Panama City ZIP Code List: All 8 Panama City, Florida ZIP Codes
Panama City, FL (Bay County) has 8 ZIP codes (postal codes), 32401 to 32413: 32401, 32404, 32405, 32406, 32407, 32408, 32409, 32413. Between them, 258 homes are for sale as of 2026-09-27; 32408 has the most listings (214), 32404 is the least expensive by asking price (median $135,000) and 32413 the most (median $585,000).
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 | 21 | $230,000 | $307,490 | 62 | scorecard · market data |
| 32404 | Liberty, Titus Park, Sweetbay | 9 | $135,000 | $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 | 214 | $356,950 | $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 | 5 | $585,000 | $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:
Explore Panama City
- Homes for sale in Panama City, FL
- Panama City market intelligence
- Moving to Panama City: the data guide
- ZIP codes for every Florida and Georgia city
Common questions
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Listing counts and asking prices are active residential listings in Momentum Realty’s MLS record as of 2026-09-27; 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.