Census tract · Bay County
Census Tract 27.09, Bay County, Florida
Census Tract 27.09, GEOID 12005002709, in Bay County, Florida, mostly within Panama City Beach (86% of its census blocks). 3,584 residents in the ACS 2020-2024 5-year estimates (±685); the 2020 Census counted 2,722.
Residents, 2020-2024
3,584
±685 (90% margin)
2020 Census count: 2,722
Median household income
$80,753
±$4,196 (90% margin)
Bay County: $73,533
Median home value
$389,600
±$60,668 (90% margin)
Bay County: $310,500
Median gross rent
$1,830
±$71 (90% margin)
Bay County: $1,484
Where is Census Tract 27.09?
Census Tract 27.09 is one of 50 census tracts in Bay County, Florida. It covers 2.27 square miles of land, 1,198 residents per square mile in 2020. Its GEOID, 12005002709, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Panama City Beach | 86% |
| Laguna Beach | 13% |
4 census tracts border Census Tract 27.09: Tract 2.04 ($86,292), Tract 27.03 ($83,214), Tract 27.06 ($77,645) and Tract 27.08 ($82,361). 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 27.09?
The 2020-2024 American Community Survey puts Census Tract 27.09's population at 3,584 (±685) in 1,745 households; the 2020 Census counted 2,722 residents and 4,199 housing units.
| Measure | Tract 27.09 | Panama City Beach |
|---|---|---|
| Total population | 3,584 ±685 | 18,971 |
| Households | 1,745 ±268 | 8,713 |
| Average household size | 2.05 ±0.22 | 2.17 |
| Housing units | 4,401 ±363 | 21,204 |
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 27.09?
The median resident of Census Tract 27.09 is 51.9 years old; 8.6% are under 18 and 18.5% are 65 or older. The largest group is non-Hispanic white residents at 83.0%, then Hispanic or Latino residents (of any race) at 12.5%. 14.6% of residents were born outside the United States.
| Measure | Tract 27.09 | Panama City Beach |
|---|---|---|
| Median age | 51.9 ±7.3 | 45.4 |
| Under 18 years | 8.6% ±3.9 pts | 17.3% |
| 65 years and over | 18.5% ±6.0 pts | 17.8% |
| Hispanic or Latino (any race) | 12.5% ±7.3 pts | 10.1% |
| White alone, not Hispanic | 83.0% ±7.7 pts | 77.1% |
| Black or African American alone, not Hispanic | 0.7% ±1.2 pts | 5.4% |
| Asian alone, not Hispanic | 1.6% ±1.6 pts | 1.8% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±1.5 pts | 0.4% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.5 pts | 0.0% |
| Two or more races, not Hispanic | 2.2% ±1.8 pts | 4.7% |
| Some other race alone, not Hispanic | 0.0% ±1.5 pts | 0.5% |
| Born outside the United States | 14.6% ±6.9 pts | 10.4% |
| Speak a language other than English at home (age 5+) | 13.0% ±7.4 pts | 10.3% |
| Civilian veterans (age 18+) | 3.6% ±2.0 pts | 11.5% |
| With a disability | 12.0% ±4.5 pts | 16.6% |
| No health insurance coverage | 18.5% ±6.6 pts | 14.4% |
| High school graduate or higher (age 25+) | 95.6% ±2.7 pts | 95.5% |
| Bachelor's degree or higher (age 25+) | 27.8% ±9.2 pts | 38.0% |
| Graduate or professional degree (age 25+) | 10.3% ±4.8 pts | 14.5% |
| Lived in the same house a year earlier | 82.5% ±6.7 pts | 78.7% |
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 27.09 earn?
Half of the 1,745 households in Census Tract 27.09 earn less than $80,753 a year (±$4,196), against $73,533 across Bay County: 19th highest of the county's 48 tracts with a reliable estimate. 17.4% of residents live below the poverty line.
| Measure | Tract 27.09 | Panama City Beach |
|---|---|---|
| Median household income | $80,753 ±$4,196 | $80,941 |
| Mean household income | $102,665 ±$20,198 | $112,821 |
| Per capita income | $49,288 ±$9,773 | $52,188 |
| People below the poverty line | 17.4% ±7.3 pts | 10.0% |
| Children under 18 below the poverty line | 6.5% ±9.5 pts | 12.8% |
| Households receiving SNAP | 0.0% ±3.0 pts | 4.5% |
| Households with a computer | 99.4% ±0.9 pts | 98.3% |
| Households with a broadband subscription | 94.7% ±3.1 pts | 94.5% |
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 27.09?
Owners occupy 57.4% of Census Tract 27.09's occupied homes and renters 42.6%. The median owner-occupied home is valued at $389,600 by its owner (±$60,668). The median renter pays $1,830 a month including utilities, and 38.4% of renters pay 35% or more of their income on rent.
| Measure | Tract 27.09 | Panama City Beach |
|---|---|---|
| Median home value (owner-occupied) | $389,600 ±$60,668 | $441,300 |
| Median gross rent | $1,830 ±$71 | $1,791 |
| Renters paying 35% or more of income on rent | 38.4% ±12.1 pts | 46.8% |
| Median monthly owner costs, with a mortgage | $1,819 ±$465 | $2,186 |
| Owner-occupied homes | 57.4% ±9.5 pts | 59.2% |
| Renter-occupied homes | 42.6% ±9.5 pts | 40.8% |
| Housing units | 4,401 ±363 | 21,204 |
| Single-family detached homes | 27.1% ±6.3 pts | 25.0% |
| Mobile homes | 2.9% ±2.8 pts | 1.4% |
| Built 2020 or later | 0.4% ±0.5 pts | 2.9% |
| Built 2010 to 2019 | 14.7% ±4.4 pts | 12.7% |
| Built 1939 or earlier | 0.0% ±1.2 pts | 0.1% |
| Households with no vehicle | 1.5% ±1.6 pts | 4.5% |
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 27.09 get to work?
82.2% of Census Tract 27.09's workers drive alone. The average trip to work takes 19.0 minutes.
| Measure | Tract 27.09 | Panama City Beach |
|---|---|---|
| In the labor force (age 16+) | 75.2% ±7.2 pts | 67.4% |
| Unemployment rate | 5.9% ±5.4 pts | 5.0% |
| Drove alone to work | 82.2% ±11.1 pts | 73.0% |
| Carpooled | 7.6% ±6.5 pts | 8.2% |
| Public transportation | 0.0% ±2.2 pts | 0.1% |
| Walked | 1.2% ±1.5 pts | 3.0% |
| Worked from home | 7.4% ±6.6 pts | 13.2% |
| Mean travel time to work | 19.0 min ±6.0 | 20.7 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 27.09 compare with the other tracts in Bay County?
Among Bay County's tracts with a reliable estimate, Census Tract 27.09 ranks as shown below (1 = highest).
| Measure | In Bay County | In Panama City Beach |
|---|---|---|
| Population | 26th of 49 | 4th of 7 |
| Residents per square mile | 31st of 49 | 4th of 7 |
| Median household income | 19th of 48 | 4th of 7 |
| Per capita income | 16th of 49 | 5th of 7 |
| Median home value | 13th of 48 | 6th of 7 |
| Median gross rent | 9th of 45 | 3rd of 7 |
| Poverty rate | 11th of 34 | 1st of 3 |
| Bachelor's degree or higher | 27th of 47 | 7th of 7 |
| Median age | 10th of 49 | 3rd of 7 |
| Owner-occupied share | 35th of 48 | 5th of 7 |
The tracts next to it on Bay County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| 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 |
| Tract 27.09 | 19th | $80,753±$4,196 |
| Tract 14.03 | 20th | $79,922±$17,129 · within the margin of this tract |
| Tract 19 | 21st | $79,181±$5,631 · within the margin of this tract |
| Tract 13.02 | 22nd | $79,173±$6,365 · 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 27.09?
3 of the 18 figures for Census Tract 27.09 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