Photo: The Bushranger · CC BY-SA 4.0Living in Callaway, FL: what to set up and who to call
All of Callaway gets its mail under one ZIP code, 32404. For emergencies, Callaway is closest to Ascension Sacred Heart Bay, 4.3 miles away.
I’m new in town
What to set up in Callaway, and who provides it. Tap an answer for the details and where they come from.
Power, water and internet
Who to call to start service at a new address in Callaway.
Power comes from Duke Energy
Duke Energy (Duke Energy Florida, LLC), an investor-owned utility, serves all of Callaway. Its homes paid an average of 18.4¢ per kWh in 2025, about $185 a month (its average across Florida).
Start or move service: progress-energy.com · (800) 700-8744
Service territory: HIFLD Electric Retail Service Territories (map dated Aug 2023). Prices and customers: EIA-861, 2025.
Water comes from Callaway, City of Water System
Callaway, City of Water System supplies almost all of Callaway. It buys treated surface water (EPA lists Bay County Water System as seller) and serves 20,520 people in all.
No health-based violations reported to EPA in the five years to October 2026, like 83% of the 3,525 systems serving 10,001–50,000 people.
The latest lead result on file, the 90th percentile of homes sampled in Jan–Dec 2023, was 1.7 ppb, below the 15 ppb action level that applied. That’s higher than 60% of similar systems’ latest results.
The system’s full record: EPA ECHO report
EPA SDWIS via Envirofacts (violations pulled Oct 9, 2026) and ECHO (lead samples, 2026Q3); service area: EPA Community Water System Service Area Boundaries v3.0. Violations are counted by the start of their compliance period. FL1030141.
5 home internet providers serve Callaway
100% of 6,226 addresses can get 100/20 Mbps; 6% can get fiber.
| Provider | Technology | Addresses | Fastest (Mbps) |
|---|---|---|---|
| Xfinity | Cable, Fiber | 96% | 2,000/250 |
| WOW! | Cable | 96% | 1,200/50 |
| AT&T | Fixed wireless, DSL, Fiber | 75% | 5,000/5,000 |
| Verizon | Fixed wireless | 92% | 300/20 |
| T-Mobile | Fixed wireless | 37% | 100/20 |
FCC National Broadband Map, as of December 2025. Availability as providers report it, not speeds people get.
In Callaway, you hire your own trash hauler
Pickup days, the drop-off and recycling in Callaway, from the town’s own site.
We couldn’t find pickup days or drop-off hours. Check cityofcallaway.com →
From cityofcallaway.com, the town’s official site, checked Oct 21, 2026. Rules change: the town’s page is the last word. .
Where your child goes to school
Public school districts and the school path by grade.
Callaway is in Bay County School District.
BSchool gradeSee Schools →U.S. Department of Education, NCES Common Core of Data, 2024–25. Enrollment rules and registration are the district’s.
Town hall and registering to vote
Who to call, and how to register.
Election office: FVAP local election office directory, updated Dec 2024; jurisdictions: EAC EAVS 2024. Registration rules and links: vote.gov, updated Nov 17, 2025.
Callaway is in ZIP code 32404
ZIP codes where Callaway residents live, with the share of the town in each.
| ZIP | Post office name | Share of Callaway | ZIP’s residents in Callaway |
|---|---|---|---|
| 32404 | Panama City, FL | 100% | 34% |
Census 2020 ZIP Code Tabulation Areas, by census block; post office names: GeoNames (CC BY 4.0). ZIPs created since 2020 are missing.
Getting around, the ER and the library
One line each; the subject pages have the rest.
ER: CMS hospital data. Library: IMLS Public Libraries Survey, FY2024.
Questions about living in Callaway
Who supplies Callaway’s drinking water, and has it had violations?
Callaway, City of Water System (EPA ID FL1030141). It reported no health-based violations to EPA in the five years to October 2026; 83% of systems its size had none. Its latest lead 90th percentile was 1.7 ppb (Jan–Dec 2023), against a 15 ppb action level.
Who provides electricity in Callaway?
Duke Energy (Duke Energy Florida, LLC), an investor-owned utility. Its homes paid about 18.4¢ per kWh in 2025 (EIA).
What internet providers serve Callaway?
Xfinity, WOW!, AT&T, Verizon, T-Mobile (FCC, as of December 2025).
What ZIP codes are in Callaway?
32404. Census 2020 ZIP Code Tabulation Areas.
What school district is Callaway in?
Bay County School District.
How do I register to vote in Callaway?
In Florida you can register online until 29 days before Election Day, in person until 29 days before Election Day, or by mail (postmarked 29 days before). Elections here are run by the Bay Supervisor of Elections. Check your registration at registration.elections.myflorida.com.
Sources & dates
Every answer above names its source. Here they are with their dates.
- Water: EPA SDWIS (Envirofacts, pulled Oct 9, 2026), ECHO SDWA 2026Q3, EPA CWS Service Area Boundaries v3.0.
- Power: HIFLD Electric Retail Service Territories (map Aug 2023); EIA-861 final 2025.
- Trash: Callaway’s own website (cityofcallaway.com), read Oct 21, 2026, pickup and drop-off facts extracted and checked against the page they came from.
- ZIP codes: Census 2020 ZCTA relationship files; GeoNames postal codes (CC BY 4.0).
- Schools: NCES Common Core of Data, 2024–25.
- Registration: vote.gov, updated Nov 17, 2025 (read Oct 10, 2026). Official sites and area codes: Wikidata.
- Election office: FVAP local election office directory (fetched Oct 10, 2026; each record dated), EAC EAVS 2024 jurisdictions; registration and lookup links from vote.gov’s state data, checked Oct 10, 2026.
- Internet: FCC National Broadband Map, as of December 2025.