Housing data for ZIP code 32413

Name: Housing in ZIP code 32413, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

ZIP code 32413 has an estimated 15,453 residents and 16,908 homes (US Census Bureau, 2020–2024 American Community Survey).

Most of its land lies in Panama City Beach, Bay County.

29.8% of households rent.

The median gross rent is $1,702 (±$79) a month.

The median home value is $441,300 (±$26,066).

The median household income is $80,039 (±$4,643) a year.

Figures last updated on November 12, 2026.

Residents: 15,453 (±967)
Median gross rent: $1,702
Median home value: $441,300
Households that rent: 29.8%

How ZIP code 32413 compares

Estimate (90% margin of error)
	ZIP 32413	Panama City Beach	Bay County	Florida	United States
Residents	15,453 (±967)	18,971	186,393	22,416,077	334,922,499
Housing units	16,908 (±754)	21,204	108,362	10,256,470	143,775,355
Households that rent	29.8% (±3.7 points)	40.8%	33.2%	32.4%	34.8%
Median gross rent	$1,702 (±$79)	$1,791	$1,484	$1,669	$1,413
Median home value	$441,300 (±$26,066)	$441,300	$310,500	$359,000	$332,700
Median household income	$80,039 (±$4,643)	$80,941	$73,533	$74,568	$80,734
Median real estate taxes (a year)	$2,513 (±$149)	$2,579	$1,807	$2,730	$3,119
Renters paying 30% or more of income	62.5% (±12.4 points)	59.6%	60.1%	60.0%	51.1%
Built before 1980	19.2% (±3.0 points)	8.6%	24.3%	33.9%	49.7%
Average commute	20.6 minutes (±2.4)	20.7 minutes	23.9 minutes	28.0 minutes	26.4 minutes
Households with broadband	94.5% (±2.1 points)	94.5%	92.8%	91.6%	91.0%
Median age of residents	53.0 years (±1.9)	45.4 years	41.0 years	42.6 years	38.9 years

In ZIP 32413, median gross rent is higher than in Bay County ($1,484).

It is not measurably different from Florida ($1,669).

It is higher than the national figure ($1,413).

The median gross rent in ZIP code 32413 is not measurably different from Panama City Beach as a whole ($1,791).

Its median home value is not measurably different from Panama City Beach as a whole ($441,300).

Among the 12 ZIP codes in Bay County with a published estimate, ZIP 32413 ranks 4 from highest to lowest median gross rent.

Among the 11 ZIP codes in Bay County with a published estimate, ZIP 32413 ranks 2 from highest to lowest median home value.

Among the 12 ZIP codes in Bay County with a published estimate, ZIP 32413 ranks 5 from highest to lowest median household income.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

Rent in ZIP code 32413

Share of rented homes in each gross-rent range, 2020–2024
Monthly gross rent	ZIP 32413	Bay County	Florida	United States
Less than $500	0.5% (±0.8 points)	2.7%	3.6%	6.3%
$500 to $999	4.3% (±3.1 points)	13.3%	10.7%	20.2%
$1,000 to $1,499	26.7% (±7.6 points)	35.2%	26.0%	28.1%
$1,500 to $1,999	45.9% (±8.3 points)	31.6%	28.8%	21.1%
$2,000 to $2,499	20.8% (±7.8 points)	12.2%	17.4%	12.0%
$2,500 to $2,999	0.2% (±0.5 points)	2.7%	7.2%	5.5%
$3,000 or more	1.8% (±2.1 points)	2.3%	6.3%	6.8%

The most common range is $1,500 to $1,999, paid by 45.9% of renting households.

