2023 Bay County, Florida Demographics | Data & Analysis

Ready-to-use reports, analytics, and visualizations covering Bay County, Florida, including population, race, income, and more. Based on 2023 American Community Survey Estimates.

Bay County, Florida Key Demographic Statistics (2023 Estimates)

Key demographic statistics summarized from the U.S. Census Bureau's 2023 American Community Survey (ACS).

Total Population
181,368
Median Age
41.4 years
Median Household Income
$70,188
Bachelor's Degree+
28.04%
Uninsured Rate
13.8%
Total Households
76,118
Total Workers
86,953
Citizenship Rate
96.0%
Total Veterans
19,329
Top Veteran Era
Vietnam Era Only
Poverty Rate
8.3%
Families in Poverty
4,074
SNAP Recipients
12.64%
Households w/ SNAP
9,623

Source: U.S. Census Bureau, 2023 American Community Survey (ACS) Estimates

Bay County, Florida 2023 Demographics: Age & Gender Distribution

Bar chart showing the population distribution of Bay County, Florida by age group and gender, based on 2023 ACS data.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the total population of Bay County, Florida is 181,368. The median age of the population in Bay County, Florida is 41.4 years. The median age for males is 40.1 years, and for females it is 42.4 years.

The age distribution of the population in Bay County, Florida by age group is as follows:

Population Percentage by Age Group in Bay County, Florida, 2023
Age Group Percentage
Under 5 years 5.58%
5–17 years (children) 15.46%
18–24 years (young adults) 7.41%
25–34 years 13.28%
35–54 years 25.26%
55–64 years 14.79%
65 years and over (seniors) 18.23%

Understanding the Demographic Dependency Ratio in Bay County, Florida

The total dependency ratio in Bay County, Florida is 64.65. The youth dependency ratio is 34.63, and the old-age dependency ratio is 30.02. In demographic terms, the dependency ratio measures the size of the population typically not in the labor force (children under 18 and older adults 65+) relative to the working age (18-64) population. A higher ratio indicates a greater financial and social burden on the working population to support the non-working age groups.

For more detailed reports, explore the demographics for each of the most populated ZIP Codes in Bay County, Florida, including Panama City (32404) (42,117), Panama City (32405) (29,336), and Lynn Haven (32444) (20,102).


What is the Racial and Ethnic Breakdown of Bay County, Florida?

Race and Ethnicity Distribution Chart for Bay County, Florida
Source: U.S. Census Bureau, 2023 ACS Estimates

The racial makeup and ethnic composition (racial demographics) of Bay County, Florida is detailed below, based on the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates.

The Diversity Index for Bay County, Florida is calculated at 43.71, suggesting a moderate level of racial and ethnic diversity. This index measures the probability that two people chosen at random will be from different racial or ethnic groups.

The following table provides the breakdown of the population of Bay County, Florida by race and ethnicity:

Population Percentage by Racial and Ethnic Group in Bay County, Florida, 2023
Racial/Ethnic Group Percentage
White Alone (Non-Hispanic) 73.70%
Black/African American Alone 9.84%
Hispanic or Latino (Any Race) 8.39%
Two or More Races 5.16%
Asian Alone 1.92%
Some Other Race Alone 0.66%
American Indian and Alaska Native Alone 0.23%
Native Hawaiian or Other Pacific Islander Alone 0.10%

Bay County, Florida 2023 Demographics: Household Income Distribution

Horizontal bar chart showing household income distribution in Bay County, Florida.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the median household income in Bay County, Florida over the past 12 months, adjusted for 2023 inflation, was $70,188. This figure is based on a total of 76,118 households.

The distribution of household income in Bay County, Florida across various income brackets is as follows:

Household Income Distribution in Bay County, Florida, 2023
Income Range Percentage of Households
Less than $20,000 10.24%
$20,000 to $34,999 10.44%
$35,000 to $49,999 12.56%
$50,000 to $74,999 20.74%
$75,000 to $149,999 30.97%
$150,000 or more 15.04%

For detailed household income distribution reports on the ZIP Codes with the highest median household income in Bay County, Florida, explore the data for: Lynn Haven (32444) ($89,508), Panama City Beach (32407) ($79,052), and Panama City Beach (32413) ($76,010).


Bay County, Florida 2023 Demographics: Property Value Distribution

Line chart showing the distribution of property values for owner-occupied housing units in Bay County, Florida.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the distribution of property values for owner-occupied housing units in Bay County, Florida is based on a total of 51,976 properties.

The property value distribution in Bay County, Florida across various value brackets is as follows:

Property Value Distribution in Bay County, Florida, 2023
Property Value Range Percentage of Properties
Less than $25,000 3.17%
$25,000 to $49,999 2.64%
$50,000 to $99,999 6.80%
$100,000 to $199,999 19.47%
$200,000 to $499,999 54.19%
$500,000 to $999,999 12.84%
$1,000,000 or more 0.89%

Educational Attainment in Bay County, Florida (2023 Data)

Treemap chart illustrating the educational attainment breakdown for population 25 years and over in Bay County, Florida.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the educational attainment data covers the population 25 years and older in Bay County, Florida, totaling 129,787 individuals.

90.77% of Bay County, Florida population has a high school diploma or higher. Furthermore, the percentage of individuals who hold a Bachelor's Degree or a higher professional/graduate degree is 28.04%.

The detailed breakdown by educational level is presented below:

Educational Attainment Distribution in Bay County, Florida, 2023
Educational Attainment Level Percentage of Population 25+
Less than high school graduate 9.23%
High school graduate (incl. equivalency) 27.85%
Some college or associate's degree 34.87%
Bachelor's Degree 17.84%
Graduate or professional degree 10.21%

What is the Health Insurance Coverage Rate in Bay County, Florida?

Pyramid chart showing health insurance coverage by age and sex in Bay County, Florida.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the health insurance coverage data for Bay County, Florida shows that 13.8% of the population lacks health insurance coverage. This represents 24,454 individuals out of a total population of 176,660 people.

The uninsured rates vary significantly by age group. Young adults (18-34 years) have uninsured rates of 27.1% for males and 20.8% for females. In the 35-64 age bracket, 18.4% of males and 16.4% of females are uninsured.

Children under 18 and seniors aged 65+ generally have higher coverage rates due to public programs like Medicaid/CHIP and Medicare. In Bay County, Florida, uninsured rates for children are 11.2% for males and 8.7% for females, while seniors have rates of 0.3% for males and 0.1% for females.

Uninsured Rates by Age Group and Sex in Bay County, Florida, 2023
Age Group Male Uninsured % Female Uninsured %
Under 18 11.2% 8.7%
18-34 years 27.1% 20.8%
35-64 years 18.4% 16.4%
65+ years 0.3% 0.1%

Bay County, Florida 2023 Population by Nativity and Citizenship Status

Treemap showing the population distribution by nativity and citizenship status in Bay County, Florida based on U.S. Census data.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the nativity and citizenship data for Bay County, Florida shows that 96.0% of the population are U.S. citizens. This includes both native-born and naturalized citizens, representing 174,066 individuals out of a total population of 181,368 people.

The nativity breakdown reveals diverse origins: 88.8% were born in the United States, 1.1% were born in Puerto Rico or U.S. Island Areas, and 2.0% were born abroad of American parent(s).

Among the foreign-born population, 4.0% of the total population have become naturalized U.S. citizens (7,256 individuals), while 4.0% are non-citizens (7,302 individuals).

Nativity and Citizenship Distribution in Bay County, Florida, 2023
Nativity/Citizenship Status Percentage
Born in the United States 88.8%
Born in Puerto Rico or U.S. Island Areas 1.1%
Born abroad of American parent(s) 2.0%
U.S. citizen by naturalization 4.0%
Not a U.S. citizen 4.0%
Total U.S. Citizens 96.0%

Bay County, Florida 2023 Demographics: Means of Transportation to Work

Treemap showing means of transportation to work distribution in Bay County, Florida.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the commuting patterns for Bay County, Florida show that 87.9% of workers commute by car, truck, or van. This represents 77,262 workers out of a total workforce of 87,881 people.

Public transportation usage stands at 0.6% (493 workers), which includes buses, subways, light rail, commuter trains, and ferries, but excludes taxicabs. Active transportation methods include walking (1.1%) and bicycling (0.4%).

