| ZIP Code | 32428 |
|---|---|
| City | Chipley |
| State | Florida (FL) |
| County | Washington County |
| Area Code | 448/850 |
| Elevation | 91 ft |
| Latitude | 30.61575 |
|---|---|
| Longitude | -85.572945 |
| Timezone | New York (DST) |
| FIPS | 12133 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 40.9 yrs |
|---|---|
| Avg Household Size | 2.42 |
| Below Poverty | 14.9% ▲ 49% above avg |
| College Grads | 24.0% ▼ 38% below avg |
| Unemployment | 3.4% ▼ 31% below avg |
| No HS Diploma | 269 (2.4%) |
| HS Graduate | 4,236 (37.2%) |
| Some College | 2,383 (20.9%) |
| Associates | 1,769 (15.5%) |
| Bachelors | 1,018 (8.9%) |
| Graduate Degree | 1,720 (15.1%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $52,234 ▼ 32% below avg ↑ 36% since 2019 |
|---|---|
| Median Home Value | $157,900 ▼ 43% below avg ↑ 31% since 2019 |
| Home/Income Ratio | 3.0x (nat avg ~3.5x) |
| Median Rent | $896/mo ↑ 16% since 2019 |
| Total Units | 7,475 |
| Vacant Units | 1,093 |
| Avg HH Size | 2.42 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 7,475 |
|---|---|
| Vacant | 1,093 |
| Owner Occupied | 81.1% |
| Renter Occupied | 18.9% |
| Avg HH Size | 2.42 |
ZIP code 32428 is located in Chipley, Florida, within Washington County. With a population of 18,015, this is a moderately populated ZIP code with a middle-aged community — the median age is 40.9 years. Economically, 32428 is a working-class ZIP code: the median household income of $52,234 is below the national average.
Real estate in ZIP code 32428 represents an affordable housing market. The median home value of $157,900 is below the national average. Renters can expect to pay around $896 per month in median rent. Homeownership is strong here — 81.1% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 31% since 2019.
The population of 32428 is primarily White (77.21%). Residents are less-educated — 24.0% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 14.9%. Household income has grown by 36% since 2019.
The unemployment rate in 32428 stands at 3.4%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 82%.
Overall, ZIP code 32428 in Chipley, FL is characterized as working-class, less-educated, a middle-aged community, and predominantly owner-occupied. With 18,015 residents, a median household income of $52,234, and a median home value of $157,900, it offers a clear picture of life in this part of Florida.