Census tract · Bay County
Census Tract 5, Bay County, Florida
Census Tract 5, GEOID 12005000500, in Bay County, Florida, partly within Panama City, Callaway and Springfield. 8,490 residents in the ACS 2020-2024 5-year estimates (±978); the 2020 Census counted 7,602.
Residents, 2020-2024
8,490
±978 (90% margin)
2020 Census count: 7,602
Median household income
$85,618
±$15,562 (90% margin)
Bay County: $73,533
Median home value
$322,800
±$22,093 (90% margin)
Bay County: $310,500
Median gross rent
$1,831
±$179 (90% margin)
Bay County: $1,484
Where is Census Tract 5?
Census Tract 5 is one of 50 census tracts in Bay County, Florida. It covers 130.42 square miles of land, 58 residents per square mile in 2020. Its GEOID, 12005000500, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Panama City | 15% |
| Callaway | 4% |
| Springfield | 3% |
13 census tracts border Census Tract 5: Tract 3.02 ($57,329), Tract 4.02 ($80,890), Tract 6 ($63,864), Tract 7, Tract 8.03 ($55,541), Tract 8.04 ($72,279), Tract 8.06 ($81,462), Tract 11 ($45,653), Tract 12 ($70,000), Tract 13.01 ($100,375), Tract 13.02 ($79,173), Tract 102 in Calhoun County ($47,813) and Tract 9601.02 in Gulf County ($61,339). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 5?
The 2020-2024 American Community Survey puts Census Tract 5's population at 8,490 (±978) in 3,244 households; the 2020 Census counted 7,602 residents and 2,859 housing units.
| Measure | Tract 5 | Bay County |
|---|---|---|
| Total population | 8,490 ±978 | 186,393 |
| Households | 3,244 ±450 | 78,778 |
| Average household size | 2.48 ±0.17 | 2.33 |
| Housing units | 3,594 ±478 | 108,362 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 5?
The median resident of Census Tract 5 is 37.0 years old; 21.0% are under 18 and 12.0% are 65 or older. The largest group is non-Hispanic white residents at 67.5%, then Hispanic or Latino residents (of any race) at 11.4%. 4.1% of residents were born outside the United States.
| Measure | Tract 5 | Bay County |
|---|---|---|
| Median age | 37.0 ±2.9 | 41.0 |
| Under 18 years | 21.0% ±3.3 pts | 21.1% |
| 65 years and over | 12.0% ±2.6 pts | 18.3% |
| Hispanic or Latino (any race) | 11.4% ±6.4 pts | 9.2% |
| White alone, not Hispanic | 67.5% ±7.7 pts | 72.7% |
| Black or African American alone, not Hispanic | 8.0% ±3.8 pts | 9.8% |
| Asian alone, not Hispanic | 2.7% ±1.7 pts | 2.0% |
| American Indian and Alaska Native alone, not Hispanic | 0.5% ±0.5 pts | 0.2% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.1% ±0.2 pts | 0.1% |
| Two or more races, not Hispanic | 9.7% ±4.3 pts | 5.6% |
| Some other race alone, not Hispanic | 0.0% ±0.6 pts | 0.5% |
| Born outside the United States | 4.1% ±2.3 pts | 8.6% |
| Speak a language other than English at home (age 5+) | 8.9% ±4.8 pts | 10.9% |
| Civilian veterans (age 18+) | 14.7% ±4.6 pts | 13.6% |
| With a disability | 10.8% ±4.7 pts | 17.4% |
| No health insurance coverage | 16.8% ±8.9 pts | 14.4% |
| High school graduate or higher (age 25+) | 96.3% ±2.6 pts | 91.4% |
| Bachelor's degree or higher (age 25+) | 30.8% ±6.1 pts | 29.6% |
| Graduate or professional degree (age 25+) | 16.8% ±6.1 pts | 10.7% |
| Lived in the same house a year earlier | 84.8% ±6.3 pts | 82.3% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 5 earn?
Half of the 3,244 households in Census Tract 5 earn less than $85,618 a year (±$15,562), against $73,533 across Bay County: 10th highest of the county's 48 tracts with a reliable estimate. 5.9% of residents live below the poverty line.
| Measure | Tract 5 | Bay County |
|---|---|---|
| Median household income | $85,618 ±$15,562 | $73,533 |
| Mean household income | $105,427 ±$13,490 | $96,618 |
| Per capita income | $39,759 ±$4,398 | $40,782 |
| People below the poverty line | 5.9% ±3.8 pts | 11.9% |
| Children under 18 below the poverty line | 3.9% ±3.3 pts | 17.3% |
| Households receiving SNAP | 10.9% ±5.9 pts | 12.6% |
| Households with a computer | 98.7% ±1.6 pts | 97.3% |
| Households with a broadband subscription | 99.0% ±1.2 pts | 92.8% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 5?
Owners occupy 77.5% of Census Tract 5's occupied homes and renters 22.5%. The median owner-occupied home is valued at $322,800 by its owner (±$22,093). The median renter pays $1,831 a month including utilities, and 25.9% of renters pay 35% or more of their income on rent.
| Measure | Tract 5 | Bay County |
|---|---|---|
| Median home value (owner-occupied) | $322,800 ±$22,093 | $310,500 |
| Median gross rent | $1,831 ±$179 | $1,484 |
| Renters paying 35% or more of income on rent | 25.9% ±16.9 pts | 45.7% |
| Median monthly owner costs, with a mortgage | $1,737 ±$120 | $1,778 |
| Owner-occupied homes | 77.5% ±6.9 pts | 66.8% |
| Renter-occupied homes | 22.5% ±6.9 pts | 33.2% |
| Housing units | 3,594 ±478 | 108,362 |
| Single-family detached homes | 76.1% ±6.2 pts | 51.0% |
| Mobile homes | 9.3% ±4.0 pts | 10.0% |
| Built 2020 or later | 10.6% ±4.8 pts | 5.3% |
| Built 2010 to 2019 | 30.7% ±7.9 pts | 11.7% |
| Built 1939 or earlier | 0.0% ±1.4 pts | 1.6% |
| Households with no vehicle | 0.5% ±0.7 pts | 4.3% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 5 get to work?
81.8% of Census Tract 5's workers drive alone. The average trip to work takes 27.7 minutes.
| Measure | Tract 5 | Bay County |
|---|---|---|
| In the labor force (age 16+) | 67.0% ±4.2 pts | 63.6% |
| Unemployment rate | 1.1% ±1.0 pts | 3.9% |
| Drove alone to work | 81.8% ±7.1 pts | 75.1% |
| Carpooled | 14.2% ±6.2 pts | 11.5% |
| Public transportation | 0.0% ±1.1 pts | 0.3% |
| Walked | 0.0% ±1.1 pts | 1.1% |
| Worked from home | 4.0% ±3.0 pts | 10.1% |
| Mean travel time to work | 27.7 min ±2.6 | 23.9 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 5 compare with the other tracts in Bay County?
Among Bay County's tracts with a reliable estimate, Census Tract 5 ranks as shown below (1 = highest).
| Measure | In Bay County |
|---|---|
| Population | 1st of 49 |
| Residents per square mile | 44th of 49 |
| Median household income | 10th of 48 |
| Per capita income | 25th of 49 |
| Median home value | 22nd of 48 |
| Median gross rent | 8th of 45 |
| Poverty rate | 31st of 34 |
| Bachelor's degree or higher | 21st of 47 |
| Median age | 37th of 49 |
| Owner-occupied share | 17th of 48 |
The tracts next to it on Bay County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 2.04 | 7th | $86,292±$15,848 · within the margin of this tract |
| Tract 27.07 | 8th | $85,664±$20,285 · within the margin of this tract |
| Tract 26.06 | 9th | $85,655±$9,385 · within the margin of this tract |
| Tract 5 | 10th | $85,618±$15,562 |
| Tract 27.03 | 11th | $83,214±$20,900 · within the margin of this tract |
| Tract 27.08 | 12th | $82,361±$48,981 · within the margin of this tract |
| Tract 27.12 | 13th | $82,292±$9,032 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 5?
1 of the 18 figures for Census Tract 5 on this page carries a coefficient of variation over 40% and is marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections