PlainZIP

Chipley, FL · standard

ZIP Code 32428

Washington County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

17,412
24/sq mi
$57,493
Median income
$179,400
Median home value
12.8%
Bachelor's or higher

The verdict

Chipley pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.

25th pct
household income, US ZIPs
38th pct
home value, US ZIPs
24
people per sq mi
80%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32428 against every reporting US ZIP.

ZIP code 32428 is a mid-sized community (a standard USPS delivery area) in Chipley, Washington County, Florida, home to 17,412 residents across 728.5 square miles, a density of 24 people per square mile, in the Chicago time zone.

ZIP 32428 reports a modest median household income of $57,493 (25% below the Florida average), while per-capita income is $26,681. 15.7% of residents live below the poverty line, and the unemployment rate reads 3.5%. Housing costs here run $179,400 for a typical home value (52% below the state average), with rent averaging $877 a month; 80.2% of homes are owner-occupied.

Formal educational attainment runs low here: just 12.8% of adults hold a bachelor's degree or higher, the median age is 41.8, and the average commute is 35 minutes. Beyond these figures, 2 nearby ZIP codes within about 10 miles are surfaced below, along with 4 more sharing Washington County, letting you compare 32428 to its immediate surroundings rather than a national baseline alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 32428

Top 5 sectors by establishment count in Chipley, FL

Which industries have the most business establishments in ZIP 32428.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 32428, Chipley, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

17,412

Population

728.5

Area (sq mi)

24

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 32428?

41.8

Median Age

54.8%

Male

45.2%

Female

2.9%

Foreign-Born

White 76.6%
African American 14.3%
Asian 0.7%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.9%
Hispanic or Latino 4.0%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$57,493

Median Household Income

-25% vs state

$26,681

Per Capita Income

15.7%

Poverty Rate

3.5%

Unemployment Rate

35.3 min

Mean Commute Time

How ZIP 32428 ranks nationally

Chipley, FL household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$57,493 25th percentile higher than 25% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 52.8%
Bachelor's Degree or Higher 12.8%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

7,395

Total Housing Units

6,221

Occupied Units

1,174

Vacant Units

2.48

Avg Household Size

Occupancy Type

Owner 80.2%
Renter 19.8%

$179,400

Median Home Value

-52% vs state

$877

Median Rent

1990

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+0.7%

YoY Change (2024)

264

HPI Index (2000 = 100)

+164%

Total Change Since 2000

Home values in ZIP 32428 have increased 0.7% over the past year (2024). Since 2000, this ZIP has seen +164% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.5% 181
2021 +14.9% 208
2022 +13.0% 235
2023 +11.2% 262
2024 +0.7% 264

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 357 business establishments in ZIP 32428, employing approximately 3,429 people with a combined annual payroll of $139,076,000.

357

Businesses

3,429

Employees

$139.1M

Annual Payroll

17

Industry Sectors

Industry Establishments % of Total
Retail trade 53 14.8%
Construction 50 14.0%
Other services (except public administration) 46 12.9%
Accommodation and food services 37 10.4%
Professional, scientific, and technical services 36 10.1%
Health care and social assistance 34 9.5%
Finance and insurance 23 6.4%
Real estate and rental and leasing 17 4.8%
Administrative and support and waste management and remediation services 12 3.4%
Information 11 3.1%
Wholesale trade 9 2.5%
Manufacturing 7 2.0%
Transportation and warehousing 6 1.7%
Agriculture, forestry, fishing and hunting 4 1.1%
Arts, entertainment, and recreation 4 1.1%
Utilities 3 0.8%
Educational services 3 0.8%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 32428 vs 32463 →

ZIP 32428 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 32428 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 32428 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 32428 ranks #2 of 3 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
32463 Wausau, FL 114 1.4 mi
32438 Fountain, FL 4,060 11.7 mi

More ZIP Codes in Washington County

32462 standard
Vernon, FL
Pop: 3,412
32427 standard
Caryville, FL
Pop: 1,475
32437 standard
Ebro, FL
Pop: 679
32463 standard
Wausau, FL
Pop: 114

Related Areas

Washington County Chipley, FL Florida

Frequently Asked Questions

What county is ZIP code 32428 in? ▼
ZIP code 32428 (Chipley) is located in Washington County, Florida. Washington County contains multiple ZIP codes, see the full list at /counties/washington-fl.
What is the population of ZIP code 32428? ▼
ZIP code 32428 in Chipley, FL has a population of 17,412 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 32428? ▼
The median household income in ZIP 32428 is $57,493, which is 25% below the national average of $76,288.
What is the average home value in ZIP 32428? ▼
The median home value in ZIP 32428 is $179,400, which is 36% below the national average of $278,155.
What is the demographic makeup of ZIP 32428? ▼
The largest racial group in ZIP 32428 is White at 76.6%. Hispanic or Latino residents make up 4.0% of the population.
How many businesses are in ZIP code 32428? ▼
ZIP code 32428 has 357 business establishments employing approximately 3,429 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 32428? ▼
The top industries by establishment count in ZIP 32428 are: Retail trade (53), Construction (50), Other services (except public administration) (46). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 32428? ▼
According to the FHFA House Price Index, home values in ZIP 32428 increased by 0.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 164%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 32428? ▼
In ZIP code 32428, 52.8% of residents aged 25+ have a high school diploma or higher, and 12.8% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 32428? ▼
The mean commute time for workers in ZIP code 32428 is 35.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 32428? ▼
In ZIP code 32428, approximately 80.2% of occupied housing units are owner-occupied and 19.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 32428? ▼
The poverty rate in ZIP code 32428 is 15.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.