Panama City ZIP Code List: All 8 Panama City, Florida ZIP Codes

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

Panama City, FL (Bay County) has 8 ZIP codes (postal codes), 32401 to 32413: 32401, 32404, 32405, 32406, 32407, 32408, 32409, 32413. Between them, 253 homes are for sale as of 2026-10-16; 32408 has the most listings (206), 32404 is the least expensive by asking price (median $126,500) and 32407 the most (median $549,000).

ZIP codes

253

Homes for sale

32408 (206)

Busiest ZIP

$399,250

Median sold, middle ZIP

Panama City ZIP code map

Where each Panama City 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 ZIP code with prices and what is for sale

All 8 ZIP codes for Panama City, 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 but where current listings sit in a neighboring city.

ZIP	Neighborhoods	For sale	Median list	Median sold (12 mo)	DOM	ZIP pages
32401	Sweetbay, Callaway, Cove Terrace	23	$234,400	$307,490	62	scorecard · market data
32404	Liberty, Titus Park, Sweetbay	6	$126,500	$289,900	58	scorecard · market data
32405	Liberty, Sweetbay, Park Place	2	$192,000	$279,900	56	scorecard · market data
32406	Breakfast Point, Premier Estates, Glenwood Addition	0	—	$473,900	48	market data
32407 USPS: Panama City Beach	Breakfast Point East, Gulf Highlands Beach Resort, Caballeros Estates At Hombre	3	$549,000	$398,500	80	scorecard · market data
32408	Latitude At Watersound, Sunny Hills, Breakfast Point East	206	$356,500	$400,000	75	scorecard · market data
32409 USPS: Southport	Hodges Bayou Plantation, Cedar Creek At Deerpoint Lake, Fanning Bayou	4	$434,995	$440,000	64	scorecard · market data
32413 USPS: Panama City Beach	Latitude At Watersound, Bayside At Ward Creek, Caballeros Estates At Hombre	9	$520,000	$445,000	79	scorecard · market data

Homes for sale in Panama City by ZIP

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

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

32404 · 302 for sale · median $327,995
32408 · 282 for sale · median $389,500
32405 · 119 for sale · median $379,000
32401 · 115 for sale · median $259,900
32409 · 43 for sale · median $434,990

Explore Panama City

Common questions

What is the ZIP code for Panama City, FL?

Panama City does not have a single ZIP code; it has 8, running from 32401 to 32413, all in Bay County. 32408 has the most homes for sale today (206). The full list with prices is in the table above.

What is the postal code for Panama City, FL?

In the United States the postal code is the ZIP code, so Panama City's postal codes are its 8 ZIP codes: 32401, 32404, 32405, 32406, 32407, 32408, 32409, 32413.

What are the ZIP codes in Panama City, FL?

Panama City has 8 ZIP codes with homes on the market or in the USPS list for the city: 32401, 32404, 32405, 32406, 32407, 32408, 32409, 32413.

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

32408 has the most active listings right now with 206 homes for sale at a median list price of $356,500.

What is the cheapest ZIP code in Panama City?

By median asking price today, 32404 is the least expensive Panama City ZIP with homes for sale (median $126,500), and 32407 is the most expensive (median $549,000).

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

Across the 8 Panama City ZIPs with 12 months of sales data, median sold prices range from $279,900 to $473,900; the middle ZIP is $399,250. Each ZIP row links to its housing scorecard and market page with the full history.

Is there a Panama City ZIP code map?

Yes. The map above plots every Panama City 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 right now?

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

2,920 live listings across 8 ZIP codes on this page, 130 listed in the last 7 days. A selection, newest first:

340 Bridge Harbor Drive, Panama City · $329,900 · 4 bd · Courtesy of Coldwell Banker Realty
6507 Myers Road, Panama City · $414,900 · 4 bd · Courtesy of EXP Realty LLC
218 Bayou Bend Lane, Callaway · $370,000 · 4 bd · Courtesy of Keller Williams Success Realty
174 W Leslie Lane, Panama City Beach · $285,000 · 2 bd · Courtesy of Gulf Life Real Estate Inc
101 Tierra Verde Trail, Panama City Beach · $975,000 · 4 bd · Courtesy of Think Real Estate
100 Cherry Street 406, Panama City · $289,000 · 2 bd · Courtesy of Realty One Group Emerald Coast
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

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.