Chipley, Florida.
Typical home $228,553 (+1.6% in a year).
to buy the typical home at today's mortgage rate — +$679 (+130%) since Jan 2020.
- 1 year
- Up $3,676 +2%
- $224,877$228,553 since Sep 2025
- 5 years
- Up $34,486 +18%
- $194,067$228,553 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.
- Chipley$1,200
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 21 years.
Typical home values in Chipley, FL rose 1.6% over the past year — faster than the nation's +1.2%.
Living in Chipley, Washington County, Florida
Chipley is a city of 3,660 people in Washington County. Unemployment in Washington County was 5.4% in August 2026, and the county had 2.7% more jobs in 2025 than the year before. The most people in Washington County work in schools and health care, then construction.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Chipley is a small city in the Florida Panhandle and the largest town in Washington County. Winters are mild, with January the coldest month and little or no snow, while summers run hot, and July is the warmest stretch. Rain falls through the year, and the city sees more of it than many parts of the country. Home values here are modest, and household incomes across the county are on the low side.
Work. Many residents work in schools, hospitals and social care, in the building trades, in shops, and in government. Among the largest workplaces in Chipley are Washington Schools, Walmart and Northwest Florida Community Hospital. Few people work from home, and the typical commute is a fairly long one, so many residents travel some distance to their jobs.
Things to do. Falling Waters State Park, a protected area, is a short drive away. A longer drive brings you to Florida Caverns State Park and to Ponce de Leon Springs State Park, both also protected areas, and to Waddells Mill Pond Site, an archaeological site.
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- 1,512households
- 17%of adults have a degree
- 13%below the poverty line
- 30 mintypical commute
- 3%work from home
What people in Washington County work in
Employed residents by industry, from the Census survey. Washington County had 6,397 jobs in 2025, 2.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 64° and lows near 39°; warmest in July, with highs near 93° and lows near 72°. About 61 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Chipley weather station, under a mile away (NOAA).
Largest workplaces in Chipley
- Washington SchoolsSchool district501FTE
- WalmartWarehouse clubs and supercenters311
- VenturaNursing homes184
- WestPoint HomeComforters made from purchased fabrics158
- Northwest Florida Community HospitalCritical access hospital138FTE
- UPSCouriers and express delivery services82
- OEM Tube Assemblies - ChipleyTubing, flexible metal, manufacturing65
- Florida Panhandle Technical CollegeCareer school40
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 8 workplaces with 20 or more staff, 873 people in all. School districts come from the Common Core of Data (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- HurricanesVery high
- LightningRelatively high
- TornadoesRelatively high
- Strong windRelatively moderate
- Cold wavesRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Chipley’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Washington County.
Chipley home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Chipley$228,553
- Florida$375,361
- United States$366,157
Sellers are cutting prices on about 1 in 4 Chipley listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Chipley25.36%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Chipley110
New listings per month
Sellers arriving at the market.
- Chipley18
Zip codes with a Chipley address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Chipley — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Chipley
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 32428 | Chipley | 17,950 | — | $227,875 |
| 32431 | Cottondale | 4,683 | — | $186,073 |