16 ZIP Code Tabulation Areas in Bay County, Florida. The population-weighted median household income is about $71,269, the median home value about $299,210, and 68.6% of occupied homes are owner-occupied.
- 16
- ZIP codes
- 216.2K
- Population
- 53
- Data points
Bay County at a glance
- $71,269
- Median household income
- $299,210
- Median home value
- 41.6
- Median age
- 68.6%
- Owner-occupied
- 123,890
- Housing units
Income, home value, and age are population-weighted averages of the ZIP-level medians in the file. Counts are exact.
Top 5 Bay County ZIP codes by median household income| # | ZIP | City | Population | Homeowner % | Median HH $ |
|---|
| 1 | 32403 | Tyndall AFB | 447 | — | $118,594 |
| 2 | 32444 | Lynn Haven | 21,459 | 69.8% | $83,160 |
| 3 | 32407 | Panama City Beach | 16,404 | 56.4% | $80,831 |
| 4 | 32408 | Lower Grand Lagoon | 18,832 | 63% | $80,822 |
| 5 | 32413 | Laguna Beach | 15,453 | 70.2% | $80,039 |
Top 5 Bay County ZIP codes by population| # | ZIP | City | Population | Homeowner % | Median HH $ |
|---|
| 1 | 32404 | Callaway | 42,514 | 69.2% | $74,708 |
| 2 | 32405 | Cedar Grove | 29,984 | 59.5% | $73,373 |
| 3 | 32444 | Lynn Haven | 21,459 | 69.8% | $83,160 |
| 4 | 32401 | Cedar Grove | 18,947 | 60.3% | $52,523 |
| 5 | 32408 | Lower Grand Lagoon | 18,832 | 63% | $80,822 |
Top 5 Bay County ZIP codes by Homeowner GDP| # | ZIP | City | Population | Homeowner % | Median HH $ | Homeowner GDP |
|---|
| 1 | 32404 | Callaway | 42,514 | 69.2% | $74,708 | $835.6M |
| 2 | 32405 | Cedar Grove | 29,984 | 59.5% | $73,373 | $543.1M |
| 3 | 32444 | Lynn Haven | 21,459 | 69.8% | $83,160 | $503.7M |
| 4 | 32408 | Lower Grand Lagoon | 18,832 | 63% | $80,822 | $464.9M |
| 5 | 32413 | Laguna Beach | 15,453 | 70.2% | $80,039 | $423.1M |
Homeowner GDP = owner-occupied units × median household income — a proxy for aggregate homeowner spending power in a ZIP, useful for scoring market opportunity. Not an official economic statistic.
Densest: 32408 (Lower Grand Lagoon) at 2,198 people/sq mi. Least dense: 32403 (Tyndall AFB) at 10 people/sq mi.
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