ZIP Code 32444 — Lynn Haven city, FL Demographics & Data

ZIP code 32444 covers Lynn Haven, FL in Bay County with a population of about 20,102.

At a glance, the area shows median age of 38.0 (near the U.S. median).

It sits in telephone area codes 448, 850; U.S. House district FL-2; the PANAMA CITY media market.

Median household income in ZIP 32444 is about $89,508 — about 19% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.8%; unemployment rate near 3.0%; 32.4% of adults with a bachelor’s degree or higher (about 1.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Public administration, and Healthcare; about 8.0% of workers reporting work-from-home (about 7.2 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $292,700 — about 16% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,266 (about 9% above the U.S. median rent ($1,163)), and owner-occupancy near 70.2% (about 4.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 32444 in Lynn Haven, FL, a household would need roughly $81,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,880. That is roughly in line with the local median household income ($89,508). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Lynn Haven city, FL as Relatively Moderate (composite score 94.1), which is among the highest nationally. The strongest component scores on US5 are hurricane (98.7) and wildfire (75.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Lynn Haven city, FL show little to no average snow and around 61.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 900 for ZIP 32444 (Lynn Haven city, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.