Census tract · Bay County
Census Tract 17, Bay County, Florida
Census Tract 17, GEOID 12005001700, in Bay County, Florida, mostly within Panama City (96% of its census blocks). 2,630 residents in the ACS 2020-2024 5-year estimates (±412); the 2020 Census counted 2,790.
Residents, 2020-2024
2,630
±412 (90% margin)
2020 Census count: 2,790
Median household income
$50,089
±$5,529 (90% margin)
Bay County: $73,533
Median home value
$165,000
±$40,836 (90% margin)
Bay County: $310,500
Median gross rent
$1,140
±$113 (90% margin)
Bay County: $1,484
Where is Census Tract 17?
Census Tract 17 is one of 50 census tracts in Bay County, Florida. It covers 1.17 square miles of land, 2,387 residents per square mile in 2020. Its GEOID, 12005001700, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Panama City | 96% |
| Cedar Grove | 4% |
5 census tracts border Census Tract 17: Tract 10 ($54,120), Tract 11 ($45,653), Tract 12 ($70,000), Tract 16 ($28,359) and Tract 18 ($60,826). 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 17?
The 2020-2024 American Community Survey puts Census Tract 17's population at 2,630 (±412) in 1,093 households; the 2020 Census counted 2,790 residents and 1,255 housing units.
| Measure | Tract 17 | Panama City |
|---|---|---|
| Total population | 2,630 ±412 | 34,979 |
| Households | 1,093 ±211 | 15,169 |
| Average household size | 2.40 ±0.38 | 2.25 |
| Housing units | 1,340 ±222 | 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 17?
The median resident of Census Tract 17 is 43.6 years old; 24.3% are under 18 and 24.4% are 65 or older. The largest group is non-Hispanic Black residents at 52.5%, then non-Hispanic white residents at 33.8%.
| Measure | Tract 17 | Panama City |
|---|---|---|
| Median age | 43.6 ±12.6 | 39.5 |
| Under 18 years | 24.3% ±5.0 pts | 21.7% |
| 65 years and over | 24.4% ±6.5 pts | 17.8% |
| Hispanic or Latino (any race) | 4.9% ±4.4 pts | 9.7% |
| White alone, not Hispanic | 33.8% ±10.2 pts | 61.8% |
| Black or African American alone, not Hispanic | 52.5% ±8.5 pts | 20.1% |
| Asian alone, not Hispanic | 6.5% ±6.6 pts | 1.7% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±2.0 pts | 0.2% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±2.0 pts | 0.1% |
| Two or more races, not Hispanic | 2.3% ±2.9 pts | 5.3% |
| Some other race alone, not Hispanic | 0.0% ±2.0 pts | 1.1% |
| Born outside the United States | 9.4% ±6.4 pts | 10.0% |
| Speak a language other than English at home (age 5+) | 9.6% ±6.8 pts | 11.8% |
| Civilian veterans (age 18+) | 11.7% ±6.2 pts | 10.2% |
| With a disability | 22.6% ±6.5 pts | 19.2% |
| No health insurance coverage | 20.0% ±7.2 pts | 17.8% |
| High school graduate or higher (age 25+) | 81.5% ±8.4 pts | 90.4% |
| Bachelor's degree or higher (age 25+) | 14.7% ±5.7 pts | 26.4% |
| Graduate or professional degree (age 25+) | 2.9% ±2.3 pts | 10.0% |
| Lived in the same house a year earlier | 83.4% ±9.7 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 17 earn?
Half of the 1,093 households in Census Tract 17 earn less than $50,089 a year (±$5,529), against $73,533 across Bay County: 43rd highest of the county's 48 tracts with a reliable estimate. 15.3% of residents live below the poverty line.
| Measure | Tract 17 | Panama City |
|---|---|---|
| Median household income | $50,089 ±$5,529 | $62,265 |
| Mean household income | $57,198 ±$9,170 | $89,311 |
| Per capita income | $24,679 ±$3,305 | $38,881 |
| People below the poverty line | 15.3% ±7.8 pts | 17.6% |
| Children under 18 below the poverty line | 9.7% ±9.9 pts | 27.1% |
| Households receiving SNAP | 28.8% ±10.1 pts | 16.9% |
| Households with a computer | 84.4% ±10.9 pts | 95.2% |
| Households with a broadband subscription | 86.7% ±10.7 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 17?
