ZIP codes in Bay County

21 ZIPs touch Bay County, Florida. The blue dashed line is the county border; orange ZIPs reach into it.

ZIP codes

cross the county line

216,238

people in these ZIPs

counties in FL

Most people

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Bay County ZIP list

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Questions people actually ask

How many ZIP codes are in Bay County, Florida?

21 ZIP codes reach into Bay County, including 5 PO Box or single-address ZIPs placed by the town they serve. 7 of them are only partly in the county and also cover a neighboring county.

Which ZIP code in Bay County has the most people?

32404 (Panama City) has about 42,514 residents, the most of any ZIP touching Bay County, in the Census Bureau’s ACS 2020–2024 estimates.

Can a ZIP code be in Bay County and another county?

Yes. ZIP codes follow mail routes, not county lines. Rows marked with a percentage show how much of that ZIP’s land is in Bay County. For one address, pin the exact spot on the ZIP finder to see its county.

Where does this list come from?

ZIP areas and their county overlaps come from the Census Bureau’s 2020 ZIP Code Tabulation Area to county relationship file. PO Box ZIPs have no area, so each is placed in the county of the ZIP area nearest the town it serves.

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Updated 2026-11-10 · Where the data comes from