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Bay County, FL

Pick an industry to see how saturated it is across Bay County's ZIP codes, compared with the U.S. average. All figures use Census ZBP 2023 + ACS 2024.

Clothing stores

32–58 in Bay County
213–319%
of U.S. average Range spans bands

Convenience stores

30–52 in Bay County
151–211%
of U.S. average High density

Restaurants

198–218 in Bay County
142–150%
of U.S. average Above average

Bars

26–52 in Bay County
119–191%
of U.S. average Range spans bands

Fast food

160–180 in Bay County
110–117%
of U.S. average Above average

Pharmacies

21–43 in Bay County
94–147%
of U.S. average Range spans bands

Beauty salons

34–56 in Bay County
75–102%
of U.S. average Range spans bands

Coffee shops

32–58 in Bay County
70–105%
of U.S. average Range spans bands

Car washes

7–37 in Bay County
66–254%
of U.S. average Range spans bands

Day care

29–53 in Bay County
66–97%
of U.S. average Below average

Grocery stores

22–46 in Bay County
65–106%
of U.S. average Range spans bands

Nail salons

11–41 in Bay County
59–168%
of U.S. average Range spans bands

Dentists

39–65 in Bay County
54–75%
of U.S. average Range spans bands

Gyms

11–39 in Bay County
49–130%
of U.S. average Range spans bands

Pet care

6–36 in Bay County
44–189%
of U.S. average Range spans bands

Auto repair

4–36 in Bay County
21–138%
of U.S. average Range spans bands

Population, migration, and jobs

Population
199,718
Census PEP, July 1 2024
Change since 2020
+14.4%
+25,175 people
Net migration 2024
+7,266
international +2,192, domestic +5,074
Jobs located here
76,304
LODES 2022, +8.0% since 2019
Employed residents
71,712
LODES 2022, +7.1% since 2019
Net movers (IRS)
+4,010
tax year 2021–2022: 13,502 in, 9,492 out

Population. Census estimates 199,718 residents on July 1, 2024, 14.4% above 2020 (+25,175).

Latest year (2023→2024): births minus deaths +45, international migration +2,192, domestic migration +5,074. These are model-based estimates built from births, deaths, and migration, revised annually — not a census count, and they can differ from the ACS 5-year figure used elsewhere on the site. Components may not sum exactly because of rounding.

Jobs. LODES counts 76,304 jobs located in the county in 2022 (+8.0% since 2019) and 71,712 employed residents (+7.1% since 2019). A job and a worker are not the same thing: the first is measured at the workplace, the second at the home address, and one person can hold two jobs. Self-employed, military, and informal work are excluded.

Where movers come from and go. IRS matched individual tax returns between 2021 and 2022. 13,502 people (exemptions) moved into Bay County, reporting $545.5M in adjusted gross income; 9,492 moved out, reporting $335.6M. Net: +4,010 people.

Largest sources: Walton, FL (404) · Washington, FL (382) · Okaloosa, FL (313). Largest destinations: Washington, FL (494) · Walton, FL (321) · Leon, FL (222).

People are exemptions on matched returns — not a population estimate. Non-filers, dependents claimed elsewhere, and people whose address did not change are treated differently than in Census estimates. Tax data lag about two years.

Each source is reported at its own geography and year. None of them measures demand for a specific business type; they describe whether the local customer base and job base are expanding or shrinking. Definitions and limits →

ZIP gaining residents
2015–19 → 2020–24
Change
32407 Panama City Beach
+51.6%
ZIP losing residents
2015–19 → 2020–24
Change
32401 Panama City
−14.0%

ACS 5-year estimates for 2015–2019 and 2020–2024. Only ZIPs with at least 2,000 residents in both windows and a change larger than the survey margin of error (90%) are listed — small ZIPs move a lot on paper without a real signal.

ZIP change

Only ZIPs where the 2015–19→2020–24 population change is larger than the ACS margin of error and both windows have at least 2,000 residents. Sorted by population change. Jobs are LODES workplace jobs in the ZIP (2019→latest available year; 2019→2021 for Michigan, none for Alaska); a ZIP can contain more jobs than residents.

ZIPNeighborhood Residents 2015–19Residents 2020–24Pop change JobsJobs change
32407Panama City Beach 10,82216,404 +51.6% 6,328+23.6%
32401Panama City 22,02718,947 −14.0% 16,466+2.2%

Scroll the table sideways to see all columns.

How to read these numbers

Each percentage is the county's density of that business type per 10,000 people present (residents + 0.5×workers), divided by the U.S. average. 100% = exactly average.

Density is a supply-side signal. It does not measure foot traffic, income, tourism, or whether locals actually want more of a given business.

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BizGapMap — free, no-login small-business saturation reports for major U.S. counties. Built entirely from public U.S. Census, BLS, and IRS data (ZBP 2023, ACS 2024 5-year, PEP 2024, LODES, QCEW, IRS SOI). No forecasts, no revenue guesses — withheld cells are marked, and the few derived counts are labelled as estimates.