8.8% of workers in Bay County, Florida report working from home. An additional 1.2% use other means such as taxicabs, motorcycles, or other forms of transportation. These alternative commuting patterns reflect changing work arrangements and transportation preferences in the modern workforce.

Commuting Methods Distribution in Bay County, Florida, 2023
Transportation Method Percentage Number of Workers
Car, truck, or van 87.9% 77,262
Public transportation 0.6% 493
Bicycle 0.4% 321
Walked 1.1% 1,009
Taxicab, motorcycle, or other means 1.2% 1,030
Worked from home 8.8% 7,766
Total Workers - 87,881

Bay County, Florida 2023 Demographics: Employment by Class of Worker

Horizontal bar chart showing employment distribution by class of worker and gender in Bay County, Florida, based on 2023 ACS data.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, the civilian employed population aged 16 and over in Bay County, Florida totals 86,953 workers. Of these, 45,765 (52.6%) are male and 41,188 (47.4%) are female.

The employment distribution by class of worker in Bay County, Florida is as follows:

Employment Distribution by Class of Worker and Sex in Bay County, Florida, 2023
Employment Class Male Workers Female Workers
Private For-Profit 32,102 (36.9%) 27,411 (31.5%)
Private Non-Profit 1,642 (1.9%) 3,080 (3.5%)
Government (All Levels) 7,954 (9.1%) 7,600 (8.7%)
  • Local Government 2,801 4,102
  • State Government 1,488 1,541
  • Federal Government 3,665 1,957
Self-Employed 3,979 (4.6%) 2,984 (3.4%)

Class of worker categorizes employed civilians by their employment arrangement. Private sector workers are employed by for-profit or non-profit companies. Government workers include those employed at local, state, or federal levels. Self-employed workers operate their own unincorporated businesses. Understanding the class of worker distribution provides insights into the economic structure and employment diversity of Bay County, Florida.


Bay County, Florida 2023 Demographics: Veterans by Period of Service

Horizontal bar chart showing veteran distribution by period of military service in Bay County, Florida, based on 2023 ACS data.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, there are 19,329 civilian veterans aged 18 and over in Bay County, Florida.

The largest group of veterans served during Vietnam Era Only, accounting for 4,574 veterans (23.7% of all veterans). The second-largest group served during Gulf War Only, with 3,706 veterans (19.2%).

The complete distribution of veterans by period of military service in Bay County, Florida is as follows:

Veteran Distribution by Period of Military Service in Bay County, Florida, 2023
Period of Service Number of Veterans Percentage
Vietnam Era Only (August 1964 to April 1975) 4,574 23.7%
Gulf War Only (August 1990 to August 2001) 3,706 19.2%
Post-9/11 and Gulf War (August 1990 to August 2001) 3,605 18.7%
Post-9/11 Only (September 2001 or later) 2,648 13.7%
Between Gulf War and Vietnam Era 2,517 13.0%
Korean War Only (July 1950 to January 1955) 703 3.6%
Between Vietnam Era and Korean War 694 3.6%
Gulf War and Vietnam Era 593 3.1%
World War II Only (December 1941 to December 1946) 111 0.6%
Vietnam Era and Korean War 78 0.4%
Post-9/11, Gulf War, and Vietnam Era 49 0.3%
Korean War and World War II 27 0.1%
Vietnam Era, Korean War, and World War II 12 0.1%
Between Korean War and World War II 12 0.1%
Total Veterans 19,329 100.0%

Period of military service categorizes veterans based on when they served on active duty in the U.S. Armed Forces. Veterans may have served during multiple periods, including World War II (December 1941–December 1946), the Korean War (July 1950–January 1955), the Vietnam Era (August 1964–April 1975), the Gulf War (August 1990–August 2001), and Post-9/11 (September 2001 or later). Understanding veteran demographics helps communities provide appropriate services, benefits, and support to those who have served.


Bay County, Florida 2023 Demographics: Families by Income-to-Poverty Ratio

Horizontal bar chart showing family distribution by income-to-poverty ratio in Bay County, Florida, based on 2023 ACS data.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, there are 49,347 families in Bay County, Florida.

