Panama City Florida ZIP Codes

Panama City holds 11 ZIP codes, all inside one county and one postal prefix.

Every ZIP code in Panama City

The complete list of Panama City, Florida ZIP codes with the county each falls in.
ZIP code	County
32401	Bay County
32402	Bay County
32403	Bay County
32404	Bay County
32405	Bay County
32406	Bay County
32408	Bay County
32409	Bay County
32411	Bay County
32412	Bay County
32417	Bay County

We do not publish a delivery type (standard, PO box, unique) or a neighbourhood for each ZIP. USPS delivery-type products are licensed, and no clean-rights source maps ZIP codes to neighbourhoods — so the Panama City codes above are listed without a column we would have to invent.

Scope every ZIP code recorded for Panama City. Source GeoNames US postal codes (2026-07 postal dump) and Census 2024 county Gazetteer (2024 Gazetteer). Updated 15 July 2026. ZIP codes are delivery-route groupings, not areas; the boundaries implied by any ZIP map are approximations.

How these codes cluster

Every Panama City ZIP code begins 324. Those first three digits identify the sectional center facility that processes mail for this part of Florida. Statewide that range covers 53 ZIP codes, so Panama City accounts for 21% of it.

Every Florida ZIP prefix and the region it covers →

Area codes covering Panama City

ZIP codes and area codes are separate systems — one routes mail, the other routes calls — and they do not share boundaries. The codes below serve the same ground Panama City occupies.

Panama City Florida area codes in full →

Where Panama City's ZIP codes sit

Each point is one Panama City ZIP code, plotted from its record coordinates. The outline is the convex envelope of those points — a footprint, not a boundary.

Reference points and footprint
Not an official NANPA boundary
Not a USPS delivery area

Cities near Panama City

The closest places to Panama City with their own ZIP code list, nearest first.
City	Distance	ZIP codes
Lynn Haven Florida ZIP codes	5.1 mi	1 ZIP code
Panama City Beach Florida ZIP codes	13 mi	2 ZIP codes
Mexico Beach Florida ZIP codes	22 mi	1 ZIP code
Ebro Florida ZIP codes	23 mi	1 ZIP code
Wewahitchka Florida ZIP codes	29 mi	2 ZIP codes
Vernon Florida ZIP codes	31 mi	1 ZIP code
Wausau Florida ZIP codes	33 mi	1 ZIP code
Freeport Florida ZIP codes	36 mi	1 ZIP code

Straight-line distance between place reference points, not driving distance.