Census tract · Bay County
Census Tract 23, Bay County, Florida
Census Tract 23, GEOID 12005002300, in Bay County, Florida, entirely within Panama City. 3,868 residents in the ACS 2020-2024 5-year estimates (±413); the 2020 Census counted 3,802.
Residents, 2020-2024
3,868
±413 (90% margin)
2020 Census count: 3,802
Median household income
$81,643
±$12,547 (90% margin)
Bay County: $73,533
Median home value
$246,700
±$25,590 (90% margin)
Bay County: $310,500
Median gross rent
$1,395
±$100 (90% margin)
Bay County: $1,484
Where is Census Tract 23?
Census Tract 23 is one of 50 census tracts in Bay County, Florida. It covers 1.12 square miles of land, 3,386 residents per square mile in 2020. Its GEOID, 12005002300, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Panama City | 100% |
5 census tracts border Census Tract 23: Tract 15.02 ($82,238), Tract 22 ($46,885), Tract 24 ($49,775), Tract 25 ($99,704) and Tract 26.08 ($86,824). 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 23?
The 2020-2024 American Community Survey puts Census Tract 23's population at 3,868 (±413) in 1,852 households; the 2020 Census counted 3,802 residents and 2,027 housing units.
| Measure | Tract 23 | Panama City |
|---|---|---|
| Total population | 3,868 ±413 | 34,979 |
| Households | 1,852 ±252 | 15,169 |
| Average household size | 2.09 ±0.18 | 2.25 |
| Housing units | 2,030 ±261 | 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 23?
The median resident of Census Tract 23 is 41.9 years old; 14.4% are under 18 and 21.0% are 65 or older. The largest group is non-Hispanic white residents at 83.1%, then non-Hispanic Black residents at 8.8%. 6.1% of residents were born outside the United States.
| Measure | Tract 23 | Panama City |
|---|---|---|
| Median age | 41.9 ±5.4 | 39.5 |
| Under 18 years | 14.4% ±3.7 pts | 21.7% |
| 65 years and over | 21.0% ±5.7 pts | 17.8% |
| Hispanic or Latino (any race) | 4.7% ±3.8 pts | 9.7% |
| White alone, not Hispanic | 83.1% ±8.2 pts | 61.8% |
| Black or African American alone, not Hispanic | 8.8% ±6.8 pts | 20.1% |
| Asian alone, not Hispanic | 0.2% ±0.3 pts | 1.7% |
| American Indian and Alaska Native alone, not Hispanic | 0.4% ±0.4 pts | 0.2% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 1.0% ±1.5 pts | 0.1% |
| Two or more races, not Hispanic | 1.0% ±1.3 pts | 5.3% |
| Some other race alone, not Hispanic | 0.9% ±1.4 pts | 1.1% |
| Born outside the United States | 6.1% ±3.1 pts | 10.0% |
| Speak a language other than English at home (age 5+) | 5.5% ±3.7 pts | 11.8% |
| Civilian veterans (age 18+) | 15.0% ±3.5 pts | 10.2% |
| With a disability | 20.7% ±5.5 pts | 19.2% |
| No health insurance coverage | 19.6% ±7.8 pts | 17.8% |
| High school graduate or higher (age 25+) | 93.6% ±5.0 pts | 90.4% |
| Bachelor's degree or higher (age 25+) | 24.2% ±7.5 pts | 26.4% |
| Graduate or professional degree (age 25+) | 7.2% ±4.1 pts | 10.0% |
| Lived in the same house a year earlier | 81.2% ±6.7 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 23 earn?
