Chipley, FL
Population 3,678 · Florida
About Chipley, FL
Chipley is a small town located in Florida with a population of 3,678 residents according to the latest US Census Bureau American Community Survey data. The median household income is $34,311 per year, which is 54% below the national median of $75,149. The median age of 33 years is notably younger the US median age of 38.9 years, indicating a younger, often more dynamic population base.
Housing Market Overview
The housing market in Chipley features a median home value of $132,800, which is 46% below the national median of $244,900. This makes Chipley one of the more affordable markets in the country, potentially attractive for first-time homebuyers. Median monthly rent is $819, 30% below the national average of $1,163/month. Of the 1,823 total housing units, 67% are owner-occupied (1,042 units) and 33% are renter-occupied (521 units). The balanced mix of owners and renters indicates a diverse housing market.
Economy & Employment
The local economy in Chipley shows an unemployment rate of 3.3%, which is lower than the national rate of 3.7%, indicating a relatively strong job market. The poverty rate stands at 18.4%, above the national average of 12.4%. Workers in Chipley have an average one-way commute time of 29.8 minutes.
Education & Demographics
18.1% of Chipley residents aged 25 and older hold a bachelor's degree or higher, compared to the national average of 33.7%. The lower educational attainment rate may reflect the area's industry mix, with more employment in trades, manufacturing, or agricultural sectors. The community's demographic composition includes 2.2% White, 0.6% Hispanic or Latino, 1.0% Black or African American, and 4.1% Asian residents, with 5.5% of the population being foreign-born.
Cost of Living in Chipley, FL
Compared to national averages, Chipley has a median household income of $34,311 (54% below the national median of $75,149). Home values average $132,800, which is 46% below the national median. Monthly rent at $819 is 30% below the US average of $1,163. Within Florida, Chipley's income is 55% below the state average of $75,893, and home values are 62% below the state median of $353,675.
Why Live in Chipley, FL?
Chipley offers affordable housing with a median home value of $132,800, below the US average of $244,900, and rent that’s lower than the national average at $819/month, and a strong job market with an unemployment rate of just 3.3%.
Potential considerations include median household income ($34,311) that falls below the national average. However, Chipley’s smaller community size offers a quieter lifestyle and tight-knit neighborhoods.
Chipley has a population of 3,678 with a median age of 33 years. Compare Chipley with other cities to see how it stacks up, or explore all cities in Florida.
Similar Cities Near Chipley
Cities in Florida with a similar population size.
| City | Population | Median Income | Home Value | |
|---|---|---|---|---|
| Montura | 3,678 | $33,438 | $126,400 | Compare |
| Indian Rocks Beach | 3,667 | $98,279 | $707,700 | Compare |
| North River Shores | 3,655 | $73,635 | $314,100 | Compare |
| Watergate | 3,709 | $72,641 | $214,200 | Compare |
| Hill 'n Dale | 3,722 | $52,452 | $117,000 | Compare |
| High Point | 3,618 | $48,768 | $175,100 | Compare |
| Point Baker | 3,757 | $61,442 | $207,600 | Compare |
| Lely | 3,770 | $65,029 | $290,400 | Compare |
Demographics
Racial & Ethnic Composition
Economy & Education
Housing
Other Cities in Florida
Data source: US Census Bureau ACS 5-Year Estimates. Last updated: 2026-04-05.
Compare Chipley With Other Cities
Frequently Asked Questions about Chipley
What is the population of Chipley, FL?
The population of Chipley, FL is 3,678 according to the latest US Census Bureau American Community Survey estimates. This makes it a small town in Florida.
What is the median household income in Chipley?
The median household income in Chipley, FL is $34,311 per year, which is 54% below the national median of $75,149.
What is the median home value in Chipley?
The median home value in Chipley, FL is $132,800, which is 46% below the national median of $244,900. The majority of housing units are owner-occupied.
What is the average rent in Chipley?
The median monthly rent in Chipley, FL is $819, which is 30% below the national average of $1,163/month.
What is the unemployment rate in Chipley?
The unemployment rate in Chipley, FL is 3.3%, compared to the national average of 3.7%. This lower-than-average rate suggests a relatively healthy local job market.
Is Chipley, FL a good place to live?
Chipley offers a moderate cost of living, affordable housing, and a strong job market. With a population of 3,678 and a median age of 33, the city appeals to young professionals and families.
How educated is Chipley, FL?
18.1% of residents in Chipley aged 25 and older hold a bachelor's degree or higher, compared to the national average of 33.7%. The educational profile reflects the area's industry mix and employment landscape.
What is the cost of living in Chipley?
Key cost-of-living indicators for Chipley, FL: median home value is $132,800 (46% below national), median rent is $819/month, and median household income is $34,311. The home-value-to-income ratio is 3.9x, a moderate figure by national standards.
What is the poverty rate in Chipley?
The poverty rate in Chipley, FL is 18.4%, compared to the national average of 12.4%. Residents and prospective movers should be aware of the economic challenges facing parts of this community.
How diverse is Chipley, FL?
Chipley's population is 2.2% White, 0.6% Hispanic or Latino, 1.0% Black or African American, 4.1% Asian, and 27.7% two or more races. 5.5% of residents are foreign-born.