ZIP code 32404

ZIP 32404 is a small city in Bay County, Florida, with 42,117 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #132 of 1,013 ranked by population — larger than 87% of them. The median age here is 38.1 years against 39.1 nationally, a slightly younger profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 32404 earn a median of $72,208 a year, 8.1% below the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 9.5% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 32404 is valued at $239,700, 21% below the national figure, while median gross rent runs $1,355 a month, 3.6% below the national figure, or roughly $16,260 across a full year. A household on the local median income would put about 22.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 3.3×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 72.9% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 32404 is tabulated inside Bay County, Florida, one of 12 ZIP areas the Census publishes for that county and 1,013 across Florida. This is a dense urban ZIP, where a single postal boundary can hold more residents than an entire rural county. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 32404 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 32404 reports a median household income of $72,208, 6% above the $67,851 county median, and 3% above the $69,820 typical FL ZIP. Owner-occupied homes are valued at a median of $239,700, 6% below the county figure and 19% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,355 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Florida charges 6% statewide, and local governments overlapping 32404 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 32404 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.