What are the schools like in Chipley, FL?

Chipley is served primarily by WASHINGTON. The district operates 2 elementary schools, 2 middle schools, and 3 high schools with a student-to-teacher ratio of 16.5:1.

What is the median household income in Chipley?

The median household income in Chipley, FL is $35,469 according to the most recent US Census American Community Survey 5-year estimates. The unemployment rate is 9.9%.

What is the weather like in Chipley, FL?

Chipley has an average high temperature of 63.6°F in January and 93.0°F in July. Annual precipitation averages 60.8 inches.

Chipley, FL Cost of Living, Crime & Is It a Good Place to Live? (2026)

Q: Is Chipley, FL affordable or expensive?

Chipley's cost of living index is 93, where 100 represents the national average. This means Chipley is 7% less expensive than the average US city. The median home value is $105,600 and the median rent is $735 per month.

Q: What is the crime rate in Chipley, FL?

Crime rate data for Chipley is not currently available from the FBI's reported data.

Is Chipley, FL a Good Place to Live?

Chipley is a small town of 3,644 in Florida, with a median household income of $35,469 and a 9.9% unemployment rate. Its cost of living index is 93 (US average = 100), which is 7% below the national average.

Strengths: Chipley stands out for an affordable cost of living, below-average home prices.

Trade-offs: Potential downsides include an elevated unemployment rate. Whether Chipley is right for you depends on your priorities — the full breakdown is below.

All Chipley city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.

Cost of Living

Index: 93.3

Chipley's overall cost of living index is 93.3, where 100 represents the US national average. Living in Chipley costs roughly 7% less than the average American city.

Metric	Chipley, FL	National Avg
Median Home Value	$105,600	$244,900
Median Monthly Rent	$735	$1,163
Homeownership Rate	62.8%	65.9%
Median Household Income	$35,469	$74,755

Crime & Safety

Crime data for Chipley is not currently available from the FBI's Uniform Crime Reporting program. Not all local agencies report to the UCR each year.

Schools & Education

Chipley is served primarily by WASHINGTON. The student-to-teacher ratio is 16.5:1 (slightly above the national average of ~16:1).

Metric	Chipley, FL	National Avg
School District	WASHINGTON	—
Elementary Schools	2	—
Middle Schools	2	—
High Schools	3	—
Student/Teacher Ratio	16.5:1	16:1
Bachelor's Degree or Higher	16.9%	35.4%
High School Diploma or Higher	78.5%	91.1%

Weather & Climate

Chipley sees average highs of 63.6°F in January and 93.0°F in July, with 60.8 inches of annual precipitation .

Metric	Chipley, FL
Average High — January	63.6°F
Average High — July	93.0°F
Annual Precipitation	60.8"
Annual Snowfall	Trace / None

Demographics

Metric	Chipley, FL	National Avg
Population	3,644	—
Median Age	32.9	38.9
Unemployment Rate	9.9%	3.7%
Avg Commute Time	27.6 min	26 min
White (non-Hispanic)	62.9%	59.3%
Black or African American	22.4%	13.6%
Hispanic or Latino	11.5%	18.9%
Asian	0.0%	6.3%
Under 18	26.0%	22.2%
65 and over	13.1%	16.8%

Nearby Cities

Bonifay, FL 9 mi Alford, FL 10 mi Wausau, FL 10 mi Cottondale, FL 10 mi Jacob City, FL 11 mi

ZIP Codes in Chipley

Chipley, FL is covered by 1 ZIP code:

32428

Chipley vs Other Cities

Chipley, FL vs Bonifay, FL Chipley, FL vs Alford, FL Chipley, FL vs Wausau, FL Chipley, FL vs Cottondale, FL Chipley, FL vs Jacob City, FL

Frequently Asked Questions

Is Chipley, FL affordable or expensive?

Chipley's cost of living index is 93, where 100 is the national average. That makes Chipley roughly 7% less expensive than a typical US city — a meaningful affordability advantage. The median home price is $105,600 and median rent is $735/month.

What is the crime rate in Chipley, FL?

Crime data for Chipley is not available in the current FBI UCR reporting year. Not all jurisdictions submit data annually.

What are the schools like in Chipley?

Public schools in Chipley are operated by WASHINGTON. The district has 2 elementary, 2 middle, and 3 high schools. The student-to-teacher ratio is 16.5:1. 16.9% of adults 25+ hold a bachelor's degree or higher.

Is Chipley, FL a good place to live?

Chipley, FL has a population of 3,644, a median household income of $35,469, and an unemployment rate of 9.9%. It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.

What is the weather like in Chipley?

Chipley averages 63.6°F in January and 93.0°F in July. Annual rainfall is 60.8 inches . Based on NOAA 30-year climate normals (1991–2020).

What ZIP codes are in Chipley?

Chipley, FL is covered by 1 ZIP code: 32428.

What is the population of Chipley?

The population of Chipley, Florida is 3,644 with a median age of 32.9. Source: US Census ACS 5-Year Estimates.

What are the pros and cons of living in Chipley?

Key numbers for living in Chipley: cost of living index 93 (100 = US average), median home $105,600, median household income $35,469, schools rated C+. Whether these are benefits or drawbacks depends on where you're coming from — compare Chipley side by side with your current city to see the trade-offs.