ZIP code · Panama City · Florida · United States
ZIP code 32409 — Panama City
ZIP code 32409 serves Panama City, Florida.
- Postal code
- 32409Single source Value from one source, not cross-checked.
- City
- Panama City
- County
- Bay FIPS 12005
- State
- Florida
- Country
- United States
- Coordinates
- 30.3117, -85.6923 — precision precise (locality)
View on OpenStreetMap - Population
- 10,941 (ZCTA, ACS 5-year)
- Population density
- 86 / sq mi
- Land area
- 126.6 sq mi (328 km²) (ZCTA, ACS 5-year)
- Median household income
- $60,687
- Per-capita income
- $30,364
- Median age
- 43.8
- Households
- 4,016
- Housing units
- 4,525
- Median home value
- $221,500
- Median gross rent
- $1,097 / month
- Congressional district
- FL-2 (119th Congress)
- USDA hardiness zone
- 9a (20 to 25 °F)Planting / growing zone from the 2023 USDA Plant Hardiness Zone Map: average annual extreme minimum temperature, 1991–2020.
- Time zone
- America/Chicago (UTC−6 / UTC−5 DST)
Tools: compare 32409 with another ZIP · ZIPs within 25 miles · distance from 32409
Map of ZIP code 32409
Climate — monthly normals
Warmest month Jul (avg high 91°F), coldest Jan (avg low 43°F).
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Avg high °F | 64 | 67 | 73 | 79 | 85 | 89 | 91 | 91 | 89 | 82 | 73 | 67 |
| Avg low °F | 43 | 46 | 52 | 58 | 66 | 73 | 75 | 75 | 71 | 61 | 50 | 45 |
| Precip in | 4.8 | 5.0 | 5.0 | 4.1 | 3.3 | 5.8 | 7.4 | 7.4 | 7.0 | 3.5 | 3.7 | 4.3 |
NOAA 1991–2020 climate normals from the nearest station: PANAMA CITY 5N (4.7 mi) · NOAA NCEI
Places in ZIP 32409
- 2 schools
- 1 colleges & universities
- 7 restaurants & cafés
- 1 bars & pubs
- 3 parks
- 1 playgrounds
- 4 places of worship
- 6 gas stations
- 3 police & fire stations
Places mapped inside this ZIP’s ZCTA area in OpenStreetMap. OSM is community-maintained: counts reflect what has been mapped, and completeness varies by area — treat them as at-least figures. © OpenStreetMap contributors (ODbL) · Methodology
About this page
US ZIP codes have five digits. They are postal routing areas, not administrative boundaries: a ZIP can span more than one city or county, and the city shown is the primary USPS name for that code.
GeoNames · U.S. Census Bureau (ACS) · U.S. Census Bureau · NOAA NCEI · usda-phzm. Data generated on 2026-08-21. Methodology · Report an error on this page