Median Income
$34,311
54% lower than US avg
Home Value
$132,800
53% lower than US avg
Violent Crime
729/100K
92% 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
Ownership66.7%
Zillow$218,775
Housing Units1,658
Rent Burden34.0%
Crime
F
Violent729/100K
Property3,224/100K
Murder0.0/100K
Assault533/100K
Burglary364/100K
Health
Obesity40.7%
Uninsured14.8%
Smoking18.5%
Depression21.2%
Heart Disease6.7%
Climate
Avg Temp68°F (20°C)
AQI41 (Good)
Rain60.8 in/yr
Sunny Days313/yr
Elevation131 ft (40 m)
Education
C
Bachelor's+18.1%
High School+82.8%
Graduate+7.3%
School Score5.52
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, abundant sunshine. Areas to be aware of include elevated crime rates, an elevated poverty rate, a high uninsured rate. 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
With 729 violent crimes per 100,000 residents, public safety is a notable concern / this is significantly above the national average of 380. Property crime occurs at a rate of 3,224 per 100,000, 64% 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 5.5/10.
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. With 313 sunny days per year, residents enjoy well above the national average of sunshine. 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, spread across 4.2 square miles. The median age is 33.0 years, 15% younger than the national median of 38.9. The gender split is 61.1% female and 38.9% male. The city is predominantly White (61.1%), with 27.7% Black. English is the primary language spoken at home by 83.8% of residents, while 16.2% speak Spanish. 10.3% of the population are veterans, above the national rate of 6.0%. 15.0% of residents have a disability. 81.8% have health insurance coverage.
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. Per capita income is $24,442 (below the $39,052 national figure). The average weekly wage is $876, 39% lower than the U.S. average. The unemployment rate is 1.9% (below the 3.6% US average). 16.3% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 552 business establishments, including 41 restaurants. The cost of living index is 103.4, roughly in line with the national average. Workers commute an average of 30 minutes. 2.0% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $34,311 |
| 54% below US avg |
| Per Capita Income | $24,442 |
| Avg Weekly Wage | $876 |
| IRS Avg AGI | $55,132 |
| Gini Index | 0.438 (0=equal, 1=unequal) |
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 |
| Cost of Living | 103.40 (100=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 median of $281,900. Zillow estimates the typical home value at $218,775, higher than the Census estimate. Monthly rent averages $819 (30% below the national average of $1,163). Fair market rent ranges from $1,296 for a one-bedroom to $1,526 for a two-bedroom apartment. 66.7% of housing units are owner-occupied. There are 1,658 total housing units in the city. The median year a home was built is 1965. The average annual property tax is $2,583 (lower than the $3,500 national average). 34.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.9x.
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
| Homeownership | 66.7% |
| Owner-Occupied | 66.7% |
| Renter-Occupied | 33.3% |
| Housing Units | 1,658 |
| Median Year Built | 1965 |
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 national rate of 32.1%. 13.0% have diabetes (above the 10.5% national rate). Heart disease affects 6.7% of residents, above the national average. 38.2% have high blood pressure. 18.5% are current smokers (above the 14.0% national rate). 14.4% report binge drinking. 30.5% are physically inactive, above the national average. 21.2% report depression. 21.1% experience frequent mental distress. 14.8% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:3,179. The dentist ratio is 1:3,177. 61.3% of residents have access to exercise opportunities. The food environment index is 5.5 out of 10.
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% |
| Cancer | 7.2% |
| Stroke | 3.9% |
Behaviors & Mental Health
| Smoking | 18.5% |
| 32% above US avg |
| Binge Drinking | 14.4% |
| Physical Inactivity | 30.5% |
| Depression | 21.2% |
| Mental Distress | 21.1% |
| Physical Distress | 15.9% |
| Short Sleep | 44.4% |
Healthcare Access
| Insurance Rate | 81.8% |
| Uninsured | 14.8% |
| 72% above US avg |
| Primary Care | 1:3,179 |
| Dentists | 1:3,177 |
| Mental Health | 1:2,845 |
| Checkup Rate | 75.5% |
| Dental Visits | 46.9% |
| 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 729 per 100,000 residents, 92% above the national average of 380. This breaks down to aggravated assault at 532.7 per 100,000, robbery at 140.2, rape at 56.1. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 3,224 per 100,000, 64% above the U.S. average. This includes larceny/theft at 2,467, burglary at 364, vehicle theft at 392 per 100,000 residents. The county recorded 5 fatal traffic crashes. Overall, Chipley receives a safety grade of F.
