Panama City Beach ZIP Code List: All 3 Panama City Beach, Florida ZIP Codes

By Jon Brooks, Co-Founder, Momentum Realty · Updated October 16, 2026

Panama City Beach, FL (Bay County) has 3 ZIP codes (postal codes), 32407 to 32413: 32407, 32408, 32413. Between them, 732 homes are for sale as of 2026-10-16; 32413 has the most listings (318), 32408 is the least expensive by asking price (median $329,900) and 32407 the most (median $425,000).

ZIP codes

732

Homes for sale

32413 (318)

Busiest ZIP

$400,000

Median sold, middle ZIP

Panama City Beach ZIP code map

Where each Panama City Beach ZIP sits, north at the top. Every dot is a ZIP code centroid, sized by how many homes are for sale in it right now; click through for that ZIP's live market page.

Every Panama City Beach ZIP code with prices and what is for sale

All 3 ZIP codes for Panama City Beach, FL: the neighborhoods each one covers, homes actively listed today with the median asking price, what homes sold for over the last 12 months, and days on market. Rows marked PO/partial are ZIPs whose USPS city is Panama City Beach but where current listings sit in a neighboring city.

ZIP	Neighborhoods	For sale	Median list	Median sold (12 mo)	DOM	ZIP pages
32407	Breakfast Point East, Gulf Highlands Beach Resort, Caballeros Estates At Hombre	198	$425,000	$398,500	80	scorecard · market data
32408 USPS: Panama City	Latitude At Watersound, Sunny Hills, Breakfast Point East	216	$329,900	$400,000	75	scorecard · market data
32413	Latitude At Watersound, Bayside At Ward Creek, Caballeros Estates At Hombre	318	$399,949	$445,000	79	scorecard · market data

Homes for sale in Panama City Beach by ZIP

The live listings behind these counts, with photos, are on the Panama City Beach homes for sale page, grouped by price and by ZIP.

Every ZIP with 15 or more active listings has its own live page:

32413 · 641 for sale · median $499,000
32407 · 395 for sale · median $430,000
32408 · 350 for sale · median $365,000

Explore Panama City Beach

Common questions

What is the ZIP code for Panama City Beach, FL?

Panama City Beach does not have a single ZIP code; it has 3, running from 32407 to 32413, all in Bay County. 32413 has the most homes for sale today (318). The full list with prices is in the table above.

What is the postal code for Panama City Beach, FL?

In the United States the postal code is the ZIP code, so Panama City Beach's postal codes are its 3 ZIP codes: 32407, 32408, 32413.

What are the ZIP codes in Panama City Beach, FL?

Panama City Beach has 3 ZIP codes with homes on the market or in the USPS list for the city: 32407, 32408, 32413.

Which Panama City Beach ZIP code has the most homes for sale?

32413 has the most active listings right now with 318 homes for sale at a median list price of $399,949.

What is the cheapest ZIP code in Panama City Beach?

By median asking price today, 32408 is the least expensive Panama City Beach ZIP with homes for sale (median $329,900), and 32407 is the most expensive (median $425,000).

What is the median home price in Panama City Beach by ZIP?

Across the 3 Panama City Beach ZIPs with 12 months of sales data, median sold prices range from $398,500 to $445,000; the middle ZIP is $400,000. Each ZIP row links to its housing scorecard and market page with the full history.

Is there a Panama City Beach ZIP code map?

Yes. The map above plots every Panama City Beach ZIP code by its centroid, sized by homes for sale today, and the table lists each ZIP with its neighborhoods, listing count and median prices.

How many homes are for sale in Panama City Beach right now?

732 homes are listed for sale across Panama City Beach's ZIP codes as of 2026-10-16. The full list with photos is on the Panama City Beach homes for sale page.

Listing counts and asking prices are active residential listings in Momentum Realty’s MLS record as of 2026-10-16; sold medians and days on market are 12-month figures from the same record. ZIP-to-city assignment follows USPS for Florida and listing addresses for Georgia. Deemed reliable but not guaranteed. Equal Housing Opportunity.

Homes for sale now in Panama City Beach ZIP codes

2,131 live listings across 4 ZIP codes on this page, 96 listed in the last 7 days. A selection, newest first:

11649 Brush Ridge Circle, Jacksonville · $374,900 · Courtesy of OFFERPAD BROKERAGE FL LLC
12062 Saverio Lane, Jacksonville · $379,795 · Courtesy of ALPHA REAL ESTATE
12737 Serenade Circle, Jacksonville · $310,000 · Courtesy of DJ & LINDSEY REAL ESTATE
1725 Forest Lake Circle #3, Jacksonville · $219,900 · Courtesy of UNITED REAL ESTATE GALLERY
558 Roserush Lane, Jacksonville · $429,000 · Courtesy of FLORIDA HOMES REALTY & MTG LLC
616 Candlebark Drive, Jacksonville · $499,000 · Courtesy of GODOY REALTY LLC
1076 Candlebark Drive, Jacksonville · $634,000 · Courtesy of FLORIDA HOMES REALTY & MTG LLC
2923 Safeshelter Drive, Jacksonville · $369,900 · Courtesy of RE/MAX SPECIALISTS
13309 Santorini Drive, Jacksonville · $450,000 · Courtesy of RELAX REALTY LLC
1664 Swimming Salmon Place, Jacksonville · $438,500 · Courtesy of NORTH FLORIDA REALTY ADVISORS
12188 Nettlecreek Drive, Jacksonville · $536,000 · Courtesy of YOUNG REALTY LLC
958 Mineral Creek Drive, Jacksonville · $479,000 · Courtesy of KELLER WILLIAMS ST JOHNS
355 Monument Road #10 D1, Jacksonville · $100,000 · Courtesy of BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY
2715 Rochford Court, Jacksonville · $389,990 · Courtesy of BOARDWALK REALTY ASSOCIATES LLC
12240 Chippenham Court, Jacksonville · $354,999 · Courtesy of GODOY REALTY LLC
2880 Mule Deer Circle, Jacksonville · $207,000 · Courtesy of PALM REALTY GROUP INC
12250 Cobblestone Circle, Jacksonville · $350,000 · Courtesy of WATSON REALTY CORP
123 Rimini Court, Jacksonville · $539,900 · Courtesy of RE/MAX UNLIMITED
2882 Black Buck Circle, Jacksonville · $205,000 · Courtesy of FLORIDA HOMES REALTY & MTG LLC
355 Monument Road #12 A1, Jacksonville · $124,900 · Courtesy of WEICHERT REALTORS COASTAL CITY
12183 Safeshelter Drive, Jacksonville · $395,000 · Courtesy of HOUWZER, INC.
2839 Black Buck Circle, Jacksonville · $199,900 · Courtesy of BIRD DOG REAL ESTATE GROUP LLC
13729 Hidden Oaks Lane, Jacksonville · $799,000 · Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE
10100 Mercury Drive, Jacksonville · $237,000 · Courtesy of 904 REALTY LLC

Just listed, updated hourly: New in Panama City & Central Panhandle · New in Northeast Florida

Live MLS listings, refreshed hourly; listings held by other brokerages are marked with the listing broker. Information deemed reliable but not guaranteed. Equal Housing Opportunity.