Bay County

Bay County has 186,393 residents across 12 ZIP codes with their own report. Median household income is $73,533, in line with the Florida figure. The typical owner-occupied home is valued at $310,500, and 30% of adults 25 and over hold a bachelor’s degree or higher.

County · ACS 2020–2024 · Updated October 24, 2026

186,393residentsACS 2020–2024

$73,533median household incomeFlorida: $75K

$310,500median home valueowner-occupied homes

93%of households have broadbandhome internet subscription

Bay County in FloridaZIP codes in Bay County highlighted; the rest of Florida in grey

Map of Florida with Bay County highlighted

Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates · U.S. Census Bureau, 2024 Gazetteer and 2020 ZCTA relationship files

All 12 ZIP codes.

Colour shows where each zip code sits among the others in the table, from lowest to highest.

ZIP code	Residents	Household income	Home value	Owners	Bachelor's+	Broadband	Commute
32401	18,947	$53K	$231K	60%	21%	85%	23 min
32403	447	$119K	$-666667K	0%	36%	100%	15 min
32404	42,514	$75K	$274K	69%	23%	96%	29 min
32405	29,984	$73K	$280K	60%	31%	93%	24 min
32407	16,404	$81K	$404K	56%	40%	96%	21 min
32408	18,832	$81K	$382K	63%	36%	93%	22 min
32409	11,113	$65K	$276K	92%	28%	91%	33 min
32410	550	$64K	$461K	73%	38%	99%	27 min
32413	15,453	$80K	$441K	70%	37%	95%	22 min
32438	4,815	$50K	$154K	82%	13%	77%	48 min
32444	21,459	$83K	$331K	70%	36%	94%	27 min
32466	5,916	$60K	$180K	84%	13%	91%	34 min

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

People.

186,393 residents in 78,778 households, next to the Florida figure.

21%

under 18

21%

aged 18–34

18%

aged 65 and over

29%

of households are people living alone

47%

of households are married couples

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

Homes.

108,362 housing units; the median owner-occupied home is valued at $310,500 (±$6,825).

67%

of households own their home

51%

of homes are detached single-family houses

27%

are in buildings with 5 or more units

10%

are mobile homes

27%

of housing units are vacant

$1,484

median gross rent a month

When homes were built

2020 or later5%

2010–201912%

2000–200923%

1990–199915%

1980–198921%

1970–197911%

1960–19694%

1950–19594%

1940–19493%

1939 or earlier2%

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

Income and work.

Household income and work, in 2024 dollars; median household income ±$2,046.

$73,533

median household income

11.9%

of people live below the poverty line

3.9%

unemployment rate

30%

of adults 25+ hold a bachelor’s degree or higher

The poverty rate uses the federal poverty thresholds, which vary with family size. It says nothing on its own about what a neighborhood is like to live in.

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

Getting around.

How workers aged 16 and over get to work, and how long it takes.

26 min

average commute to work

12%

of commuters travel 45 minutes or more

87%

of workers drive or carpool

take public transportation

walk or bike

10%

work from home

of households have no car

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

Internet.

Home internet subscriptions.

93%

of households have a broadband subscription

have no internet access at home

American Community Survey figures are estimates from a rolling sample, averaged over 2020–2024. Each comes with a margin of error, which is wider in places with fewer people.

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates