Population & age
- Total population
- 14,710
- Median age
- 39.0
Panama City Beach, FL (32407)
Bay County · Panama City-Panama City Beach, FL · Population 14,710
Fresh.Data current as of Apr 24, 2026
Panama City Beach, FL (ZIP 32407) sits in Bay County within the Panama City-Panama City Beach metro area. The page draws on 2 federal data feeds retrieved Apr 26. Top health signal: High Blood Pressure comes in above the national average at 35.1%. NCES lists 3 schools serving the area, 3 non-charter. 6 colleges and universities serve the area, with median in-state tuition of $3,120. IRS data shows average household income (AGI) of $78,179, well above the ~$45K national average per return. FEMA has issued 49 federal disaster declarations affecting this ZIP since 1975 — a high-frequency exposure profile. Annual precipitation averages 61.3" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 11,538 years of potential life lost per 100,000 (2025) — well above the national county median. 31.5% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. Florida has no state income tax, saving the local median household (AGI $78,179) approximately $3,596/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 6,212 residents (3,255 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $75,093, fair market rent of $2,240 for a two-bedroom, and a typical home value of $395,998, down 5.4% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 78.0%
- Black
- 10.5%
- Asian
- 1.8%
- Hispanic / Latino
- 9.0%
- Other / multi-racial
- 9.7%
Income & housing
- Median household income
- $75,093
- Median home value
- $334,000
Education
- Bachelor's degree or higher (age 25+)
- 33.5%
Employment
- Unemployment rate
- 2.3%
Housing
- Owner-occupied
- 3,789(58.7%)
- Renter-occupied
- 2,670(41.3%)
- Vacant units
- 5,434
- Built (median)
- 2001
Commute
- Public transit
- 123(1.5%)
- Work from home
- 660(8.2%)
- Avg commute
- 18.1 min
Economic wellbeing
- Below poverty line
- 1,142(7.8%)
- Uninsured
- 440(3.0%)
Digital access
- Broadband access
- 6,177(95.6%)
- No broadband
- 282(4.4%)
Language & nativity
- Foreign-born
- 1,935(13.2%)
- Non-English at home
- 1,806(12.7%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$1,900
/month
1 Bed
$1,970
/month
2 Bed
$2,240
/month
3 Bed
$2,890
/month
4 Bed
$3,580
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$395,998
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
-5.4%
vs. March 2025
5-year change
+22.3%
vs. March 2021
Metro area
Panama City, FL
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing construction
New housing units permitted
2,473
Across 1,941 permitted buildings. Total construction value: $785.0M.
Single-family
1,886
76% of total units
Multifamily (2+ unit)
587
24% of total units
Single-family value
$676.8M
construction value
Multifamily value
$108.2M
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
8,400
Average AGI
$78,179
Avg property tax
$233
EITC participation
14.9%
Income distribution
- $1 – $25,00033.7% · 2,830
- $25,000 – $50,00023.2% · 1,950
- $50,000 – $75,00013.1% · 1,100
- $75,000 – $100,0008.8% · 740
- $100,000 – $200,00014.8% · 1,240
- $200,000 or more6.4% · 540
Avg mortgage interest
$527
Avg charitable contribution
$570
Avg capital gains
$4,530
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $656.7M across all reported brackets.
Business & employment
Business establishments
626
Total employment
7,560
Annual payroll
$296.0M
Average annual pay
$39,150
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$53,407
Average weekly wage
$1,027
Total employment
82,632
Total establishments
6,848
That is roughly 18% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
3.3%
That is 0.7 percentage points below the US national unemployment rate of about 4.0%.
Labor force
92,497
Employed
89,444
Unemployed
3,053
Based on Bay County, FL data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Banking access
FDIC-insured bank branches
14
Strong banking access
Multiple institutions and offices within easy reach of residents.
Total deposits
$1.1B
across all branches in this ZIP
Distinct institutions
13
different banks operating here
Top banks by deposits in this ZIP
- 1.Ameris Bank$238.8M · 1 branch
- 2.Hancock Whitney Bank$138.1M · 1 branch
- 3.Regions Bank$126.7M · 2 branches
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Public transit
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
Panama City--Panama City Beach, FL
Reporting agencies
1
Largest: Bay County Transportation Planning Organization
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Alternative-fuel stations
Public EV charging stations
4
Established EV charging
Multiple public charging stations across the ZIP — typical of mid-density suburban and small-urban areas with active EV adoption.
Level 2 ports
17
AC charging — workplace, retail, home
DC Fast ports
0
Highway-class fast charging
Charging networks
- Blink Network
- FPLEV
- Tesla Destination
- + 1 more network
Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.
Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.
Public libraries
Public-library outlets
1
Single library outlet
One public-library outlet serves this ZIP — typical of suburban and small-town areas. Card holders also have full access to the rest of the system's branches.
Buildings
1
1 branch
Avg hours / week
47.8
across outlets in this ZIP
Avg square feet
9,400
per outlet
Outlets in this ZIP
- 1.Panama City Beach Library
Public libraries provide free WiFi, computer access, children's programming, job-seeking resources, and meeting space — community infrastructure beyond books. FY2023 outlet inventory from the federal Public Libraries Survey.
Source: Institute of Museum and Library Services (imls.gov). Per-ZIP counts of active public-library outlets — central buildings, branches, and bookmobiles — operated by federally reporting library systems.
Federal Disaster Declarations
Federally Declared Disasters
49
Date Range
1975–2024
Most Recent Declaration
HURRICANE HELENE
Hurricane — declared September 28, 2024 (DR-4828)
Incident period: September 23, 2024 – October 7, 2024
Top Incident Types
- Hurricane26 (53%)
- Severe Storm8 (16%)
- Fire5 (10%)
- Tropical Storm4 (8%)
- Flood4 (8%)
- Other2 (4%)
Individual Assistance
13
Direct help to disaster survivors
Households Program
5
Housing & temporary lodging support
Public Assistance
47
Repair of public facilities & roads
Hazard Mitigation
23
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
69.4°F
59.5° – 79.2°
Annual precipitation
61.3"
Diurnal range
19.8°F
Day-night swing
Heating · cooling days
1,287.6 · 2,902.7
Annual base 65°F
Nearest station: PANAMA CITY 5N, FL US, 8.5 miles from the centroid of Panama City Beach, FL (ZIP 32407)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Air quality
Median daily AQI
47
GoodGood 214dModerate 141dVery Unhealthy 1d
Peak AQI (2024)
215
Very Unhealthy
Primary pollutant
PM2.5
267 days as main pollutant
Days measured
356
Based on Bay County data (2024).
Source: U.S. Environmental Protection Agency, Air Quality System (epa.gov). Public domain. Only counties with EPA AQS monitoring stations appear here (~30% of US counties); rural ZIPs whose primary county has no monitor will not show this section.
Community health profile
Years of potential life lost (per 100K)
11,538
That is roughly 3,338 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
17%
of adults self-report
Poor physical health days
4.2
avg per adult per month
Poor mental health days
6.1
avg per adult per month
Uninsured
13.7%
of residents under 65
Primary care MDs
57
per 100,000 residents
Preventable hospital stays
2,639
per 100K Medicare enrollees
Food environment (0-10)
7.4
10 = best access & security
Exercise access
69%
residents near a facility
Flu vaccinated
39%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.3% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Bay data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Significant food access concerns
31.5% of Bay County, FL residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.18
per 1,000 residents
Supercenters & clubs
0.05
per 1,000 residents
SNAP-authorized stores
1.13
accepting food benefits
Fast-food restaurants
0.91
per 1,000 residents
Among low-income residents, 10.3% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Bay County, FL for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 246 reports
Property crime rate
—
per 100K residents · 1,146 reports
Homicide
2
Robbery
6
Burglary
200
Vehicle theft
63
County-level data for Bay (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▲+6,212 people
+3,255 households • +$378.5M net AGI flow
Moved in
11,613households
20,889 people • $882.2M AGI
Moved out
8,358households
14,677 people • $503.7M AGI
Where new residents came from
- Walton County, FL — 275 households
- Okaloosa County, FL — 233 households
- Washington County, FL — 182 households
- Leon County, FL — 149 households
- Gulf County, FL — 110 households
Where departing residents went
- Washington County, FL — 216 households
- Walton County, FL — 182 households
- Okaloosa County, FL — 155 households
- Leon County, FL — 124 households
- Jackson County, FL — 122 households
Incoming households reported an average AGI of $75,964 versus departing households' $60,262.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Florida
State-level rules that apply to every resident of ZIP 32407. Numbers reflect the most recent published year per source.
Tax rates
Income tax
None
No state income tax
Sales tax (combined)
6.98%
State 6.00% · avg local 0.98%
Property tax (effective)
0.50%
Median $787/year
Tax burden rank
8 of 50
8.90% of personal income
For ZIP 32407: A household at this ZIP's median AGI of $78,179 keeps approximately $3,596 more annually than residents of the typical income-tax state. Applied to this ZIP's typical home value of $395,998, that works out to roughly $1,998/year in property tax.
Paid family leave
Program
Voluntary (private insurance framework)
Voluntary (private insurance framework)
Safety net
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 32407
Other ZIPs in Panama City Beach
Nearby ZIPs by distance
32408 (Upper Grand Lagoon, 3.6 mi) · 32405 (Panama City, 7.3 mi) · 32444 (Lynn Haven, 8.8 mi) · 32413 (Panama City Beach, 9.4 mi) · 32401 (Panama City, 9.5 mi) · 32409 (Lynn Haven, 10.9 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
SourcesFresh.CDC PLACES · Apr 24, 2026Fresh.NCES CCD via Urban Institute EDP · Apr 26, 2026Fresh.HUD SAFMR · May 1, 2026
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
31.8%
Tracks close to the 33.0% national rate.
High Blood Pressure
35.1%
3.1pp above the 32.0% national rate.
Depression
20.8%
Tracks close to the 22.0% national rate.
Annual Checkup
76.3%
Tracks close to the 76.0% national rate.
Health Insurance
10.4%
2.6pp below the 13.0% national rate.
Diabetes
10.4%
Tracks close to the 11.0% national rate.
Schools in this ZIP
3 schools serve this ZIP, including 3 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| J.R. ARNOLD HIGH SCHOOL | Public | 9–12 | 1,563 |
| BREAKFAST POINT ACADEMY | Public | -1–8 | 1,048 |
| HUTCHISON BEACH ELEMENTARY SCHOOL | Public | -1–5 | 631 |
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 26, 2026Colleges & universities nearby
Colleges in this area
6
Median in-state tuition
$3,120
Median earnings (10 yr)
$36,779
- 4-Year
Gulf Coast State College
Panama City, FL · 32401
- In-state tuition
- $2,370
- Out-of-state tuition
- $8,635
- Acceptance rate
- —
- Graduation rate
- 44.1%
- Median earnings (10 yr)
- $38,359
- Median student debt
- $7,147
- 4-Year
Chipola College
Marianna, FL · 32446
- In-state tuition
- $3,120
- Out-of-state tuition
- $8,950
- Acceptance rate
- —
- Graduation rate
- 57.2%
- Median earnings (10 yr)
- $37,378
- Median student debt
- —
- Certificate
Tom P. Haney Technical College
Panama City, FL · 32405
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 57.8%
- Median earnings (10 yr)
- $28,254
- Median student debt
- —
- 4-Year
Baptist University of Florida
Graceville, FL · 32440
- In-state tuition
- $15,000
- Out-of-state tuition
- $15,000
- Acceptance rate
- 36.0%
- Graduation rate
- 62.1%
- Median earnings (10 yr)
- $42,836
- Median student debt
- $23,590
- Certificate
Emerald Coast Technical College
DeFuniak Springs, FL · 32433
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 77.3%
- Median earnings (10 yr)
- $36,180
- Median student debt
- —
- Certificate
Florida Panhandle Technical College
Chipley, FL · 32428
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 41.4%
- Median earnings (10 yr)
- $32,320
- Median student debt
- —
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Panama City Beach, FL (ZIP 32407) sits in Bay County within the Panama City-Panama City Beach metro area. The page draws on 2 federal data feeds retrieved Apr 26. Top health signal: High Blood Pressure comes in above the national average at 35.1%. NCES lists 3 schools serving the area, 3 non-charter. 6 colleges and universities serve the area, with median in-state tuition of $3,120. IRS data shows average household income (AGI) of $78,179, well above the ~$45K national average per return. FEMA has issued 49 federal disaster declarations affecting this ZIP since 1975 — a high-frequency exposure profile. Annual precipitation averages 61.3" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 11,538 years of potential life lost per 100,000 (2025) — well above the national county median. 31.5% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. Florida has no state income tax, saving the local median household (AGI $78,179) approximately $3,596/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 6,212 residents (3,255 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $75,093, fair market rent of $2,240 for a two-bedroom, and a typical home value of $395,998, down 5.4% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits near the national rate at 20.8%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 32407
What is the obesity rate in ZIP 32407?
