BMIE Market 32404

Bay County, Florida · ZCTA boundaries as of 2020

Profile

Population (current estimate)	42,514 2020–2024 ACS 5-year estimate ±1,794 · American Community Survey 5-Year Estimates · ACS 5-Year 2024 (2020-2024) ZCTA · B01003_001E · on 2020 boundaries · retrieved 2026-09-05
Households	16,158 2020–2024 ACS 5-year estimate ±791 · American Community Survey 5-Year Estimates · ACS 5-Year 2024 (2020-2024) ZCTA · B11001_001E · on 2020 boundaries · retrieved 2026-09-05
Population, 2010 Census count	38,425 2010 Census count · Decennial Census · Census Gazetteer ZCTA 2010 · POP10 · on 2010 boundaries · retrieved 2026-09-04
Housing units	16,640 2010 Census count · Decennial Census · Census Gazetteer ZCTA 2010 · HU10 · on 2010 boundaries · retrieved 2026-09-04
Median household income	$74,708 2020–2024 ACS 5-year estimate ±3,972 · American Community Survey 5-Year Estimates · ACS 5-Year 2024 (2020-2024) ZCTA · B19013_001E · on 2020 boundaries · retrieved 2026-09-05
Median age	37.1 2020–2024 ACS 5-year estimate ±1 · American Community Survey 5-Year Estimates · ACS 5-Year 2024 (2020-2024) ZCTA · B01002_001E · on 2020 boundaries · retrieved 2026-09-05
Median gross rent	$1,399 2020–2024 ACS 5-year estimate ±69 · American Community Survey 5-Year Estimates · ACS 5-Year 2024 (2020-2024) ZCTA · B25064_001E · on 2020 boundaries · retrieved 2026-09-05
Median home value	$273,500 2020–2024 ACS 5-year estimate ±11,531 · American Community Survey 5-Year Estimates · ACS 5-Year 2024 (2020-2024) ZCTA · B25077_001E · on 2020 boundaries · retrieved 2026-09-05
Land area	135.0 sq mi Census Gazetteer 2020
Restaurants	43 2023 · U.S. Census Bureau, ZIP Code Business Patterns 2023 detail (NAICS2022) · by USPS ZIP 32404
Restaurants per 10,000 residents	10.2 DERIVED: 2010 restaurants (ZIP) ÷ 2010 Census population (ZCTA) · different years, stated as such
Restaurant growth, 5-year	-12.2% DERIVED: 2018 → 2023, ZIP Code Business Patterns restaurants
Restaurant growth, 10-year	+16.2% DERIVED: 2013 → 2023, ZIP Code Business Patterns restaurants
Restaurant growth, 20-year	+48.3% DERIVED: 2003 → 2023, ZIP Code Business Patterns restaurants
Restaurant growth, Longest on file	+104.8% DERIVED: 1994 → 2023, ZIP Code Business Patterns restaurants
Projected restaurants, 2028	42 (range 33–50) FORECAST · linear trend v1 fitted to 2013–2023 (11 points, +0.0 per year, r² 0.00) · 80% range · confidence Low · momentum, not a guarantee
Projected population, 5 years ahead	Needs more ACS years on file
BMIE Market Score	65 / 100 MODELED · bmie_market_score v1 · confidence High · why?
Consumer Market Score	79 / 100 MODELED · consumer_market_score v1 · confidence High · why?
Restaurant Opportunity Score	69 / 100 MODELED · restaurant_opportunity_score v1 · confidence High · why?
Market Momentum Score	39 / 100 MODELED · market_momentum_score v1 · confidence High · why?

Map

Boundary: U.S. Census Bureau cartographic file, 1:500k, 2020 vintage. Basemap © OpenStreetMap contributors.

Trends

Historical lines are published counts. Dashed lines are derived: a least-squares trend through the last decade, extended as a FORECAST with its 80% range. Momentum, not a guarantee.

Restaurants by year, with trend and projection

ZIP Code Business Patterns, USPS ZIP 32404. Projection: linear trend v1, fitted 2013–2023, +0.0 restaurants per year, r² 0.00, confidence Low.

Growth index (first year on file = 100)

Each category relative to its own first published count. Full/limited split is unavailable under SIC (before 1998).

Mix of the food-service market

Share of all food-service establishments. "Other" = snack bars, caterers, contractors, mobile.

Population and restaurants per 10,000 residents

Population points: 2010 Census count and ACS 5-year estimates on file (more vintages load over time). Density uses the population point within two years of each restaurant count. Population projection appears once three or more ACS years are loaded.

Restaurant growth vs. Florida and U.S. averages

Averages are the mean growth across all ZCTAs with the figure (state n = 918, U.S. n = 24,852). DERIVED from ZIP Code Business Patterns.

Why these scores?

Each score is a weighted average of national percentile ranks (0 = lowest of all ZCTAs with that figure, 100 = highest). Weights are set in the model registry, not in code, and every score carries its model version.

BMIE Market Score: 65 (High confidence)

Component	Value	Rank	Weight	Adds
Consumer Market Score	78.8	79	40%	+31.5
Restaurant Opportunity Score	68.7	69	35%	+24.1
Market Momentum Score	38.9	39	25%	+9.7

Health index, advertising, whitespace, competition and risk components join in later versions.

Consumer Market Score: 79 (High confidence)

Component	Value	Rank	Weight	Adds
Population (ACS)	42,514	95	40%	+38.0
Median household income (ACS)	74,708	55	40%	+21.9
Households (ACS)	16,158	95	20%	+18.9

Percentile-rank composite. No spending model yet: income and size stand in for spending capacity.

Restaurant Opportunity Score: 69 (High confidence)

Component	Value	Rank	Weight	Adds
10-year restaurant growth	16.2	60	35%	+20.9
Restaurants per 10,000 residents (lower = more room)	10.1	72	25%	+18.0
Population (ACS)	42,514	95	20%	+19.0
Median household income (ACS)	74,708	55	20%	+10.9

Whitespace, competition and demand signals are not yet available; this version uses growth, density, size and income only.

Market Momentum Score: 39 (High confidence)

Component	Value	Rank	Weight	Adds
5-year restaurant growth	-12.2	17	50%	+8.6
10-year restaurant growth	16.2	60	30%	+17.9
20-year restaurant growth	48.3	62	20%	+12.4

Restaurant-count growth only until population and income growth series exist.

A high score is a statistical position among all U.S. ZCTAs, not a prediction that a restaurant will succeed.

Restaurants on file (127)

By cuisine

American 25 · Coffee 13 · Pizza 11 · Asian 10 · Sandwiches 10 · Seafood 9 · BBQ 8 · Chicken / wings 7 · Burgers 6 · Cajun, Creole, Southern 6 · Mexican 6 · Bakery 5 · Thai 5 · Dessert 4 · Korean 4 · Italian 3 · Breakfast 2 · Chinese 2 · Ice cream / frozen desserts 2 · Noodles / ramen / pho 2 · Southwestern / Tex-Mex 2 · Japanese 1 · Juice / smoothies 1 · Latin American (other) 1 · Middle Eastern 1 · Steakhouse 1 · Sushi 1 · Tea / bubble tea 1 · Vietnamese 1

By type

Restaurant (service type not stated) 73 · Quick service 28 · Bar 17 · Casual dining 11 · Coffee shop 10 · Café 8 · Bakery 6 · Dessert 6 · Food truck 5 · Catering 3 · Delivery-focused 2 · Juice, smoothie, tea 2 · Buffet 1

Name	Type	Cuisine	Address	Status
7 Brew Coffee	Coffee shop	Coffee	104 S Tyndall Pkwy	open
Angel’s BBQ & Catering	Catering	BBQ · Cajun, Creole, Southern	6034 US-98 E	open
Applebee's Applebee's Grill & Bar	Casual dining · Restaurant (service type not stated) · Bar	American	600 N. Tyndall Parkway	open
Arby's	Quick service · Restaurant (service type not stated)	Sandwiches	141 Tyndall Pkwy	open
Beef 'O' Brady's Beef 'O' Brady's Fern Creek	Bar · Casual dining	American	842 N Tyndall Pkwy	open
Blush Bakery	Bakery · Restaurant (service type not stated) · Dessert	Bakery	11115 Old Bicycle Rd	open
Bourbon St Cafe	Food truck		106 N Tyndall Pkwy	open
Brenda's Little World	Bakery	Bakery	6134 E Highway 98	open
Burger King Burger King	Quick service	Burgers · American	4709 US-231	open
Cafe on Tyndall Pkwy	Café · Restaurant (service type not stated) · Casual dining	Coffee · American	804 S Tyndall Pkwy	open
CAFFiEND'S 24/7	Coffee shop	Coffee		open
Callaway Beefs Llc	Restaurant (service type not stated)		842 N Tyndall Pkwy	open
Callaway Seafood	Restaurant (service type not stated)	Seafood	4909 FL-22	open
Callaway Slice House	Restaurant (service type not stated) · Casual dining	Pizza · American	331 N Bob Little Rd	open
Captain D's Captain D's	Restaurant (service type not stated)	Seafood · American	242 S Tyndall Pkwy	open
Chick-fil-A Chick-fil-A	Quick service	Chicken / wings · American	401 N Tyndall Pkwy	open
Church's Chicken	Restaurant (service type not stated)	Chicken / wings	104 S Tyndall Pkwy	open
Coram's Steak & Egg	Restaurant (service type not stated)	Breakfast	804 S Tyndall Pkwy	open
Corams 231	Restaurant (service type not stated) · Casual dining	American	6204 Highway 2301	open
Coyote's Bar	Bar		2304 CR-2327	open
Culver's Culver's	Quick service	Burgers · American	604 S Tyndall Pkwy	open
Dairy Queen Grill & Chill Dairy Queen	Quick service · Dessert	Ice cream / frozen desserts · Dessert	720 N Tyndall Pkwy	open
del Valle kitchen	Food truck · Restaurant (service type not stated)	Mexican	535 N Tyndall Pkwy	open
Doll Snackz	Restaurant (service type not stated)	Seafood	5000 E Highway 22	open
Domino's Pizza Domino's Pizza	Quick service · Delivery-focused	Pizza	519 N Tyndall Pkwy	open
Dunkin' Dunkin'	Coffee shop · Quick service · Dessert · Bakery	Coffee · Dessert	712 N Tyndall Pkwy	open
EBF Coffee and Cafe	Coffee shop	Coffee	7124 E Highway 22	open
Firehouse Subs Firehouse Subs	Quick service · Restaurant (service type not stated)	Sandwiches	805 N Tyndall Pkwy	open
Flaming Grill & Buffet	Buffet		232 S Tyndall Pkwy	open
Flashbacks	Bar · Casual dining		7624 Penny Rd	open
Flowers Discount Bakery Store	Bakery	Bakery	2133 Transmitter Rd	open
Flyby Coffee	Coffee shop · Juice, smoothie, tea · Café	Coffee · Juice / smoothies	5104 Blue Harbor Dr	open
Flyby Coffee	Coffee shop · Restaurant (service type not stated) · Café	Coffee	6034 E Hwy 98	open
Fuji Japanese Restaurant	Restaurant (service type not stated)		232 S Tyndall Pkwy	open
Gary's Marine Service Of Nw Fl Llc	Restaurant (service type not stated)		1320 N Tyndall Pkwy	open
Gary's Oyster Shack	Restaurant (service type not stated)	Seafood · American	1320 N Tyndall Pkwy	open
GG'S Rated R	Bar		5001 E 3rd St	open
Gulfside Grill Southern Seafood & Grill	Restaurant (service type not stated)	Seafood · Cajun, Creole, Southern	7336 FL-22	open
Hungry Howie's Hungry Howie's	Delivery-focused · Quick service	Pizza	306 S Tyndall Pkwy	open
Hungry Howie's Pizza & Subs Hungry Howie's	Quick service	Pizza · Sandwiches	5805 US-231	open
J.R.'s Rib Shack	Restaurant (service type not stated)	BBQ · Cajun, Creole, Southern · American	281 N Star Ave	open
JC's Snack Shop	Restaurant (service type not stated)	American · Sandwiches · Burgers	5824 Cherry St	open
Jimmy John's	Quick service · Restaurant (service type not stated)	Sandwiches	736 N Tyndall Pkwy	open
Kevin Karaoke Sports Bar	Bar		5001 FL-22	open
KFC KFC	Quick service · Restaurant (service type not stated)	Chicken / wings	427 S Tyndall Pkwy	open
King House	Restaurant (service type not stated)	Chinese · Asian	801 N Tyndall Pkwy	open
Korean Restaurant	Restaurant (service type not stated)	Korean · Asian	6121 Cherry St	open
Krispy Krunchy Chicken	Restaurant (service type not stated)	Chicken / wings	4130 Cherry St	open
Krispy Krunchy Chicken Krispy Krunchy Chicken	Quick service		6641 Hwy 231	open
La-moon La-mai Llc	Restaurant (service type not stated)		6212 E Highway 98	open
Landing Strip	Bar	American	5657 E Highway 98	open
Leon's Donuts	Bakery · Dessert	Dessert · Bakery	6246 E Hwy 98	open
Lickin' Chicken	Restaurant (service type not stated)	Chicken / wings · American	1320 N Tyndall Pkwy	open
Limber’s Joa	Restaurant (service type not stated)		1017 S Katherine Ave	open
Little Caesars Pizza Little Caesars	Quick service · Restaurant (service type not stated)	Pizza	133 South Tyndall Pkwy	open
Little's Lunches and Kitchen	Restaurant (service type not stated) · Catering	American	854 N Tyndall Pkwy	open
Lola's Boba's	Juice, smoothie, tea · Dessert · Café	Tea / bubble tea · Dessert · Coffee	532 N Tyndall Pkwy	open
Lucky Seoul	Restaurant (service type not stated)	Korean · Asian	360 S Tyndall Pkwy	open
Marco's Pizza	Restaurant (service type not stated)	Pizza	4603 US-231	open
Marco's Pizza Marco's Pizza	Restaurant (service type not stated)	Pizza · Italian	222 South Tyndall Parkway	open
Mc Lean's Auto Salvage	Restaurant (service type not stated)		2306 Transmitter Rd	open
McDonald's	Coffee shop · Restaurant (service type not stated) · Quick service	Coffee · Burgers	121 N Tyndall Pkwy	open
Michael's Grill	Casual dining · Restaurant (service type not stated) · Bar	Middle Eastern		open
Mr Pho Vietnamese Restaurant Mr. Phở	Restaurant (service type not stated)	Vietnamese · Noodles / ramen / pho · Asian	209 Sudduth Pl	open
N Tyndall Pkwy & E 7th St Whataburger	Quick service		702 N TYNDALL PKWY	open
Next Step	Café	Korean · Coffee · Asian	6807 FL-22	open
No 1 Chinese Restaurant No. 1 Chinese Restraunt	Restaurant (service type not stated)	Chinese · Asian	410 S Tyndall Pkwy	open
Old Mexico Restaurant	Restaurant (service type not stated)	Mexican · Southwestern / Tex-Mex · Latin American (other)	430 S Tyndall Pkwy	open
Papa John's Pizza	Restaurant (service type not stated)	Pizza	736 N Tyndall Pkwy	open
Papa Murphy's Take 'N' Bake Pizza	Restaurant (service type not stated)	Pizza	837 N Tyndall Pkwy Ste A	open
Pirogues Food Truck	Food truck · Restaurant (service type not stated) · Catering		6222 E Highway 98	open
Pizza Hut Pizza Hut	Quick service · Restaurant (service type not stated)	Pizza	4129 Cherry St	open
Pizzeria Napoli	Restaurant (service type not stated)	Italian	6144 E Highway 98	open
Pizzeria Napoli	Restaurant (service type not stated)	Pizza · Italian	6144 E Highway 98	open
PoFolks PoFolks	Restaurant (service type not stated)	American · Cajun, Creole, Southern	339 N Tyndall Pkwy	open
Pogirl's Poboy Kitchen	Restaurant (service type not stated)	Sandwiches	6221 E Hwy 98	open
Pokeys Pearls Oysters LLC	Restaurant (service type not stated)	Seafood	6855 Highway 2311	open
Pressed Panini & Flatbreads	Food truck		539 S Tyndall Pkwy	open
Re-Rack Sports Bar	Bar		7624 Penny Rd	open
ReelTime Fishers Seafood	Restaurant (service type not stated)	Seafood	7437 E Highway 22	open
Ribcrib Bbq	Restaurant (service type not stated)	BBQ	532 N Tyndall Pkwy	open
Rodeo's Steak Pit & Seafood	Restaurant (service type not stated)	Steakhouse · Seafood · American	5904 E Hwy 98	open
Royal Thai Cuisine	Restaurant (service type not stated)	Thai · Asian	6212 E Hwy 98	open
RoyalThai2	Restaurant (service type not stated)	Thai · Noodles / ramen / pho · Asian	6300 E Highway 98	open
Salty Hobo 2	Casual dining · Bar		331 Bob Little Rd	open
San Marcos Mexican Grill Callaway	Restaurant (service type not stated)	Mexican · Southwestern / Tex-Mex	532 N Tyndall Pkwy	open
San Marcos Mexican Grills Panama City	Restaurant (service type not stated) · Casual dining	Mexican · American	4919 Lindsey Xing	open
Sea BreezE Barbeque	Restaurant (service type not stated)	BBQ	1139 N Tyndall Pkwy	open
Sea Breeze restaurant	Restaurant (service type not stated)	BBQ · Cajun, Creole, Southern	1139 N Tyndall Pkwy	open
Seoul Garden Restaurant	Restaurant (service type not stated)	Korean	416 N Tyndall Pkwy	open
Sharks' Sports Bar	Bar		239 S Sudduth Pl	open
Sidekicks Lounge	Bar		415 N Tyndall Pkwy	open
Slim Chickens Slim Chickens	Quick service	Chicken / wings · Sandwiches	518 N Tyndall Pkwy	open
Smokin Hot BBQ & Stuff	Restaurant (service type not stated)	BBQ	6547 N Highway 231	open
Sonic Drive In Sonic Drive-In	Quick service · Restaurant (service type not stated)	American	238 North Tyndall Parkway	open
Sonic Drive-In Sonic Drive-In	Quick service · Restaurant (service type not stated)	American	4239 North Highway 231	open
Starbucks Starbucks	Coffee shop · Café	Coffee	4580 Lindsey Crossing	open
Starbucks Starbucks	Coffee shop · Café · Bakery	Coffee · Bakery	740 N Tyndall Pkwy	open
Subway Subway	Quick service · Restaurant (service type not stated)	Sandwiches	5500 N Star Ave	open
Subway Subway	Quick service · Restaurant (service type not stated)	Sandwiches	3604 15th St E	open
Subway Subway	Quick service · Restaurant (service type not stated)	Sandwiches	241 S. Tyndall Pkwy.	open
Sugar lab PC	Dessert	Ice cream / frozen desserts	717 S Tyndall Pkwy	open
Taco Bell Taco Bell	Quick service	Mexican	4315 US-231	open
Taco Bell Taco Bell	Quick service	Mexican	434 S Tyndall Pkwy	open
Thai Chef Restaurant	Restaurant (service type not stated)	Thai	854 N Tyndall Pkwy	open
Thai Temple on Cherry Street	Restaurant (service type not stated)	Thai · Asian	6505 Cherry St	open
Thailand Restaurant	Restaurant (service type not stated)	Thai	5614 Lilly St	open
The Barrel Bar	Bar	BBQ	331 N Highway 22A	open
The Bayou Tiki Bar	Bar		6408 Pinetree Trl	open
The Compound / Private Music Club	Bar		7019 Highway 231	open
The Dessert Tables	Restaurant (service type not stated)		5819 Lake Dr	open
The Human Bean The Human Bean	Coffee shop · Café	Coffee	271 N Tyndall Pkwy	open
The Smoking Section	Bar	BBQ	331 N Highway 22A	open
Tyndall Bridge Food Truck Court	Food truck		5710 E Hwy 98	open
Tyndall Diner	Casual dining	American	232 S Tyndall Pkwy	open
Vittles Ta Go Inc	Restaurant (service type not stated)		339 N Tyndall Pkwy	open
Waffle House Waffle House	Casual dining	Breakfast · American	306 N Tyndall Pkwy	open
Watering Hole	Bar		2304 Transmitter Rd	open
Wendy's Wendy's	Quick service	Burgers · American	109 S. Tyndall Parkway	open
Whataburger Whataburger	Quick service	Burgers · American	702 N TYNDALL PKWY	open
WS Crab House	Restaurant (service type not stated)	Seafood · Cajun, Creole, Southern · American	5029 FL-22	open
Zaxby's Zaxby's	Quick service · Restaurant (service type not stated)	Chicken / wings	217 N Tyndall Pkwy	open
ZENSHI Handcrafted Sushi Zenshi Sushi	Restaurant (service type not stated)	Japanese · Sushi · Asian	4601 Lindsey Xing	open
Band Of Brothers Group, Llc	Restaurant (service type not stated)		282 N Kimbrel Ave	closed
Hot Dawg Queen	Restaurant (service type not stated)	Hot dogs	717 S Tyndall Pkwy	closed
John Boys	Restaurant (service type not stated)	American	325 S Tyndall Pkwy	closed
Old Mexico Of Parker Inc	Restaurant (service type not stated)		360 S Tyndall Pkwy	closed

Listings: Overture Maps Places (CDLA-Permissive-2.0), matched into the BMIE restaurant master. Census establishment counts and listing counts differ by definition (Census counts employer establishments in the reference week; listings are places currently mapped).

Restaurant establishments over time

Year	All food service	Restaurants	Full-service	Limited-service	Snack & beverage	Bars	Industry codes
1994	26	21	—	—	—	5	SIC1987
1995	25	19	—	—	—	6	SIC1987
1996	26	19	—	—	—	7	SIC1987
1997	33	26	—	—	—	7	SIC1987
1998	32	27	16	10	1	5	NAICS1997
1999	36	29	17	12	—	7	NAICS1997
2000	35	28	14	13	1	7	NAICS1997
2001	34	28	15	12	1	6	NAICS1997
2002	32	27	16	11	—	4	NAICS1997
2003	35	29	15	13	—	5	NAICS2002
2004	39	31	18	12	—	5	NAICS2002
2005	37	30	14	15	—	4	NAICS2002
2006	37	31	13	17	—	3	NAICS2002
2007	38	33	12	18	2	2	NAICS2002
2008	42	35	14	18	2	2	NAICS2007
2009	42	36	11	21	3	3	NAICS2007
2010	46	39	17	20	1	3	NAICS2007
2011	45	39	17	20	1	2	NAICS2007
2012	44	37	15	20	1	3	NAICS2012
2013	42	37	13	20	3	3	NAICS2012
2014	42	38	16	20	2	2	NAICS2012
2015	47	44	16	25	3	2	NAICS2012
2016	51	46	15	28	3	4	NAICS2012
2017	50	46	14	29	—	3	NAICS2017
2018	54	49	17	29	—	4	NAICS2017
2019	41	36	10	24	—	4	NAICS2017
2020	42	38	10	24	3	3	NAICS2017
2021	46	40	11	25	3	3	NAICS2017
2022	48	40	14	23	—	3	NAICS2022
2023	50	43	15	25	—	—	NAICS2022

U.S. Census Bureau, ZIP Code Business Patterns, by USPS ZIP 32404. Categories are BMIE roll-ups of the published SIC/NAICS codes (full vs limited service is not split under SIC). More years load in stages.

Nearby markets (within 5 miles)

None within 5 miles.