Crime Rates: Chipley vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 728.9/100K |
| 92% above US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 56.1/100K |
| Robbery | 140.2/100K |
| Assault | 532.7/100K |
Property Crime
| Total Property | 3,224.0/100K |
| 64% above US avg |
| Burglary | 364.5/100K |
| Theft | 2,467.1/100K |
| Vehicle Theft | 392.5/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 5 |
| Traffic Accidents | 492 |
| Avg Accident Severity | 2.2 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Chipley enjoys a temperate climate with an average annual temperature of 68°F (20°C). Winters average 51°F in January while summers reach 83°F in July. The area gets 313 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 60.8 inches (wetter than the 38-inch national average). Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 131 feet.
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) |
| Sunny Days | 313 days/yr |
Geography
| Elevation | 131 ft (40 m) |
| Area | 4.2 sq mi (10.8 km²) |
| Population Density | 836/sq mi |
| Coordinates | 30.7756°N, 85.5401°W |
| Timezone | America/New_York |
| County | Washington County County |
| Nearest Airport | Northwest Florida Beaches International (ECP)
33 miles away |
Precipitation & Snow
Annual Rainfall
60.8"
60% above US avg
Wettest Month (Jul)
7.05"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 59.5 / 100 |
| Social Vulnerability | 53.1 / 100 |
| Community Resilience | 17.9 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Relatively Moderate |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Very Low |
| Lightning |
Relatively Moderate |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
| Coastal Flood |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Hurricane History
14 hurricanes (Cat 1+) within 500 km since 1980.
Strongest: Category 5. Most recent: Helene (2024, Cat 4).
| Year |
Name |
Category |
Closest |
| 2024 |
Helene |
Category 4 |
195 km |
| 2024 |
Debby |
Category 1 |
227 km |
| 2023 |
Idalia |
Category 4 |
210 km |
| 2020 |
Sally |
Category 2 |
178 km |
| 2018 |
Michael |
Category 5 |
65 km |
| 2016 |
Hermine |
Category 1 |
157 km |
| 2005 |
Dennis |
Category 4 |
155 km |
| 2004 |
Ivan |
Category 4 |
216 km |
| 1998 |
Earl |
Category 2 |
77 km |
| 1997 |
Danny |
Category 1 |
230 km |
| 1995 |
Opal |
Category 4 |
123 km |
| 1995 |
Erin |
Category 2 |
149 km |
| 1985 |
Elena |
Category 3 |
157 km |
| 1985 |
Kate |
Category 2 |
77 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
623 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 32 fatalities, 657 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Mar 1, 2007 |
EF4 |
67 km |
9 |
| Jan 9, 2024 |
EF3 |
74 km |
0 |
| Mar 31, 2022 |
EF3 |
16 km |
2 |
| Mar 22, 2005 |
EF3 |
67 km |
1 |
| Nov 25, 1986 |
EF3 |
77 km |
0 |
| May 16, 1983 |
EF3 |
77 km |
0 |
| Dec 30, 1973 |
EF3 |
76 km |
0 |
| Dec 29, 1973 |
EF3 |
70 km |
0 |
| Dec 29, 1973 |
EF3 |
66 km |
0 |
| Jan 13, 1972 |
EF3 |
93 km |
0 |
| Sep 17, 1971 |
EF3 |
93 km |
0 |
| Dec 28, 1968 |
EF3 |
87 km |
0 |
| Dec 10, 1967 |
EF3 |
66 km |
0 |
| Dec 10, 1967 |
EF3 |
79 km |
1 |
| May 10, 2024 |
EF2 |
89 km |
0 |
| Jan 9, 2024 |
EF2 |
71 km |
0 |
| Jan 9, 2024 |
EF2 |
11 km |
1 |
| Jan 9, 2024 |
EF2 |
60 km |
0 |
| Jan 9, 2024 |
EF2 |
31 km |
0 |
| Jun 14, 2023 |
EF2 |
86 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: BERTHA SWAMP RD (23,036 ac, 2022).