31.8%, which is 1.2 percentage points below the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 32407?
20.8%, which is 1.2 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 32407?
35.1%, which is 3.1 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
How many schools are in ZIP 32407?
3 schools serve this ZIP, including 3 public schools (NCES CCD, retrieved Apr 26, 2026). No charter schools are listed in this ZIP by NCES CCD.
Does ZIP 32407 have charter schools?
No charter schools are listed in ZIP 32407 by NCES CCD (retrieved Apr 26, 2026).
Are there high schools in ZIP 32407?
Yes, 1 high school serves this ZIP: J.r. Arnold High School. (NCES CCD, retrieved Apr 26, 2026).
What is the population of ZIP 32407?
14,710 people live in ZIP 32407, with a median age of 39.0 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 32407?
$75,093 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 32407 mostly renters or homeowners?
In ZIP 32407, 58.7% of occupied housing units are owner-occupied and 41.3% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 32407?
In ZIP 32407, 8.2% of workers work from home. Public transit is used by 1.5% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 32407?
7.8% of the population in ZIP 32407 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 32407 have broadband internet?
95.6% of households in ZIP 32407 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 32407?
The typical home value in ZIP 32407 is $395,998, down 5.4% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 32407?
Home values are down 5.4% over the past year and up 22.3% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 32407?
The average Adjusted Gross Income reported on tax returns from ZIP 32407 (Panama City Beach, FL) is $78,179 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 32407?
Tax returns from ZIP 32407 report an average of $233 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 32407 earn over $200,000?
6.4% of tax returns from ZIP 32407 (Panama City Beach, FL) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 32407?
As of 2022, 626 business establishments operated in ZIP 32407 employing 7,560 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 32407?
The average annual pay across all local establishments in ZIP 32407 is $39,150, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 32407 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 32407 ranks in the 69th percentile nationally for social vulnerability — a high vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 32407?
Housing Type & Transportation is the highest-scoring CDC SVI theme for ZIP 32407, ranking in the 78th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 32407 experienced?
FEMA has recorded 49 federal disaster declarations affecting ZIP 32407 between 1975–2024 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 32407?
Hurricane is the most common federally declared disaster type affecting ZIP 32407, accounting for 26 of 49 declarations (53%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 32407?
The most recent FEMA disaster declaration affecting ZIP 32407 was "HURRICANE HELENE" — a hurricane declared in 2024 (DR-4828) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 32407?
6 colleges and universities are listed near ZIP 32407 by the U.S. Department of Education College Scorecard, including Gulf Coast State College, Chipola College, and Tom P. Haney Technical College (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 32407?
Median in-state tuition across 6 nearby institutions is $3,120 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 32407?
Graduates of nearby colleges earn a median of $36,779 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 32407?
ZIP 32407 has an average annual temperature of 69.4°F and 61.3" of annual precipitation based on the PANAMA CITY 5N, FL US weather station 8.5 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Does ZIP 32407 have public transit?
Yes — ZIP 32407 is part of the Panama City--Panama City Beach, FL urbanized area, primarily served by Bay County Transportation Planning Organization (National Transit Database 2024, retrieved May 4, 2026).
What taxes apply in ZIP 32407?
Florida has no state income tax. For a household earning the local median AGI of $78,179, this saves approximately $3,596 per year compared to the national average effective state tax rate. The combined state and local sales tax rate is 6.98% (Tax Foundation 2025).
Does Florida have paid family leave?
Florida runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).
What data is available for ZIP 32407?
This page covers health outcomes from CDC PLACES (33 metrics), school information from NCES CCD (3 schools), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (6 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (49 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), public transit coverage from the National Transit Database (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 26, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (49 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 32407
Other ZIPs in Panama City Beach
Nearby ZIPs by distance
32408 (Upper Grand Lagoon, 3.6 mi) · 32405 (Panama City, 7.3 mi) · 32444 (Lynn Haven, 8.8 mi) · 32413 (Panama City Beach, 9.4 mi) · 32401 (Panama City, 9.5 mi) · 32409 (Lynn Haven, 10.9 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
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Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
69th percentile
High Vulnerability
Based on 7 census tracts, population 13,620
Vulnerability Themes
Households Without Vehicle
270
Limited English Speakers
329
Persons with Disability
1,988
Without HS Diploma
672
Without Health Insurance
2,294
Adults Age 65+
2,239
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.