Owners occupy 59.7% of Census Tract 17's occupied homes and renters 40.3%. The median owner-occupied home is valued at $165,000 by its owner (±$40,836). The median renter pays $1,140 a month including utilities, and 69.3% of renters pay 35% or more of their income on rent.
| Measure | Tract 17 | Panama City |
|---|---|---|
| Median home value (owner-occupied) | $165,000 ±$40,836 | $268,900 |
| Median gross rent | $1,140 ±$113 | $1,327 |
| Renters paying 35% or more of income on rent | 69.3% ±20.5 pts | 46.6% |
| Median monthly owner costs, with a mortgage | $1,511 ±$353 | $1,782 |
| Owner-occupied homes | 59.7% ±10.1 pts | 56.3% |
| Renter-occupied homes | 40.3% ±10.1 pts | 43.7% |
| Housing units | 1,340 ±222 | 17,104 |
| Single-family detached homes | 67.6% ±8.3 pts | 63.4% |
| Mobile homes | 4.6% ±3.8 pts | 1.9% |
| Built 2020 or later | 0.0% ±3.8 pts | 3.5% |
| Built 2010 to 2019 | 6.1% ±4.2 pts | 5.6% |
| Built 1939 or earlier | 8.8% ±5.8 pts | 6.1% |
| Households with no vehicle | 2.0% ±2.6 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 17 get to work?
65.7% of Census Tract 17's workers drive alone. The average trip to work takes 19.5 minutes.
| Measure | Tract 17 | Panama City |
|---|---|---|
| In the labor force (age 16+) | 60.4% ±9.4 pts | 63.2% |
| Unemployment rate | 3.6% ±4.5 pts | 4.5% |
| Drove alone to work | 65.7% ±12.0 pts | 72.6% |
| Carpooled | 25.3% ±10.8 pts | 13.6% |
| Public transportation | 0.8% ±1.4 pts | 0.2% |
| Walked | 0.0% ±4.3 pts | 1.2% |
| Worked from home | 8.2% ±9.1 pts | 10.9% |
| Mean travel time to work | 19.5 min ±2.9 | 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 17 compare with the other tracts in Bay County?
Among Bay County's tracts with a reliable estimate, Census Tract 17 ranks as shown below (1 = highest).
| Measure | In Bay County | In Panama City |
|---|---|---|
| Population | 32nd of 49 | 9th of 12 |
| Residents per square mile | 11th of 49 | 5th of 12 |
| Median household income | 43rd of 48 | 8th of 12 |
| Per capita income | 46th of 49 | 10th of 12 |
| Median home value | 45th of 48 | 11th of 12 |
| Median gross rent | 42nd of 45 | 9th of 12 |
| Poverty rate | 12th of 34 | 6th of 11 |
| Bachelor's degree or higher | 40th of 47 | 7th of 12 |
| Median age | 22nd of 49 | 5th of 12 |
| Owner-occupied share | 33rd of 48 | 8th of 12 |
The tracts next to it on Bay County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 26.07 | 40th | $55,455±$19,603 · within the margin of this tract |
| Tract 10 | 41st | $54,120±$25,289 · within the margin of this tract |
| Tract 3.01 | 42nd | $51,824±$19,778 · within the margin of this tract |
| Tract 17 | 43rd | $50,089±$5,529 |
| Tract 24 | 44th | $49,775±$5,138 · within the margin of this tract |
| Tract 22 | 45th | $46,885±$9,683 · within the margin of this tract |
| Tract 11 | 46th | $45,653±$5,703 · 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 17?
3 of the 18 figures for Census Tract 17 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