Residential delivery area · Florida
ZIP Code 32428: Chipley, FL
ZIP code 32428 uses the postal name Chipley, Florida and lies mostly in Washington County (97% of its land) with the rest in Bay County (Census 2020 ZIP-county file). About 18,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $57,493 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Chipley (2%) and Wausau (under 1%); 98% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Chipley · its only residential ZIP
- County
- Washington County (97%); Bay County (2%)
- Census places
- Chipley (2%); Wausau (under 1%)
- Metro area
- Panama City-Panama City Beach, FL
- House district
- FL-2 119th Congress
- State
- Florida
- Time zone
- Central
- Land area
- 285.9 sq mi · 63 people per sq mi
Where is ZIP code 32428?
32428 centers on 30.616°, -85.573° and covers 285.9 square miles of land plus 14.3 of water. It borders 9 ZIP codes: 32463, 32420, 32438, 32431, 32462, 32466, 32425, 32409, 32440.
The map draws ZIP code areas only. For the streets inside 32428, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 32428 compare with the rest of Washington County?
| Measure | 32428 | In Washington County | In FL |
|---|---|---|---|
| People (ACS 2020-2024) | 17,950 | 1st of 9 | 547th of 1,013 |
| Median household income | $58k | 2nd of 5 | 662nd of 819 |
| Median home value | $179k | 2nd of 3 | 765th of 833 |
Its median household income is higher than in 25% of U.S. residential ZIP codes, and it is denser than 46% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 32428?
The 2020 Census counted 17,946 people in 32428; the ACS, which samples households over 2020-2024, estimates 17,950. Between the 2010 and 2020 censuses its population grew 3.1% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 17,950
- 2020 Census count
- 17,946+3.1% since 2010 (17,412)
- Households
- 6,221
- Median age
- 41.8
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 32428?
Of the 17,950 people the ACS estimates in 32428, 20.8% are under 18 and 17.5% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (75.1%), then Black (not Hispanic) (14.2%).
- Under 1820.8%
- 18 to 6461.8%
- 65 and older17.5%
- White, not Hispanic75.1%
- Black, not Hispanic14.2%
- Other or two or more6.0%
- Hispanic or Latino4.0%
- Asian, not Hispanic0.7%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 32428 earn?
Median household income is $57,493 (ACS 2020-2024), the 2nd highest of the 5 ranked ZIP codes in Washington County. It rose from $47,004 in 2015-2019 (in 2024 dollars), a change larger than the surveys' margins of error.
- Median household income
- $57,493±$7,258
- Income per person
- $26,681
- Below the poverty line
- 15.7%
- Unemployed (of the labor force)
- 3.5%
- Adults 25+ with a bachelor's degree
- 12.8%
- Adjusted gross income per tax return, 2022
- $60,4226,780 returns; wages 68% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 32428?
FHFA's house price index for 32428, built from repeat sales and appraisals of the same homes, rose 104% from 2015 to 2025 and rose 53% from 2020 to 2025, and moved +7.1% in 2025.
- Median home value (owners' estimate)
- $179,400
- Median gross rent
- $877
- Homes owned by their occupants
- 80.2%
- Housing units
- 7,395
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 32428?
357 business establishments had a location in this ZIP code in 2023, 30 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade53
- Construction50
- Other services (except public administration)46
- Accommodation and food services37
- Professional, scientific, and technical services36
- Health care and social assistance34
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 32428?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 32463 | Wausau | 128 | $65k | 1.2 mi |
| 32420 | Alford | 2,159 | $48k | 11.5 mi |
| 32438 | Fountain | 4,815 | $50k | 11.8 mi |
| 32431 | Cottondale | 4,683 | $55k | 15.3 mi |
| 32462 | Vernon | 3,920 | $51k | 15.4 mi |
| 32466 | Youngstown | 5,916 | $60k | 17.0 mi |
| 32425 | Bonifay | 13,942 | $47k | 18.6 mi |
| 32409 | Panama City | 11,113 | $65k | 20.7 mi |
| 32440 | Graceville | 8,253 | $59k | 21.4 mi |
| 32427 | Caryville | 1,030 | $63k | 14.6 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.