Rent by bedrooms in ZIP code 32413

Median gross rent by number of bedrooms, estimate (90% margin of error)
Bedrooms	Census median
Studio	$1,194 (±$113)
1 bedroom	$1,725 (±$55)
2 bedrooms	$1,750 (±$126)
3 bedrooms	$1,921 (±$295)
4 bedrooms	$1,828 (±$340)

Rent burden in ZIP code 32413

Renting households by gross rent as a percentage of household income, 2020–2024
Share of income spent on rent	ZIP 32413	Bay County	Florida	United States
Less than 15%	3.3% (±2.9 points)	6.4%	8.1%	12.6%
15% to 19.9%	13.8% (±6.9 points)	10.2%	9.3%	12.2%
20% to 24.9%	12.0% (±5.5 points)	14.0%	11.3%	12.6%
25% to 29.9%	8.4% (±4.8 points)	9.3%	11.3%	11.5%
30% to 34.9%	16.0% (±7.1 points)	14.4%	9.8%	9.2%
35% or more	46.5% (±10.2 points)	45.7%	50.2%	41.9%

62.5% (±12.4 points) of renting households in ZIP code 32413 spend 30% or more of their income on gross rent.

Home values in ZIP code 32413

Owner-occupied homes by value, 2020–2024
Value	ZIP 32413	Bay County	Florida	United States
Less than $50,000	2.9% (±1.3 points)	4.8%	4.9%	5.3%
$50,000 to $99,999	1.6% (±1.0 points)	5.5%	4.3%	6.1%
$100,000 to $149,999	0.9% (±0.6 points)	5.9%	4.6%	6.8%
$150,000 to $199,999	5.2% (±2.6 points)	9.7%	6.8%	9.0%
$200,000 to $299,999	7.1% (±2.0 points)	21.7%	17.9%	17.8%
$300,000 to $499,999	42.8% (±5.3 points)	34.8%	34.5%	26.9%
$500,000 to $999,999	34.8% (±4.2 points)	14.8%	21.1%	20.9%
$1,000,000 or more	4.6% (±1.6 points)	2.9%	5.9%	7.1%

Value is the owner’s own estimate of what the home and lot would sell for, not a sale price or an assessment.

The homes in ZIP code 32413

Housing units by units in structure, 2020–2024
Building type	ZIP 32413	Bay County	Florida	United States
Single-family, detached	44.8% (±2.6 points)	51.0%	54.7%	61.3%
Single-family, attached (townhouse, rowhouse)	4.1% (±1.1 points)	5.2%	6.7%	6.2%
2 units	2.2% (±0.9 points)	2.5%	2.0%	3.4%
3 or 4 units	2.6% (±1.2 points)	4.3%	3.9%	4.3%
5 to 9 units	5.7% (±1.7 points)	4.3%	4.7%	4.5%
10 to 19 units	4.9% (±1.3 points)	3.8%	5.4%	4.3%
20 or more units	30.4% (±2.4 points)	18.8%	14.4%	10.3%
Mobile home	5.3% (±1.8 points)	10.0%	8.0%	5.6%
Boat, RV, van, etc.	0.0% (±0.1 points)	0.2%	0.2%	0.1%

When the homes in ZIP code 32413 were built

Housing units by year structure built, 2020–2024
Year built	ZIP 32413	Bay County	Florida	United States
2020 or later	6.0% (±1.2 points)	5.3%	3.2%	2.0%
2010 to 2019	12.1% (±1.7 points)	11.7%	11.0%	9.4%
2000 to 2009	30.3% (±2.9 points)	22.6%	18.1%	13.6%
1990 to 1999	12.8% (±2.5 points)	14.7%	14.6%	12.4%
1980 to 1989	19.6% (±2.7 points)	21.3%	19.0%	12.9%
1970 to 1979	13.3% (±2.6 points)	11.4%	15.8%	14.2%
1960 to 1969	2.7% (±0.9 points)	4.4%	8.0%	9.9%
1950 to 1959	2.0% (±0.8 points)	4.3%	6.5%	9.5%
1940 to 1949	0.7% (±0.4 points)	2.6%	1.7%	4.4%
1939 or earlier	0.5% (±0.6 points)	1.6%	1.9%	11.7%

19.2% of the homes in ZIP code 32413 were built before 1980, so many fall under the federal lead-paint disclosure rules for homes built before 1978.