Of these families, 4,074 (8.3%) live below the poverty line (income less than 100% of the federal poverty level). An additional 16,461 families (33.4%) are at or near poverty (100-199% of poverty). Meanwhile, 28,812 families (58.4%) have incomes at least twice the poverty level.

The complete distribution of families by income-to-poverty ratio in Bay County, Florida is as follows:

Family Distribution by Income-to-Poverty Ratio in Bay County, Florida, 2023
Income-to-Poverty Ratio Number of Families Percentage
Below 50% of Poverty 1,704 3.5%
50-74% of Poverty 1,192 2.4%
75-99% of Poverty 1,178 2.4%
100-124% of Poverty 1,485 3.0%
125-149% of Poverty 2,276 4.6%
150-174% of Poverty 2,298 4.7%
175-184% of Poverty 598 1.2%
185-199% of Poverty 1,077 2.2%
200-299% of Poverty 8,727 17.7%
300-399% of Poverty 8,116 16.4%
400-499% of Poverty 5,911 12.0%
500%+ of Poverty 14,785 30.0%
Total Families 49,347 100.0%

Income-to-poverty ratio measures how a family's income compares to the federal poverty threshold, which varies by family size and composition. A ratio below 1.00 (100%) indicates the family lives in poverty. Ratios between 1.00 and 1.99 represent families with low incomes who may still struggle financially despite being technically above the poverty line. Families with ratios of 2.00 (200%) or higher generally have more economic security. Understanding poverty distribution helps communities allocate resources and develop programs to support families in need.


Bay County, Florida 2023 Demographics: SNAP/Food Stamps Recipients

Stacked bar chart showing SNAP/Food Stamps recipient household composition by presence of children under 18 in Bay County, Florida, based on 2023 ACS data.
Source: U.S. Census Bureau, 2023 ACS Estimates

According to the U.S. Census Bureau's 2023 American Community Survey (ACS) Estimates, there are 76,118 total households in Bay County, Florida. Of these, 9,623 households (12.64%) received SNAP/Food Stamps benefits in the past 12 months.

Among SNAP-recipient households, 4,999 (51.95%) have children under 18 years, while 4,624 (48.05%) do not have children under 18 years.

Household Composition of SNAP Recipients

SNAP Recipient Household Composition in Bay County, Florida, 2023
Household Type With Children Under 18 No Children Under 18
Married-Couple Family 2,006 (20.85%) 757 (7.87%)
Male Householder, No Spouse 451 (4.69%) 457 (4.75%)
Female Householder, No Spouse 2,437 (25.32%) 653 (6.79%)
Nonfamily Households 105 (1.09%) 2,757 (28.65%)

The Supplemental Nutrition Assistance Program (SNAP), formerly known as Food Stamps, provides nutrition assistance to low-income individuals and families. The program aims to help eligible households purchase nutritious food. SNAP participation rates and household composition patterns provide important insights into economic hardship and food security challenges in Bay County, Florida. Households with children under 18 often face greater nutritional needs, while households without children may include seniors, disabled individuals, or working adults facing economic challenges.


Frequently Asked Questions (FAQs)

The age breakdown for the population of Bay County, Florida is detailed below, showing the percentage of the total population for each group:

Age Group Percentage
Under 5 years5.58%
5–17 years (children)15.46%
18–24 years (young adults)7.41%
25–34 years13.28%
35–54 years25.26%
55–64 years14.79%
65 years and over (seniors)18.23%

The racial and ethnic composition of Bay County, Florida is dominated by: White Alone (Non-Hispanic): 73.70%, Black/African American Alone: 9.84%, Hispanic or Latino (Any Race): 8.39%. The complete breakdown includes 8 distinct racial and ethnic categories.

The median household income in Bay County, Florida is $70,188. This represents the midpoint of all household incomes in the area, meaning half of households earn more than this amount and half earn less.

The household income distribution in Bay County, Florida is: Very Low Income (under $20,000): 10.24%, Low Income ($20,000-$34,999): 10.44%, Lower Middle Income ($35,000-$49,999): 12.56%, Middle Income ($50,000-$74,999): 20.74%, Upper Middle Income ($75,000-$149,999): 30.97%, High Income ($150,000+): 15.04%.

Approximately 31.64% of households in Bay County, Florida earn over $100,000 annually. This includes households earning between $100,000 and $124,999, $125,000 and $149,999, $150,000 and $199,999, and $200,000 or more.

The property value distribution for owner-occupied housing units in Bay County, Florida is: Less than $25,000: 3.17%, $25,000-$49,999: 2.64%, $50,000-$99,999: 6.80%, $100,000-$199,999: 19.47%, $200,000-$499,999: 54.19%, $500,000-$999,999: 12.84%, $1,000,000 or more: 0.89%.

There are 51,976 owner-occupied housing units in Bay County, Florida. This represents homes that are owned by the people living in them, as opposed to rental properties or vacant units.

Approximately 13.73% of owner-occupied housing units in Bay County, Florida are valued over $500,000. This includes properties valued between $500,000 and $749,999, $750,000 and $999,999, $1,000,000 and $1,499,999, $1,500,000 and $1,999,999, and $2,000,000 or more.

In Bay County, Florida, 28.04% of the population aged 25 and older holds a bachelor's degree or higher. This includes those with bachelor's degrees as well as those with graduate or professional degrees.

The educational attainment breakdown for Bay County, Florida (population 25+) is: Less than high school graduate: 9.23%, High school graduate (including equivalency): 27.85%, Some college or associate's degree: 34.87%, Bachelor's degree: 17.84%, Graduate or professional degree: 10.21%.

In Bay County, Florida, 90.77% of the population aged 25 and older has completed at least a high school education. This includes high school graduates, those with some college, associate's degrees, bachelor's degrees, and graduate degrees.

In Bay County, Florida, 13.8% of the population lacks health insurance coverage. This represents 24,454 individuals out of a total population of 176,660 people.

The uninsured rates vary by age group in Bay County, Florida. For young adults (18-34 years), 27.1% of males and 20.8% of females lack coverage. In the 35-64 age group, 18.4% of males and 16.4% of females are uninsured. These working-age populations typically face different coverage challenges than children or seniors.

Children under 18 in Bay County, Florida have uninsured rates of 11.2% for males and 8.7% for females. Seniors aged 65 and older, who are typically covered by Medicare, have uninsured rates of 0.3% for males and 0.1% for females. These age groups generally have higher coverage rates due to public programs.

In Bay County, Florida, 96.0% of the population are U.S. citizens. This includes native-born citizens and naturalized citizens. Out of a total population of 181,368 people, 174,066 are U.S. citizens.

Bay County, Florida has 7,256 naturalized U.S. citizens, representing 4.0% of the total population. These are foreign-born individuals who have gone through the naturalization process to become U.S. citizens.

The nativity and citizenship breakdown for Bay County, Florida is: 88.8% were born in the United States, 1.1% were born in Puerto Rico or U.S. Island Areas, 2.0% were born abroad of American parent(s), 4.0% are foreign-born naturalized U.S. citizens, and 4.0% are foreign-born non-citizens.

In Bay County, Florida, 87.9% of workers commute by car, truck, or van, making it the most common means of transportation to work. Out of 87,881 total workers, 77,262 use personal vehicles for their commute.

493 workers in Bay County, Florida use public transportation (excluding taxicabs) to commute to work, representing 0.6% of all workers. This includes buses, subways, light rail, commuter trains, and ferries.

Alternative commute methods in Bay County, Florida include: 8.8% work from home, 1.1% walk to work, 0.4% bicycle, and 1.2% use other means such as taxicabs or motorcycles. These alternatives to driving alone help reduce traffic congestion and environmental impact.

"Class of worker" refers to the type of employer or work arrangement for employed civilians aged 16 and over in Bay County, Florida. It categorizes workers into private sector (for-profit and non-profit), government (local, state, and federal), self-employed, and unpaid family workers. This classification helps understand the employment structure and economic composition of the workforce.

According to the American Community Survey, Bay County, Florida has 86,953 employed civilians aged 16 and over. The private for-profit sector employs the largest share of workers, with 36.9% of male workers and 31.5% of female workers in this category.

