32428
Chipley, Florida.
Chipley, Washington County, FL · population 17,950
to buy the typical home at today's mortgage rate — +$675 (+130%) since Jan 2020.
- 1 year
- Up $3,857 +2%
- $224,018$227,875 since Sep 2025
- 5 years
- Up $34,017 +18%
- $193,858$227,875 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 32428$1,196
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 21 years.
Typical home values in zip 32428 rose 1.7% over the past year — faster than the nation's +1.2%.
This zip spans 3 counties: Washington County, FL 97% · Bay County, FL 2% · Jackson County, FL 1%
Zillow also publishes an index for the city itself: Chipley, FL — measured over the city limits, which is a different area from this zip.
Typical home value — 32428
Mid-tier homes, smoothed and seasonally adjusted.
- 32428$227,875
- United States$366,157
Within 20 miles
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 11.4 | 32420 | Alford | 2,159 | — | $203,170 |
| 11.7 | 32438 | Fountain | 4,815 | — | $161,598 |
| 14.8 | 32427 | Caryville | 1,030 | — | $187,326 |
| 15.1 | 32431 | Cottondale | 4,683 | — | $186,073 |
| 16.1 | 32462 | Vernon | 3,920 | — | $182,880 |
| 17.2 | 32466 | Youngstown | 5,916 | — | $267,471 |
| 18.7 | 32425 | Bonifay | 13,942 | — | $181,993 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.