Heating fuel in ZIP code 32413

Occupied housing units by house heating fuel, 2020–2024
Fuel used most	ZIP 32413	Bay County	Florida	United States
Utility gas	6.6% (±1.8 points)	8.6%	5.4%	46.5%
Fuel oil, kerosene, etc.	0.3% (±0.5 points)	0.1%	0.1%	3.9%
Electricity	89.5% (±2.3 points)	87.4%	90.4%	41.3%
Bottled or tank gas (propane)	0.9% (±0.7 points)	1.5%	0.9%	4.9%
Wood	0.0% (±0.7 points)	0.2%	0.1%	1.4%
Solar energy	0.4% (±0.4 points)	1.0%	0.5%	0.3%
Coal or coke	0.0% (±0.7 points)	0.0%	0.0%	0.1%
Other fuel	0.6% (±0.8 points)	0.1%	0.1%	0.5%
No fuel used	1.7% (±1.3 points)	1.0%	2.4%	1.2%

How people in ZIP code 32413 get to work

Workers 16 and over by means of transportation to work, 2020–2024
Means of transportation	ZIP 32413	Bay County	Florida	United States
Drove alone	74.7% (±5.4 points)	75.1%	70.2%	68.8%
Carpooled	7.2% (±2.8 points)	11.5%	9.2%	8.5%
Public transportation	0.0% (±0.6 points)	0.3%	1.2%	3.2%
Walked	1.9% (±1.4 points)	1.1%	1.4%	2.4%
Other means (bicycle, taxi, motorcycle)	2.9% (±1.7 points)	1.9%	2.4%	2.0%
Worked from home	13.2% (±3.7 points)	10.1%	15.7%	15.1%

Workers who live in ZIP code 32413 take an average of 20.6 minutes to get to work.

Places in ZIP code 32413

Places whose land overlaps this ZIP code, with the share of the ZIP’s land in each
Place	Share of the ZIP’s land in this place	Median gross rent	Households that rent
Panama City Beach	13%	$1,791	40.8%

A township or a New York town includes the villages inside it, so their shares can add up to more than the whole.

ZIP codes near 32413

Nearest ZIP codes with Census figures, by straight-line distance between their internal points
ZIP code	Distance	Median gross rent	Median home value	Median household income	Households that rent
32437	9.1 mi	$967	$183,800	$46,477	25.4%
32407	9.4 mi	$1,840	$404,200	$80,831	43.6%
32461	10 mi	$2,607	$1,095,100	$145,706	13.8%
32409	11 mi	$1,409	$275,700	$64,516	7.8%
32408	13 mi	$1,584	$382,300	$80,822	37.0%
32444	15 mi	$1,474	$331,000	$83,160	30.2%
32405	15 mi	$1,467	$279,900	$73,373	40.5%
32401	18 mi	$1,152	$230,500	$52,523	39.7%

ZIP code 32413 is reported as ZIP Code Tabulation Area 32413: the Census Bureau’s area built from census blocks to match the ZIP code’s delivery area as closely as it can.

Survey years: 2020–2024 (American Community Survey 5-year estimates).

Margins of error are at the 90% confidence level.

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Questions about ZIP 32413

What is the median rent in ZIP code 32413?

The median gross rent in ZIP Code Tabulation Area 32413 is $1,702 (±$79) a month (2020–2024 American Community Survey).

What is the median home value in ZIP code 32413?

The median value of owner-occupied homes in ZIP code 32413 is $441,300 (±$26,066) (2020–2024 American Community Survey).

What is the median household income in ZIP code 32413?

The median household income in ZIP code 32413 is $80,039 (±$4,643) a year (2020–2024 American Community Survey).

What town is ZIP code 32413 in?

ZIP code 32413 lies mostly in Panama City Beach.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for ZCTA5 32413 (zip code tabulation area:32413).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The API needs a free key.

Request a Census API key.

DP05_0001E, DP05_0001M, DP04_0134E, DP04_0134M, DP04_0089E, DP04_0089M, DP03_0062E, DP03_0062M, DP04_0047PE, DP04_0047PM

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.