Chipley, FL demographics:
population, income, and more

Total population
3,683
0.1% year-over-year change
Median household income
$46,193/yr
34.6% year-over-year change
Housing units
1,796
-1.5% year-over-year change

Chipley population

How many people live in Chipley

Chipley is home to 3,683 residents, according to the most recent Census data. Gender-wise, 43.3% of Chipley locals are male, and 56.7% are female.

Total population
3,683
0.1% year-over-year change
Gender ratio
Male
43.3%
1,594
Female
56.7%
2,089
Value Percent YoY change
Male 1,594 43.3% 11.3%
Female 2,089 56.7% -7.0%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Chipley is 38, with the population distributed as follows: about 20.5% are children under 15, then 8.7% are in the 15 to 24 age group. Adults between 25 and 44 make up 32.1% of the population, while another 21.9% fall into the 45 to 64 bracket. Finally, around 16.7% are 65 or older.

Median age
37.9
Age breakdown
Under 15
20.5%
15 to 24
8.7%
25 to 44
32.1%
45 to 64
21.9%
Over 65
16.7%
Value Percent YoY change
Under 15 756 20.5% -13.8%
15 to 24 321 8.7% 6.6%
25 to 44 1,183 32.1% 7.9%
45 to 64 807 21.9% -5.6%
Over 65 616 16.7% 12.2%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Chipley, 95.9% of the population are US-born citizens, while 0.4% have gained naturalized citizenship. At the same time, 3.7% of residents are non-citizens. There’s also a share of 5.3% that includes residents with two or more races.

Citizenship
U.S.-born citizens
95.9%
Non-U.S.-born citizens
0.4%
Non-citizens
3.7%
Value Percent YoY change
U.S.-born citizens 3,532 95.9% 2.7%
Non-U.S.-born citizens 16 0.4% -70.4%
Non-citizens 135 3.7% -27.4%
Racial breakdown
White
57.9%
Black or African American
35.1%
American Indian and Alaska Native
0%
Asian
0%
Native Hawaiian and other Pacific Islander
0%
Two or more races
5.3%
Other
1.7%
Value Percent
White 2,133 57.9%
Black or African American 1,292 35.1%
Two or more races 195 5.3%
Other 63 1.7%

Households in Chipley

A peek inside Chipley households

Chipley has 1,512 households, with an average of 2 members in each. Of these, 65.7% are families, while the remaining 34.3% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
1,512
-3.3% year-over-year change
Average people per household
2
Non-family households
519
Family households
993
Value Percent YoY change
Non-family households 519 34.3% -17.0%
Family households 993 65.7% 5.9%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Chipley

The housing landscape of Chipley

Chipley's housing consists of 1,796 units, with 66.3% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 4.8% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 12.8% of the housing landscape.

Housing units
1,796
-1.5% year-over-year change
Housing types
Value Percent
1 unit, detached 1,191 66.3%
1 unit, attached 86 4.8%
2 units 143 8%
3 or 4 units 117 6.5%
20 to 49 units 29 1.6%
Mobile home 230 12.8%
Homes built since 2020
0
% year-over-year change

The age of buildings in Chipley

In Chipley, the median construction year is 1972. About 6.9% of homes were built before the 1940s, with another 6.4% going up by 1949. Most development happened in the second half of the 20th century.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 124 6.9% -21.5%
Built between 1940 and 1949 115 6.4% -28.1%
Built between 1950 and 1959 274 15.3% 13.7%
Built between 1960 and 1969 302 16.8% -10.4%
Built between 1970 and 1979 357 19.9% -31.7%
Built between 1980 and 1989 169 9.4% -10.6%
Built between 1990 and 1999 106 5.9% 103.8%
Built between 2000 and 2009 261 14.5% 128.9%
Built between 2010 and 2019 88 4.9% 79.6%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Chipley occupancy rates

Out of the 1,512 occupied housing units in Chipley, 65.7% are owner-occupied, while 34.3% are lived in by tenants. Meanwhile, 15.8% of all homes on the local market sit vacant.

Occupied housing units
1,512
-3.3% year-over-year change
Occupancy breakdown
Renter occupied
519
Owner occupied
993
Value Percent YoY
change
Renter occupied 519 34.3% -0.4%
Owner occupied 993 65.7% -4.7%
Unoccupied housing units
15.8%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Chipley housing costs

Housing costs in Chipley come to a median of $817 per month, while tenants specifically pay a median gross rent of $761.

Median housing costs per month
$817/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Chipley
$761/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Chipley

Chipley education at a glance

About 42.7% of the population in Chipley went to high school, while 20.1% pursued college studies. Another 15% earned an associate degree and 9.6% hold a bachelor’s. Meanwhile, 6.6% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 170 6% -17.5%
High school diploma 1,209 42.7% 6.0%
College diploma 570 20.1% -25.0%
Associate degree 426 15% 200.0%
Bachelor's degree 273 9.6% 7.5%
Graduate degree 186 6.6% -6.1%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Chipley

How much people earn in Chipley

The average annual household income in Chipley was $67,530 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +15.9% change from the previous year. At the same time, the median income stood at $46,193, reflecting a +34.6% shift over the same period.

Average household income in Chipley
$67,530/year
15.9% year-over-year change
Median household income in Chipley
$46,193/year
34.6% year-over-year change

Chipley income by age

In Chipley, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $63,224. Those with someone between 45 and 64 in charge, often well established professionally, earn $46,681 overall. Overall, 87.3% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $63,224 24.4%
45 - 64 $46,681 N/A
Over 65 $33,810 3.1%
Above poverty level
2,987
Below poverty level
435
Value Percent YoY
change
Above poverty level 2,987 87.3% 6.5%
Below poverty level 435 12.7% -24.1%

Average renter income in Chipley

To get a better sense of what renters earn on average in Chipley, their median household income was $25,000 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 36.5%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$25,000
Rent-to-income ratio
36.5%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Chipley

Workforce and job types in Chipley

The job market in Chipley is powered by 1,581 working residents, spread across a range of industries and roles. 68% of the working population are employed in professional or administrative positions, while 32% are in hands-on or service-based jobs. Also, 2.1% run their own businesses, 66% are employed by private companies, and 23.2% work in the public sector.

Workforce demographics

Working population
1,581
3.3% year-over-year change
White collar
1,075
Blue collar
506
Value Percent YoY change
White collar 1,075 68% -5.4%
Blue collar 506 32% 28.1%
Employer type
Self employees
2.1%
Private companies
66%
Governmental workers
23.2%
Not for profit companies
8.7%
Value Percent YoY change
Self employees 33 2.1% 17.9%
Private companies 1,044 66% 16.6%
Governmental workers 367 23.2% -24.6%
Not for profit companies 137 8.7% 13.2%
Unemployment rate
4.0%
25.0% year-over-year change

Available workforce

The unemployment rate in Chipley stands at 4%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Chipley

How people get around in Chipley

In Chipley, the average commute time is 30 minutes.

Commute time
30 min
Means of transportation
Value Percent YoY change
Car 1,565 96.7% 4.3%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Chipley by zipcode?

Zipcode Population Number of households Median income Average income
32428 17,950 6,221 $57,493 $72,798

Explore more communities

FAQs about Chipley demographics 

What is the total population of Chipley?

Chipley has a total population of 3,683 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +0.1% compared to a year ago.

What is the gender ratio in Chipley?

The gender ratio in Chipley is as follows:
  • 43.3% males (1,594 residents)
  • 56.7% females (2,089 residents)

What is the median age in Chipley?

The median age in Chipley is 37.9.

What is the age distribution of the population in Chipley?

The age distribution in Chipley is as follows:
  • Under 15: 20.5% (756 residents)
  • Ages 15-24: 8.7% (321 residents)
  • Ages 25-44: 32.1% (1,183 residents)
  • Ages 45-64: 21.9% (807 residents)
  • Over 65: 16.7% (616 residents)

What is the racial and ethnic makeup of Chipley?

The racial and ethnic makeup of Chipley is as follows:
  • White: 57.9% (2,133 residents)
  • Black or African American: 35.1% (1,292 residents)
  • American Indian and Alaska Native: 0% (0 residents)
  • Asian: 0% (0 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 5.3% (195 residents)
  • Other: 1.7% (63 residents)

What percentage of the population in Chipley are U.S.-born citizens?

U.S.-born citizens represent 95.9% of the population in Chipley.

How many housing units are there in Chipley?

There are 1,796 housing units in Chipley, reflecting a -1.5% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Chipley and what is the average household size?

Chipley has a total of 1,512 households, with an average of 2 people in each.

What is the median household income in Chipley?

Chipley has a median household income of $46,193, representing a +34.6% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Chipley?

The employment rate is 96% in Chipley, with a workforce of 1,581 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 68% (1,075 residents)
  • Blue-collar workers: 32% (506 residents)

Places of employment:
  • Self-employed: 2.1% (33 residents)
  • Private companies: 66% (1,044 residents)
  • Governmental workers: 23.2% (367 residents)
  • Not-for-profit companies: 8.7% (137 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025