Half of the 1,852 households in Census Tract 23 earn less than $81,643 a year (±$12,547), against $73,533 across Bay County: 15th highest of the county's 48 tracts with a reliable estimate. 10.3% of residents live below the poverty line.
| Measure | Tract 23 | Panama City |
|---|---|---|
| Median household income | $81,643 ±$12,547 | $62,265 |
| Mean household income | $114,372 ±$29,482 | $89,311 |
| Per capita income | $54,737 ±$13,223 | $38,881 |
| People below the poverty line | 10.3% ±4.7 pts | 17.6% |
| Children under 18 below the poverty line | 33.4% ±18.0 pts | 27.1% |
| Households receiving SNAP | 11.0% ±5.1 pts | 16.9% |
| Households with a computer | 97.5% ±2.2 pts | 95.2% |
| Households with a broadband subscription | 89.7% ±5.4 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 23?
Owners occupy 67.8% of Census Tract 23's occupied homes and renters 32.2%. The median owner-occupied home is valued at $246,700 by its owner (±$25,590). The median renter pays $1,395 a month including utilities, and 37.4% of renters pay 35% or more of their income on rent.
| Measure | Tract 23 | Panama City |
|---|---|---|
| Median home value (owner-occupied) | $246,700 ±$25,590 | $268,900 |
| Median gross rent | $1,395 ±$100 | $1,327 |
| Renters paying 35% or more of income on rent | 37.4% ±18.8 pts | 46.6% |
| Median monthly owner costs, with a mortgage | $1,476 ±$259 | $1,782 |
| Owner-occupied homes | 67.8% ±8.7 pts | 56.3% |
| Renter-occupied homes | 32.2% ±8.7 pts | 43.7% |
| Housing units | 2,030 ±261 | 17,104 |
| Single-family detached homes | 75.5% ±7.4 pts | 63.4% |
| Mobile homes | 0.0% ±2.5 pts | 1.9% |
| Built 2020 or later | 2.1% ±2.6 pts | 3.5% |
| Built 2010 to 2019 | 1.1% ±1.3 pts | 5.6% |
| Built 1939 or earlier | 12.4% ±7.4 pts | 6.1% |
| Households with no vehicle | 3.0% ±3.0 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 23 get to work?
71.0% of Census Tract 23's workers drive alone and 15.2% work from home. The average trip to work takes 20.7 minutes.
| Measure | Tract 23 | Panama City |
|---|---|---|
| In the labor force (age 16+) | 65.7% ±7.4 pts | 63.2% |
| Unemployment rate | 0.3% ±0.8 pts | 4.5% |
| Drove alone to work | 71.0% ±8.9 pts | 72.6% |
| Carpooled | 10.5% ±7.2 pts | 13.6% |
| Public transportation | 0.0% ±2.4 pts | 0.2% |
| Walked | 2.7% ±3.3 pts | 1.2% |
| Worked from home | 15.2% ±7.6 pts | 10.9% |
| Mean travel time to work | 20.7 min ±3.9 | 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 23 compare with the other tracts in Bay County?
Among Bay County's tracts with a reliable estimate, Census Tract 23 ranks as shown below (1 = highest).
| Measure | In Bay County | In Panama City |
|---|---|---|
| Population | 23rd of 49 | 8th of 12 |
| Residents per square mile | 3rd of 49 | 1st of 12 |
| Median household income | 15th of 48 | 4th of 12 |
| Per capita income | 10th of 49 | 2nd of 12 |
| Median home value | 32nd of 48 | 5th of 12 |
| Median gross rent | 28th of 45 | 6th of 12 |
| Poverty rate | 20th of 34 | 9th of 11 |
| Bachelor's degree or higher | 32nd of 47 | 5th of 12 |
| Median age | 25th of 49 | 6th of 12 |
| Owner-occupied share | 28th of 48 | 4th of 12 |
The tracts next to it on Bay County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| 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 |
| Tract 15.02 | 14th | $82,238±$14,441 · within the margin of this tract |
| Tract 23 | 15th | $81,643±$12,547 |
| Tract 8.06 | 16th | $81,462±$5,456 · within the margin of this tract |
| Tract 26.05 | 17th | $81,417±$21,972 · within the margin of this tract |
| Tract 4.02 | 18th | $80,890±$11,551 · 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 23?
3 of the 18 figures for Census Tract 23 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