ZIP Code 32428

ZIP code 32428 is classified by USPS as a standard delivery area and covers roughly 728.5 square miles in Chipley, Washington County, Florida. The area is home to 17,412 residents, producing a population density of 24 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 32428 against Florida and the nation.

On the economic side, the median household income for ZIP 32428 sits at $57,493 (25% below the Florida average), while per-capita income is $26,681. The poverty rate stands at 15.7% and the unemployment rate at 3.5%. On housing, the median home value is $179,400 (52% below the state average) with median rent at $877 per month, and 80.2% of occupied units are owner-occupied, a direct signal of whether 32428 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 12.8% of adults hold a bachelor's degree or higher, the median age is 41.8, and the average commute is 35 minutes. We also surface 2 nearby ZIP codes within roughly 10 miles and 4 additional ZIPs sharing Washington County, so you can benchmark 32428 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →