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

By Jon Brooks, Co-Founder, Momentum Realty · Updated November 6, 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, 237 homes are for sale as of 2026-11-06; 32408 has the most listings (191), 32405 is the least expensive by asking price (median $149,450) and 32407 the most (median $522,000).

Homes for sale in Panama City, FL →

ZIP codes

237

Homes for sale

32408 (191)

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.

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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	22	$284,500	$307,490	62	scorecard · market data
32404	Liberty, Titus Park, Sweetbay	6	$172,500	$289,900	58	scorecard · market data
32405	Liberty, Sweetbay, Park Place	2	$149,450	$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	4	$522,000	$398,500	80	scorecard · market data
32408	Latitude At Watersound, Sunny Hills, Breakfast Point East	191	$367,500	$400,000	75	scorecard · market data
32409 USPS: Southport	Hodges Bayou Plantation, Cedar Creek At Deerpoint Lake, Fanning Bayou	5	$434,990	$440,000	64	scorecard · market data
32413 USPS: Panama City Beach	Latitude At Watersound, Bayside At Ward Creek, Caballeros Estates At Hombre	7	$518,000	$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 · 315 for sale · median $325,710
32408 · 278 for sale · median $398,500
32405 · 117 for sale · median $369,900
32401 · 115 for sale · median $265,000
32409 · 41 for sale · median $449,900

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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 (191). 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 191 homes for sale at a median list price of $367,500.

What is the cheapest ZIP code in Panama City?

By median asking price today, 32405 is the least expensive Panama City ZIP with homes for sale (median $149,450), and 32407 is the most expensive (median $522,000).

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?

237 homes are listed for sale across Panama City's ZIP codes as of 2026-11-06. The full list with photos is on the Panama City homes for sale page.

What county is Panama City in?

Panama City is in Bay County, Florida. Browse Panama City homes for sale.

How many ZIP codes does Panama City have?

Panama City has 8 ZIP codes; every one is listed in the table above with today's homes for sale and prices.

Listing counts and asking prices are active residential listings in Momentum Realty’s MLS record as of 2026-11-06; 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

2,808 live listings across 8 ZIP codes on this page, 173 listed in the last 7 days. A selection, newest first:

321 Massalina Drive, Panama City · $600,000 · 4 bd · Courtesy of Corcoran Reverie
242 Allen Avenue, Panama City · $305,000 · 2 bd · Courtesy of CitiStar Realty
313 Breakwater Boulevard Lot 287, Panama City Beach · $649,000 · 3 bd · Courtesy of Jacksonville TBI Realty LLC
8400 Dockside Place, Panama City Beach · $505,000 · 2 bd · Courtesy of Beachy Beach Real Estate
15928 Front Beach Road 32006, Panama City Beach · $575,000 · 3 bd · Courtesy of Scenic Sotheby's International Realty
302 Rose Lane, Panama City Beach · $975,000 · 4 bd · Courtesy of Counts Real Estate Group Inc
217 13th Street, Panama City Beach · $1,600,000 · 5 bd · Courtesy of Gulf Life Real Estate Inc
212 14th Street, Panama City Beach · $620,000 · 3 bd · Courtesy of Seltzer Real Estate, LLC
8201 Landshark Boulevard, Panama City Beach · $910,000 · 2 bd · Courtesy of Bob Hodges And Sons Realty
612 E Gulf Boulevard, Panama City Beach · $950,000 · 4 bd · Courtesy of Local Insight Realty
17670 Front Beach Road I7, Panama City Beach · $265,000 · 1 bd · Courtesy of Coldwell Banker Realty
16819 Front Beach Road 2916, Panama City Beach · $399,900 · 1 bd · Courtesy of Coldwell Banker Realty
2400 Grandiflora Boulevard E603, Panama City · $399,000 · 2 bd · Courtesy of Dalton Wade Inc
8618 Surf Drive 202, Panama City Beach · $189,000 · Courtesy of Berkshire Hathaway HomeServices Beach Properties of Florida
4050 Marriott Drive 3403, Panama City · $399,900 · 2 bd · Courtesy of Realty Mark Associates
9860 S Thomas Drive 523, Panama City Beach · $405,000 · 3 bd · Courtesy of EXP Realty LLC
9860 S Thomas Drive 604, Panama City Beach · $258,000 · 1 bd · Courtesy of Beachy Beach Real Estate
4114 Holiday Drive 26, Panama City · $270,000 · 1 bd · Courtesy of Corcoran Reverie
8727 Thomas Drive A7, Panama City · $640,000 · 4 bd · Courtesy of Beachy Beach Real Estate
7678 Shadow Lake Drive, Panama City Beach · $309,900 · 3 bd · Courtesy of Chipola Realty
1706 Annabellas Drive, Panama City Beach · $200,000 · 3 bd · Courtesy of Beachy Beach Real Estate
321 Sheephead Bayou Drive, Panama City Beach · $599,995 · 3 bd · Courtesy of HMS Real Estate
11483 Front Beach Road 710, Panama City Beach · $549,000 · 2 bd · Courtesy of Counts Real Estate Group Inc
11347 Front Beach Road 909, Panama City Beach · $347,999 · 1 bd · Courtesy of VIP Beach Destinations

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.