| Locality | Post Code |
|---|---|
| Bayou George, Bay | 32466 |
| Callaway, Bay | 32404 |
| Fountain, Bay | 32438 |
| Grande Pointe, Bay | 32413 |
| Inlet Beach, Bay | 32413 |
| Lynn Haven, Bay | 32444 |
| Mexico Beach, Bay | 32410 |
| Panama, Bay | 32407, 32413 |
| Panama Beach, Bay | 32401, 32407, 32413 |
| Panama City, Bay | 32401, 32403, 32404, 32405, 32408, … |
| Panama City Beach, Bay | 32407, 32413 |
| Parker, Bay | 32404 |
| Seacrest, Bay | 32413 |
| Southport, Bay | 32409 |
| West Panama City Beach, Bay | 32413 |
| Youngstown, Bay | 32466 |