| Year |
Name |
Acres |
Distance |
| 2022 |
BERTHA SWAMP RD |
23,036 |
62 km |
| 2009 |
UNNAMED |
11,445 |
96 km |
| 2011 |
UNNAMED |
8,424 |
84 km |
| 2013 |
UNNAMED |
8,012 |
100 km |
| 2009 |
UNNAMED |
7,968 |
93 km |
| 2009 |
UNNAMED |
7,683 |
99 km |
| 2020 |
VILAS |
7,663 |
90 km |
| 2008 |
UNNAMED |
7,660 |
94 km |
| 2018 |
FIREBREAK 56 (23) |
7,530 |
92 km |
| 2010 |
UNNAMED |
7,430 |
94 km |
| 1999 |
UNNAMED |
7,415 |
92 km |
| 2006 |
UNNAMED |
7,252 |
87 km |
| 2022 |
ANF BU 2/BU 9 RX 0128 |
7,208 |
88 km |
| 1998 |
UNNAMED |
7,052 |
98 km |
| 2020 |
UNNAMED |
6,827 |
98 km |
| 2014 |
BURN UNIT 061 |
6,812 |
98 km |
| 2024 |
ANF BU 65 66 RX 0320 |
6,771 |
92 km |
| 2021 |
BU 64/65 |
6,678 |
92 km |
| 2015 |
TIGER CREEK FIRE |
6,585 |
94 km |
| 2008 |
UNNAMED |
6,185 |
86 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
51°F (11°C) |
5.1 in |
Coldest |
| February |
53°F (11°C) |
5.2 in |
|
| March |
59°F (15°C) |
5.5 in |
|
| April |
65°F (19°C) |
3.7 in |
|
| May |
73°F (23°C) |
4.0 in |
|
| June |
79°F (26°C) |
5.8 in |
|
| July |
83°F (28°C) |
7.1 in |
Warmest, Wettest |
| August |
80°F (27°C) |
5.9 in |
|
| September |
77°F (25°C) |
4.8 in |
|
| October |
68°F (20°C) |
3.1 in |
Driest |
| November |
59°F (15°C) |
3.5 in |
|
| December |
52°F (11°C) |
4.4 in |
|
Chipley has a seasonal temperature swing of 32°F / from 51°F in January to 83°F in July. Total annual precipitation is 58.1 inches, with July being the wettest month (7.1") and October the driest (3.1").
Average costs for common services in Chipley. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$259 ($155–$414) |
| Specialist Visit |
$362 ($207–$569) |
| Urgent Care Visit |
$207 ($103–$362) |
| Emergency Room Visit |
$2,275 ($827–$5,170) |
| Dental Cleaning |
$134 ($78–$207) |
| Dental Filling |
$259 ($155–$414) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$47 ($26–$78) |
| Oil Change (Synthetic) |
$78 ($52–$124) |
| Brake Pad Replacement |
$310 ($155–$517) |
| Tire Rotation |
$41 ($21–$78) |
| New Tires (Set of 4) |
$620 ($414–$1,034) |
| Battery Replacement |
$207 ($103–$362) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$103 ($62–$155) |
| Electrician (Per Hour) |
$93 ($52–$145) |
| HVAC Repair |
$414 ($155–$827) |
| HVAC System Install |
$7,238 ($4,136–$12,408) |
| Roof Repair |
$1,034 ($414–$2,068) |
| Roof Replacement |
$9,306 ($5,687–$15,510) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,551 ($517–$3,619) |
| Divorce (Contested) |
$15,510 ($5,170–$31,020) |
| DUI Defense |
$5,170 ($2,068–$10,340) |
| Bankruptcy (Chapter 7) |
$1,551 ($827–$3,102) |
| Will Preparation |
$517 ($207–$1,034) |
| Trust Preparation |
$2,585 ($1,034–$5,170) |
View all 12 services
Personal Care
| Men's Haircut |
$26 ($16–$47) |
| Women's Haircut |
$57 ($31–$103) |
| Hair Coloring (Full) |
$155 ($78–$259) |
| Manicure |
$26 ($16–$47) |
| Pedicure |
$41 ($26–$67) |
| Massage (1 Hour) |
$83 ($52–$134) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.24 ($3.10–$5.69) |
| Dozen Eggs (per dozen) |
$3.62 ($2.59–$5.17) |
| Loaf of Bread |
$3.93 ($2.59–$5.69) |
| Chicken Breast (per lb) |
$4.65 ($3.10–$6.72) |
| Ground Beef (per lb) |
$5.69 ($4.14–$7.76) |
| Rice (per lb) |
