ZIP Code Tabulation Area · Florida

ZIP Code 32409: Bay County, FL

ZIP Code 32409 (Bay County, Florida) has an estimated 11,113 residents in 4,117 households. The median household income is $64,516, the median home value is $275,700 and the median gross rent is $1,409/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

Some estimates have a large margin of error. One figure for this ZIP (gross rent) is marked with *. ACS figures come from a sample, and small areas have fewer responses, so treat these numbers as rough ranges.

Total population

11,113

Margin of error ±1,196

Median household income

$64,516

Margin of error ±$12,034

Median home value

$275,700

Margin of error ±$41,385

Median gross rent

$1,409/mo*

Margin of error ±$1,020· estimate has a large margin of error

Median age

43.8 yrs

Margin of error ±2.7 yrs

Mean travel time to work

30.0 min

Margin of error ±5.6 min

How ZIP 32409 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 3240943.8 yrsFlorida42.6 yrsUnited States38.9 yrs

Median household income

ZIP 32409$64,516Florida$74,568United States$80,734

Per capita income

ZIP 32409$33,569Florida$42,609United States$44,673

Poverty rate

ZIP 3240915.0%Florida12.6%United States12.5%

Unemployment rate

ZIP 324095.5%Florida4.8%United States5.2%

Bachelor's degree or higher

ZIP 3240927.9%Florida34.1%United States35.7%

Median home value

ZIP 32409$275,700Florida$359,000United States$332,700

Median gross rent

ZIP 32409$1,409/mo*Florida$1,669/moUnited States$1,413/mo

Owner-occupied homes

ZIP 3240992.2%Florida67.6%United States65.2%

Mean travel time to work

ZIP 3240930.0 minFlorida28.0 minUnited States26.4 min

Worked from home

ZIP 3240916.0%Florida15.7%United States15.1%

All figures for ZIP 32409

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 32409 — ACS 2020–2024 5-year estimates
Measure	ZIP 32409	Margin of error	Florida	United States
Total population	11,113	±1,196	22,416,077	334,922,499
Median age	43.8 yrs	±2.7 yrs	42.6 yrs	38.9 yrs
Households	4,117	±448	8,752,810	129,227,496
Median household income	$64,516	±$12,034	$74,568	$80,734
Per capita income	$33,569	±$4,255	$42,609	$44,673
Poverty rate	15.0%	±6.0 pts	12.6%	12.5%
Unemployment rate	5.5%	±3.1 pts	4.8%	5.2%
Bachelor's degree or higher	27.9%	±4.6 pts	34.1%	35.7%
Median home value	$275,700	±$41,385	$359,000	$332,700
Median gross rent	$1,409/mo*	±$1,020	$1,669/mo	$1,413/mo
Owner-occupied homes	92.2%	±4.3 pts	67.6%	65.2%
Mean travel time to work	30.0 min	±5.6 min	28.0 min	26.4 min
Worked from home	16.0%	±5.9 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 32409
Group	ZIP 32409	Florida	United States
White alone, not Hispanic or Latino	87.9%	50.4%	57.4%
Black or African American alone, not Hispanic or Latino	0.0%	14.6%	11.9%
American Indian and Alaska Native alone, not Hispanic or Latino	0.1%	0.1%	0.5%
Asian alone, not Hispanic or Latino	0.9%	2.9%	5.9%
Native Hawaiian and Other Pacific Islander alone, not Hispanic or Latino	0.0%	0.1%	0.2%
Some other race alone, not Hispanic or Latino	0.3%	0.7%	0.6%
Two or more races, not Hispanic or Latino	2.5%	3.8%	4.3%
Hispanic or Latino (of any race)	8.2%	27.4%	19.3%

Where ZIP 32409 is

State: Florida
Main county: Bay County
Largest overlapping place: Lynn Haven (less than 1% of the ZIP's land area)
Land area: 126.65 sq mi· about 88 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 32404 Bay County, FL 32405 Panama City, FL 32407 Panama City Beach, FL 32408 Upper Grand Lagoon, 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 32409 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.