Census tract · Bay County
Census Tract 16, Bay County, Florida
Census Tract 16, GEOID 12005001600, in Bay County, Florida, mostly within Panama City (98% of its census blocks). 2,219 residents in the ACS 2020-2024 5-year estimates (±562); the 2020 Census counted 2,660.
Residents, 2020-2024
2,219
±562 (90% margin)
2020 Census count: 2,660
Median household income
$28,359
±$13,777 (90% margin)
Bay County: $73,533
Median home value
$217,600
±$32,434 (90% margin)
Bay County: $310,500
Median gross rent
$910
±$121 (90% margin)
Bay County: $1,484
Where is Census Tract 16?
Census Tract 16 is one of 50 census tracts in Bay County, Florida. It covers 2.21 square miles of land, 1,205 residents per square mile in 2020. Its GEOID, 12005001600, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Panama City | 98% |
| Cedar Grove | 1% |
6 census tracts border Census Tract 16: Tract 12 ($70,000), Tract 13.02 ($79,173), Tract 15.02 ($82,238), Tract 17 ($50,089), Tract 19 ($79,181) and Tract 20 ($28,269). 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 16?
The 2020-2024 American Community Survey puts Census Tract 16's population at 2,219 (±562) in 1,150 households; the 2020 Census counted 2,660 residents and 1,323 housing units.
| Measure | Tract 16 | Panama City |
|---|---|---|
| Total population | 2,219 ±562 | 34,979 |
| Households | 1,150 ±345 | 15,169 |
| Average household size | 1.70 ±0.32 | 2.25 |
| Housing units | 1,561 ±306 | 17,104 |
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 16?
The median resident of Census Tract 16 is 45.7 years old; 19.5% are under 18 and 17.4% are 65 or older. The largest group is non-Hispanic Black residents at 52.1%, then non-Hispanic white residents at 31.1%.
| Measure | Tract 16 | Panama City |
|---|---|---|
| Median age | 45.7 ±7.2 | 39.5 |
| Under 18 years | 19.5% ±5.2 pts | 21.7% |
| 65 years and over | 17.4% ±7.6 pts | 17.8% |
| Hispanic or Latino (any race) | 16.5% ±9.6 pts | 9.7% |
| White alone, not Hispanic | 31.1% ±10.9 pts | 61.8% |
| Black or African American alone, not Hispanic | 52.1% ±13.2 pts | 20.1% |
| Asian alone, not Hispanic | 0.0% ±2.3 pts | 1.7% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±2.3 pts | 0.2% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±2.3 pts | 0.1% |
| Two or more races, not Hispanic | 0.4% ±0.9 pts | 5.3% |
| Some other race alone, not Hispanic | 0.0% ±2.3 pts | 1.1% |
| Born outside the United States | 16.0% ±11.7 pts | 10.0% |
| Speak a language other than English at home (age 5+) | 18.6% ±10.5 pts | 11.8% |
| Civilian veterans (age 18+) | 4.7% ±4.3 pts | 10.2% |
| With a disability | 29.9% ±10.5 pts | 19.2% |
| No health insurance coverage | 18.2% ±8.0 pts | 17.8% |
| High school graduate or higher (age 25+) | 90.4% ±4.6 pts | 90.4% |
| Bachelor's degree or higher (age 25+) | 9.2% ±4.8 pts | 26.4% |
| Graduate or professional degree (age 25+) | 3.4% ±4.2 pts | 10.0% |
| Lived in the same house a year earlier | 69.5% ±11.2 pts | 78.2% |
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 16 earn?
