4 yrs	42.6 yrs	38.9 yrs
Households	16,158	±791	8,752,810	129,227,496
Median household income	$74,708	±$3,972	$74,568	$80,734
Per capita income	$34,098	±$1,666	$42,609	$44,673
Poverty rate	10.5%	±1.9 pts	12.6%	12.5%
Unemployment rate	3.2%	±1.2 pts	4.8%	5.2%
Bachelor's degree or higher	23.4%	±2.6 pts	34.1%	35.7%
Median home value	$273,500	±$11,531	$359,000	$332,700
Median gross rent	$1,399/mo	±$69	$1,669/mo	$1,413/mo
Owner-occupied homes	69.2%	±3.1 pts	67.6%	65.2%
Mean travel time to work	26.4 min	±2.2 min	28.0 min	26.4 min
Worked from home	7.3%	±1.8 pts	15.7%	15.1%

Race and Hispanic or Latino origin

Shares of the total population by the Census Bureau's race and Hispanic or Latino origin categories (table B03002), listed in the Census Bureau's order. People self-identify on the survey.

Population by race and Hispanic or Latino origin, ZIP 32404
Group	ZIP 32404	Florida	United States
White alone, not Hispanic or Latino	67.9%	50.4%	57.4%
Black or African American alone, not Hispanic or Latino	13.0%	14.6%	11.9%
American Indian and Alaska Native alone, not Hispanic or Latino	0.2%	0.1%	0.5%
Asian alone, not Hispanic or Latino	2.5%	2.9%	5.9%
Native Hawaiian and Other Pacific Islander alone, not Hispanic or Latino	0.2%	0.1%	0.2%
Some other race alone, not Hispanic or Latino	0.4%	0.7%	0.6%
Two or more races, not Hispanic or Latino	6.3%	3.8%	4.3%
Hispanic or Latino (of any race)	9.4%	27.4%	19.3%

Where ZIP 32404 is

State: Florida
Main county: Bay County
Largest overlapping place: Panama City (11% of the ZIP's land area)
Land area: 135.07 sq mi· about 315 people per sq mi

County and place names come from the Census Bureau's 2020 ZCTA relationship files. A ZIP code's mailing city, set by the U.S. Postal Service, can differ from these names.

Other ZIP codes in Bay County

32401 Panama City, FL 32403 Tyndall AFB, FL 32405 Panama City, FL 32407 Panama City Beach, FL 32408 Upper Grand Lagoon, FL 32409 Bay County, FL 32410 Mexico Beach, FL 32413 Bay County, FL 32438 Bay County, FL 32444 Lynn Haven, FL 32466 Bay County, FL

See every ZIP code in Florida, or compare ZIP 32404 with another ZIP code.

Census figures describe residents as a group and cannot tell you about any one home or street. For a specific address, check local government and housing records.

About ZIP codes and ZCTAs: the Census Bureau publishes statistics for ZIP Code Tabulation Areas, which approximate USPS ZIP code delivery areas. Learn how they differ.

Sources

U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates, detailed tables B01003, B01002, B11001, B19013, B19301, B17001, B23025, B15003, B25077, B25064, B25003, B08013, B08303, B08301, B03002 — snapshot Oct 26, 2026.
U.S. Census Bureau, 2020 ZCTA5 relationship files (county and place).
Data: U.S. Census Bureau, American Community Survey 5-year estimates (detailed tables) and 2020 Census ZCTA relationship files. This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau. These agencies do not endorse OpenZIP.