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Planting calendar for ZIP 32409 (Panama City, FL)

When to plant vegetables in Panama City, FL (USDA hardiness zone 9a). Typical last spring frost around Feb 15, 2026 (±22 days year to year), first fall frost around Dec 12, 2026 (±22 days).

Playing it safe? Spring frost holds off until about Mar 15, 2026 in roughly 9 years out of 10 — a good target for tender crops like tomatoes and peppers.

See the full Panama City, FL planting calendar for dates typical of the whole city.

Turn these dates into a plan: lay out your beds, place each crop on its sow and transplant dates, and get a reminder when it’s time. Free on one garden, no credit card.

Plan my garden for 32409

Month by month in Panama City, FL

January

February

March

October

November

December

Understand your frost dates

Where these dates come from

Frost dates for ZIP 32409 come from NOAA 1991-2020 normals (USC00086842 PANAMA CITY 5N, FL US). You can look up that station’s record yourself.

Your exact dates depend on your address and microclimate. Schedules are guidance, not guarantees.