Half of the 1,150 households in Census Tract 16 earn less than $28,359 a year (±$13,777), against $73,533 across Bay County: 47th highest of the county's 48 tracts with a reliable estimate. 37.4% of residents live below the poverty line.
| Measure | Tract 16 | Panama City |
|---|---|---|
| Median household income | $28,359 ±$13,777 | $62,265 |
| Mean household income | $47,501 ±$14,212 | $89,311 |
| Per capita income | $25,576 ±$6,321 | $38,881 |
| People below the poverty line | 37.4% ±15.2 pts | 17.6% |
| Children under 18 below the poverty line | 50.3% ±32.4 pts | 27.1% |
| Households receiving SNAP | 49.1% ±16.5 pts | 16.9% |
| Households with a computer | 97.4% ±3.0 pts | 95.2% |
| Households with a broadband subscription | 64.1% ±15.6 pts | 87.9% |
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 16?
Owners occupy 23.5% of Census Tract 16's occupied homes and renters 76.5%. The median owner-occupied home is valued at $217,600 by its owner (±$32,434). The median renter pays $910 a month including utilities, and 63.4% of renters pay 35% or more of their income on rent.
| Measure | Tract 16 | Panama City |
|---|---|---|
| Median home value (owner-occupied) | $217,600 ±$32,434 | $268,900 |
| Median gross rent | $910 ±$121 | $1,327 |
| Renters paying 35% or more of income on rent | 63.4% ±17.9 pts | 46.6% |
| Owner-occupied homes | 23.5% ±11.8 pts | 56.3% |
| Renter-occupied homes | 76.5% ±11.8 pts | 43.7% |
| Housing units | 1,561 ±306 | 17,104 |
| Single-family detached homes | 62.6% ±10.5 pts | 63.4% |
| Mobile homes | 1.4% ±2.4 pts | 1.9% |
| Built 2020 or later | 4.0% ±4.0 pts | 3.5% |
| Built 2010 to 2019 | 0.0% ±3.3 pts | 5.6% |
| Built 1939 or earlier | 4.5% ±4.0 pts | 6.1% |
| Households with no vehicle | 8.3% ±7.5 pts | 5.4% |
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 16 get to work?
81.4% of Census Tract 16's workers drive alone. The average trip to work takes 15.2 minutes. The unemployment rate in 2020-2024 averaged 14.8%.
| Measure | Tract 16 | Panama City |
|---|---|---|
| In the labor force (age 16+) | 47.5% ±10.6 pts | 63.2% |
| Unemployment rate | 14.8% ±7.5 pts | 4.5% |
| Drove alone to work | 81.4% ±11.4 pts | 72.6% |
| Carpooled | 9.4% ±8.5 pts | 13.6% |
| Public transportation | 0.0% ±6.6 pts | 0.2% |
| Walked | 0.0% ±6.6 pts | 1.2% |
| Worked from home | 7.7% ±9.0 pts | 10.9% |
| Mean travel time to work | 15.2 min ±2.5 | 21.4 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 16 compare with the other tracts in Bay County?
Among Bay County's tracts with a reliable estimate, Census Tract 16 ranks as shown below (1 = highest).
| Measure | In Bay County | In Panama City |
|---|---|---|
| Population | 36th of 49 | 10th of 12 |
| Residents per square mile | 30th of 49 | 9th of 12 |
| Median household income | 47th of 48 | 11th of 12 |
| Per capita income | 43rd of 49 | 8th of 12 |
| Median home value | 37th of 48 | 7th of 12 |
| Median gross rent | 43rd of 45 | 10th of 12 |
| Poverty rate | 1st of 34 | 1st of 11 |
| Bachelor's degree or higher | 45th of 47 | 11th of 12 |
| Median age | 19th of 49 | 3rd of 12 |
| Owner-occupied share | 47th of 48 | 11th of 12 |
The tracts next to it on Bay County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 24 | 44th | $49,775±$5,138 |
| Tract 22 | 45th | $46,885±$9,683 |
| Tract 11 | 46th | $45,653±$5,703 |
| Tract 16 | 47th | $28,359±$13,777 |
| Tract 20 | 48th | $28,269±$7,672 · 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 16?
2 of the 18 figures for Census Tract 16 on this page carry a coefficient of variation over 40% and are 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