ZIP Code 32409 — Panama City, FL
32409 is a standard (street delivery) ZIP code serving Panama City, Florida, in Bay County. To mail something here you only need these five digits — but the four-digit extension narrows delivery to a single point, and it is what USPS bulk postage discounts are priced on.
ZIP code 32409 at a glance
| ZIP code | 32409 |
|---|---|
| Primary city | Panama City |
| State | Florida (FL) |
| County | Bay FIPS 12005 |
| ZIP type | Standard (street delivery) |
| Time zone | America/Chicago |
| Population | 11,113 |
| Coordinates | 30.334470, -85.705160 |
How ZIP+4 works in 32409
The four digits after the hyphen encode a delivery segment inside 32409. In practice one segment usually means:
- One side of one block — odd numbers on a street between two cross streets
- A single large building, or one floor of it
- A group of PO boxes, sometimes a single box
- A single business that receives enough mail to warrant its own code
That is why 32409 has no single ZIP+4: two neighbors across the street from each other usually have different ones. Enter a street address above and we will return the exact nine-digit code along with the standardized USPS address format.
Other ZIP codes in Panama City
Nearby ZIP codes
Showing the closest twelve. See every ZIP code within 25 miles of 32409.
| ZIP | City | Distance |
|---|---|---|
| 32444 | Lynn Haven, FL | 7.3 mi |
| 32405 | Panama City, FL | 9.5 mi |
| 32407 | Panama City Beach, FL | 10.4 mi |
| 32413 | Panama City Beach, FL | 11 mi |
| 32408 | Panama City, FL | 12.4 mi |
| 32401 | Panama City, FL | 13.2 mi |
| 32437 | Ebro, FL | 13.8 mi |
| 32466 | Youngstown, FL | 14.8 mi |
| 32404 | Panama City, FL | 15.2 mi |
| 32462 | Vernon, FL | 17.2 mi |
| 32461 | Inlet Beach, FL | 19.7 mi |
| 32438 | Fountain, FL | 21.1 mi |
Questions about 32409
What is the ZIP+4 code for 32409?
32409 is the five-digit ZIP code. The ZIP+4 adds four more digits that identify a specific delivery point — usually one side of a city block, a single building, or a group of PO boxes. Because those four digits change from address to address within 32409, you need to look up a specific street address to get them.
What city is 32409?
32409 is assigned to Panama City, Florida, in Bay County.
Do I need to use the ZIP+4?
It is optional for ordinary mail, but it speeds up sorting and it is required for most USPS bulk-mail postage discounts. Many address-verification and e-commerce systems also use ZIP+4 to confirm a delivery point exists.
Need thousands of these?
Upload a CSV and get ZIP+4, county, carrier route, and delivery-point data appended to every row — or call the API directly.