Median Income
$34,311
54% lower than US avg
Home Value
$132,800
53% lower than US avg
Violent Crime
421/100K
11% higher than US avg
Bachelor's+
18.1%
46% lower than US avg
Median Rent
$819
30% lower than US avg
Obesity Rate
40.7%
27% higher than US avg
Unemployment
1.9%
47% lower than US avg
Poverty Rate
16.3%
31% higher than US avg
How Chipley Compares to the U.S. Average (100% = U.S. avg)
People
Population3,678
Median Age33.0 yrs
Density836/mi²
Male / Female39% / 61%
Largest GroupWhite 61%
Veterans10.3%
Economy
B
Median Income$34,311
Per Capita$24,442
Unemployment1.9%
Poverty16.3%
County GDP$943M
Commute30 min
Housing
A+
Home Value$132,800
Rent$819
OwnershipN/A
Zillow$218,775
Rent Burden34.0%
Crime
F
Violent421/100K
Property3,282/100K
Murder0.0/100K
Assault337/100K
Burglary252/100K
Health
Obesity40.7%
UninsuredN/A
Depression21.2%
Heart Disease6.7%
Climate
Avg Temp68°F
AQI41 (Good)
Rain60.8 in/yr
Elevation131 ft
Education
C
Bachelor's+18.1%
High School+82.8%
School Score5.60
Community
2024 VoteR 82% / D 17%
Commute30 min
Broadband89.5%
EV Stations4
Libraries4
Is Chipley a Good Place to Live?
Based on current data, Chipley receives an overall livability score of 2.8 out of 5.0, earning a grade of C+. Key strengths include low unemployment, affordable housing. Areas to be aware of include an elevated poverty rate, below-average incomes, high obesity rates. Chipley has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Chipley is $34,311, 54% below the national average of $75,149. The job market is very strong with unemployment at just 1.9%. The poverty rate of 16.3% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 30 minutes.
Cost of Living & Housing
The median home value in Chipley is $132,800, 53% below the national median — offering relatively affordable homeownership. Renters pay a median of $819 per month, below the national average — a plus for affordability. A price-to-income ratio of 3.9x indicates a reasonably affordable housing market.
Safety & Crime
The violent crime rate of 421 per 100,000 is above the national average of 380 — something for prospective residents to consider. Property crime occurs at a rate of 3,282 per 100,000, 67% above the national average.
Education
18.1% of residents hold a bachelor's degree, below the national average of 33.7%. 82.8% have completed high school. Area schools have an average test score of 5.6/10.
Climate & Weather
Chipley enjoys a moderate climate with an average annual temperature of 68°F. Winters average 51°F in January while summers reach 83°F in July. Annual precipitation totals 60.8 inches. Air quality is rated Good with a median AQI of 41.
Chipley has a population of 3,678 with a density of 836 people per square mile. The median age is 33.0 years, 15% younger than the national median of 38.9. The city is predominantly White (61.1%), with 27.7% Black.
Population
33.0yrs
Median Age
15% below US avg
Language Spoken at Home
| English Only | 83.8% |
| 7% above US avg |
| Spanish | 16.2% |
| 21% above US avg |
The median household income in Chipley is $34,311, which is 54% below the national average of $75,149. The unemployment rate is 1.9% (below the 3.6% US average). 16.3% of residents live below the poverty line. Workers commute an average of 30 minutes.
Income
| Median HH Income | $34,311 |
| 54% below US avg |
| Per Capita Income | $24,442 |
| Avg Weekly Wage | $876 |
| IRS Avg AGI | $55,132 |
Employment & Poverty
| Unemployment | 1.9% |
| 47% below US avg |
| Poverty Rate | 16.3% |
| 31% above US avg |
| Establishments (County) | 552 |
| County GDP | $943M |
Business (County)
| Restaurants | 41 |
| Healthcare | 39 |
| Retail | 66 |
| Manufacturing | 12 |
Tax & Cost of Living
| Property Tax (IRS) | $2,583 |
| 26% below US avg |
| Effective Tax Rate | 1.95% |
Commute & Transportation
| Commute Time | 29.8 min |
| Drive Alone | 85.8% |
| Public Transit | 0.0% |
| Work from Home | 2.0% |
The median home value in Chipley is $132,800, 53% below the national average. Monthly rent averages $819 (30% below US avg). Zillow estimates the typical home value at $218,775.
Home Values
| Census Median | $132,800 |
| 53% below US avg |
| Zillow ZHVI | $218,775 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $819 |
| 30% below US avg |
| Rent Burden | 34.0% |
HUD Fair Market Rent
| Studio | $1,212 |
| 1 Bedroom | $1,296 |
| 2 Bedrooms | $1,526 |
| 3 Bedrooms | $1,971 |
| 4 Bedrooms | $2,261 |
Ownership & Property
Property Tax
| Avg Tax (IRS) | $2,583 |
| 26% below US avg |
| Effective Rate | 1.95% |
In Chipley, 40.7% of adults are obese (above the 32.1% national rate). 21.2% report depression. 30.5% are physically inactive.
Health Metrics: Chipley vs U.S. Average (%)
Chronic Conditions
| Obesity | 40.7% |
| 27% above US avg |
| Diabetes | 13.0% |
| Heart Disease | 6.7% |
| High Blood Pressure | 38.2% |
| Asthma | 11.2% |
| COPD | 8.7% |
| Stroke | 3.9% |
Behaviors & Mental Health
| |
| Binge Drinking | 14.4% |
| Physical Inactivity | 30.5% |
| Depression | 21.2% |
| Mental Distress | 21.1% |
| Physical Distress | 15.9% |
Healthcare Access
| Insurance Rate | 81.8% |
| |
| Checkup Rate | 75.5% |
| Premature Death | 10,978/100K |
Food & Exercise
| Food Environment | 5.5/10 |
| Exercise Access | 61.3% |
| Healthcare Facilities | 39 |
Chipley has a violent crime rate of 421 per 100,000 residents, 11% above the national average of 380. Property crime stands at 3,282 per 100,000 (67% above US avg). The murder rate is 0.0 per 100,000.
Crime Rates: Chipley vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 420.8/100K |
| 11% above US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 28.1/100K |
| Robbery | 56.1/100K |
| Assault | 336.6/100K |
Property Crime
| Total Property | 3,281.9/100K |
| 67% above US avg |
| Burglary | 252.5/100K |
| Theft | 2,973.4/100K |
| Vehicle Theft | 56.1/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 5 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Chipley has an average annual temperature of 68°F (20°C). Winters average 51°F in January while summers reach 83°F in July. Annual precipitation is 60.8 inches. Air quality is rated Good with a median AQI of 41.
Temperature
51°F Jan (11°C)
83°F Jul (28°C)
| Annual Average | 67.7°F |
| 25% above US avg |
| January Average | 51°F (11°C) |
| July Average | 83°F (28°C) |
Precipitation & Snow
| Annual Rainfall | 60.8 inches |
| 60% above US avg |
| Snowfall | 0.0 inches/yr |
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Geography
| Elevation | 131 ft (40 m) |
| Area | 4.4 sq mi (11.4 km²) |
| Population Density | 836/sq mi |
| Coordinates | 30.7756°N, 85.5401°W |
| County FIPS | 12133 |