CallataGuidesGet a local business phone number in Panama City, FL
Panama City's area codes, prefixes and carriers from NANPA records, and how to put a Panama City number in front of your customers.
- Area code
- 850 / 448
- Exchanges
- 74NANPA-assigned
- Carriers
- 28
- Population
- 37,024Census 2024 est.
Area codes in Panama City
With 37,024 residents in the Census 2024 estimate, Panama City sits in Bay County, Florida. NANPA lists 74 exchanges for its rate center across 2 area codes; 850 has the most (63, 85%). 850 is part of an overlay with 448, so a new local number in Panama City may carry any of those codes depending on which have numbers available. Panama City is in the Eastern and Central time zone.
According to NANPA's dialing-plan data, local calls within 850 are dialed as ten digits (area code plus number) and toll calls as 1 plus ten digits.
Phone carriers in Panama City
28 carriers hold the 74 exchanges assigned to Panama City's rate center. Bellsouth Telecomm INC d/b/a Southern Bell Tel & Tel has the most, with 16. 47 of them are pooled codes, which the holder shares with other carriers in blocks of 1,000 numbers. A business number in Panama City can come from any of these blocks; once it is yours, porting lets it move between providers.
| Carrier (NANPA operating company) | Exchanges | Share |
|---|---|---|
| Bellsouth Telecomm INC d/b/a Southern Bell Tel & Tel | 16 | 22% |
| Cellco Partnership d/b/a Verizon Wireless - FL | 11 | 15% |
| Powertel Jacksonville Licenses, INC. | 7 | 9.5% |
| Wow! Internet, Cable and Phone | 4 | 5.4% |
| New Cingular Wireless PCS, LLC - Ga | 4 | 5.4% |
| Paetec Itel, LLC | 3 | 4.1% |
| Level 3 Communications, LLC - FL | 3 | 4.1% |
| Nuso, LLC | 2 | 2.7% |
| Metropcs, INC. | 2 | 2.7% |
| Comcast Ip Phone, LLC | 2 | 2.7% |
| Onvoy, LLC - FL | 2 | 2.7% |
| Teleport Communications America, LLC - FL | 2 | 2.7% |
Carrier names are the operating company (OCN) names on NANPA's utilized central office code file dated 10/01/2026. A carrier holding a code may port numbers to other carriers.
Exchanges (NPA-NXX) assigned in Panama City
Each prefix below is a block of up to 10,000 numbers that NANPA assigned to Panama City's rate center (PANAMACITY). The earliest assignment date recorded in the file for these codes is 2001. 15 of the 74 were assigned in 2020 or later.
| Area code | Prefixes (NXX) |
|---|---|
| 448 | 205, 217, 232, 237, 245, 252, 338, 440, 480, 890, 895 |
| 850 | 215, 248, 249, 250, 252, 257, 258, 276, 319, 335, 338, 348, 358, 381, 387, 392, 481, 522, 527, 532, 541, 560, 596, 615, 624, 625, 628, 630, 640, 691, 704, 730, 740, 747, 763, 767, 769, 770, 771, 772, 774, 784, 785, 804, 814, 818, 819, 829, 832, 851, 866, 867, 870, 871, 872, 873, 874, 890, 896, 913, 914, 928, 960 |
Source: NANPA utilized central office code file.
When Panama City's exchanges were assigned
Assignment dates show when each block of Panama City numbers was added to the local supply.
| Decade assigned | Exchanges | Share |
|---|---|---|
| 2000s | 13 | 39% |
| 2010s | 5 | 15% |
| 2020s | 15 | 45% |
Assignment dates as recorded in NANPA's utilized code file; codes without a recorded date are excluded.
Rate centers and local calling in Panama City
NANPA ties every exchange to a rate center. For Panama City that is PANAMACITY, so a number from one of these exchanges reads as local to people in and around Panama City.
If your business already has a Panama City number, porting it to Callata is free and keeps it on your cards, listings and vehicles.
Who does business near Panama City
Panama City is part of the Panama City-Panama City Beach, FL metro area, home to 226,000 people in 2024. County Business Patterns counted 5,751 business establishments in the Panama City, FL metro area in 2023, employing 66,323 people. The largest sectors by establishment count are retail trade (887), construction (776), and health care and social assistance (623).
| Industry | Establishments | Employees | Employees per establishment |
|---|---|---|---|
| Physician practices | 217 | 2,243 | 10.3 |
| Full-service restaurants | 209 | 5,183 | 24.8 |
| Limited-service restaurants | 185 | 3,698 | 20.0 |
| Offices of real estate agents and brokers | 170 | 261 | 1.5 |
| Residential remodelers | 106 | 402 | 3.8 |
| Janitorial services | 93 | 1,076 | 11.6 |
| Law offices | 91 | 440 | 4.8 |
| Plumbing, heating and air-conditioning contractors | 87 | 1,098 | 12.6 |
Selected small-business industries (six-digit NAICS) covered by these guides. Source: Census County Business Patterns 2023.
Setting up a Panama City business line
Callata is a business phone system priced at $99 a month with 5 users included, then $20 per additional user. Callata Office includes up to 3 local business numbers, unlimited inbound calling, 1,500 pooled outbound US and Canada minutes per user each month, a browser softphone that can also ring your cell, voicemail with transcription, call recording with AI summaries, business-hours routing and E911 on every number.
If you already have a number in Panama City, porting it to Callata is free. Texting from a local number requires a one-time carrier registration (10DLC, $49), and the numbers available in any area code depend on carrier inventory when you choose them.
Optional AI agents (receptionist, sales, support or scheduler) can answer calls after hours or when nobody picks up, take messages, text, email and transfer to your team. They are billed from prepaid AI minutes at $0.25 per minute, identify themselves as AI, and may only place outbound calls to people who consented, between 8am and 9pm.
A 12-person team is the benchmark here, the rounded average establishment size in the Panama City, FL metro area. Billed per seat at month-to-month list prices (checked September 28, 2026), RingCentral RingEX Core costs $360.00 a month and Ooma Office Pro $299.40. On Callata the same 12 people cost $239.00 a month, less than either per-seat plan.
| Provider (plan) | Pricing basis | Per month | Per year |
|---|---|---|---|
| Callata (Callata Office) | $99 incl. 5 users, $20 per extra user | $239.00 | $2,868.00 |
| Quo (Starter) | $19.00 per user | $228.00 | $2,736.00 |
| Nextiva (Core) | $23.00 per user | $276.00 | $3,312.00 |
| Ooma (Office Pro) | $24.95 per user | $299.40 | $3,592.80 |
| Dialpad (Standard) | $27.00 per user | $324.00 | $3,888.00 |
| RingCentral (RingEX Core) | $30.00 per user | $360.00 | $4,320.00 |
Competitor prices are each vendor's published month-to-month list price per user for its lowest plan that includes business calling and texting, checked September 28, 2026: Quo Starter $19, Nextiva Core $23, Ooma Office Pro $24.95 (Essentials excludes texting; one-time $29.95 activation not included), Dialpad Standard $27, RingCentral RingEX Core $30 ($20 billed annually). Prices exclude taxes and fees and may change; annual contracts lower some competitors' prices.
Frequently asked questions
What area code is Panama City, FL?
Panama City has exchanges in 850 and 448; 850 has the most.
How many phone companies have exchanges in Panama City?
28, holding 74 exchanges between them, according to NANPA's 10/01/2026 file.
Can I keep my existing Panama City business number?
Yes. Porting an existing number to Callata is free. Texting from it starts after carrier registration (10DLC), a one-time $49 fee.
How much is a business phone line in Panama City?
Callata is $99 a month with 5 users included, then $20 per additional user, with up to 3 local numbers; 12 users come to $239.00 a month. For comparison, 12 users on RingCentral RingEX Core list at $360.00 a month (checked September 28, 2026).