In Bay County, Florida, there are 7,954 male government workers and 7,600 female government workers. Government employment includes local, state, and federal positions. This represents 9.1% of male workers and 8.7% of female workers.

Self-employment in Bay County, Florida includes 3,979 males (4.6%) and 2,984 females (3.4%). Self-employed workers operate their own businesses that are not legally incorporated.

In Bay County, Florida, 9,623 households (12.64% of all households) received SNAP/Food Stamps benefits in the past 12 months. Out of 76,118 total households, these families rely on this federal nutrition assistance program to help purchase food.

Of the SNAP-receiving households in Bay County, Florida, 4,999 (51.95%) have children under 18 years. These families face additional nutritional needs and food security challenges as they work to provide adequate nutrition for growing children.

SNAP recipients in Bay County, Florida include diverse household types. Among households with children, 2,437 (25.32%) are headed by a female householder with no spouse present, while 2,006 (20.85%) are married-couple families. The program also serves households without children, including seniors, disabled individuals, and working adults facing economic challenges.

The Supplemental Nutrition Assistance Program (SNAP), formerly known as Food Stamps, is a federal program that provides nutrition assistance to low-income individuals and families. Eligibility is based on household income, resources, and size. In Bay County, Florida, SNAP helps eligible households purchase nutritious food at authorized retailers. The program aims to alleviate hunger and improve nutrition and health outcomes for vulnerable populations.

According to the U.S. Census Bureau's American Community Survey, there are 19,329 civilian veterans aged 18 and over living in Bay County, Florida. These individuals have served on active duty in the U.S. Army, Air Force, Navy, Marine Corps, or Coast Guard. This number does not include those with only National Guard or Reserves training without active duty service.

The most common period of military service for veterans in Bay County, Florida is Vietnam Era Only, with 4,574 veterans (23.7% of all veterans) who served during this period. The second most common period is Gulf War Only, with 3,706 veterans (19.2%).

"Period of service" categorizes veterans based on when they served on active duty in the U.S. Armed Forces. Major periods include World War II (December 1941-December 1946), the Korean War (July 1950-January 1955), the Vietnam Era (August 1964-April 1975), the Gulf War (August 1990-August 2001), and Post-9/11 (September 2001 or later). Veterans may have served during multiple periods. Understanding the distribution of service periods helps communities in Bay County, Florida provide appropriate services and support to their veteran population.

Veterans who served during the Gulf War era (1990-2001) and Post-9/11 era (2001-present) represent approximately 67.9% of all veterans in Bay County, Florida. These more recent-era veterans, totaling around 13,118 individuals, often have different service experiences and support needs compared to veterans of earlier conflicts. They may benefit from targeted programs addressing issues such as transition to civilian life, employment assistance, and access to VA healthcare services.

In Bay County, Florida, 4,074 families (8.3% of all families) live below the federal poverty line. This means their household income is less than 100% of the poverty threshold established by the U.S. Census Bureau, which varies by family size and composition. Out of 49,347 total families, these households face significant economic challenges meeting basic needs.

"Income-to-poverty ratio" measures how a family's income compares to the federal poverty threshold. A ratio of 1.00 (100%) means the family's income equals the poverty line. Below 1.00 indicates poverty, while ratios above 1.00 show income levels relative to poverty. For example, a ratio of 2.00 (200%) means the family earns twice the poverty threshold. In Bay County, Florida, this data helps identify not just families in poverty, but also those who are economically vulnerable despite being above the official poverty line.

Beyond families living in poverty, Bay County, Florida has 16,461 families (33.4%) with incomes between 100% and 199% of the poverty level. These families are often called 'near poverty' or low-income households. Specifically, 6,059 families (12.3%) have incomes between 100% and 149% of poverty. While technically above the poverty line, these families often struggle with housing costs, healthcare, childcare, and other expenses, making them economically vulnerable.

In Bay County, Florida, 1,704 families (3.5%) live in extreme poverty, with incomes below 50% of the federal poverty threshold. These families face severe economic hardship and often require comprehensive assistance programs. On the other end of the spectrum, 28,812 families (58.4%) have incomes at least 200% above the poverty level, indicating greater financial stability and economic security.