$1.03 ($0.62–$1.86) |
View all 20 services
Utilities
| Electricity (Monthly) |
$145 ($83–$259) |
| Natural Gas (Monthly) |
$72 ($31–$155) |
| Water/Sewer (Monthly) |
$72 ($41–$124) |
| Internet (Monthly) |
$72 ($41–$103) |
| Cell Phone Plan (Monthly) |
$67 ($31–$103) |
| Cable TV (Monthly) |
$88 ($52–$155) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$207 ($78–$517) |
| Car Insurance (Annual) |
$2,068 ($1,241–$3,619) |
| Bus Pass (Monthly) |
$72 ($31–$134) |
| Taxi/Uber (5-Mile Ride) |
$16 ($8.27–$26) |
| Car Registration (Annual) |
$103 ($31–$259) |
| Driver's License Renewal |
$31 ($16–$78) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,241 ($620–$2,585) |
| Daycare (Toddler, Monthly) |
$1,034 ($517–$2,068) |
| After-School Care (Monthly) |
$414 ($207–$724) |
| Tutoring (Per Hour) |
$52 ($26–$103) |
| SAT/ACT Prep Course |
$1,034 ($414–$2,585) |
| Private School (K-12, Annual) |
$12,925 ($5,170–$31,020) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$62 ($31–$103) |
| Dog Vaccination (Annual) |
$103 ($52–$207) |
| Dog Grooming |
$62 ($31–$103) |
| Pet Boarding (Per Night) |
$41 ($21–$78) |
| Dog Spay/Neuter |
$310 ($155–$517) |
| Cat Spay/Neuter |
$207 ($103–$414) |
View all 9 services
Frequently Asked Questions About Chipley
What is the population of Chipley?
Chipley has a population of 3,678 residents and is located in Florida. The population density is 836 people per square mile, spread across 4.2 square miles. The median age of residents is 33.0 years, which is younger than the national median of 38.9 years. The population is 61.1% female and 38.9% male.
Is Chipley expensive to live in?
Chipley has a cost of living roughly in line with the national average, with an index of 103.4 (baseline: 100). The median household income is $34,311, 54% below the national average of $75,149. The median home value is $132,800 (53% below the U.S. median). Renters pay a median of $819 per month, below the national average of $1,163. The home price-to-income ratio is 3.9x, indicating housing is reasonably affordable relative to local income levels.
Is Chipley safe?
Public safety is a concern in Chipley, with a violent crime rate of 729 per 100,000 / significantly above the national average of 380. However, crime tends to concentrate in certain areas, and many neighborhoods remain relatively safe. Property crime occurs at a rate of 3,224 per 100,000 (above the national average). Overall, Chipley receives a safety grade of F based on combined crime data.
What is the weather like in Chipley?
Chipley enjoys a temperate climate with an average annual temperature of 68°F (20°C). Winter temperatures average 51°F in January, while summers reach an average of 83°F in July. The area receives 313 sunny days per year, well above the national average of 205. Annual rainfall totals 60.8 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Chipley?
The job market in Chipley is very strong, with unemployment at just 1.9% / well below the national rate of 3.6%. The average weekly wage is $876. There are 552 business establishments in the area, including 41 restaurants and food service locations. The average commute time is 30 minutes, and 2.0% of workers work from home.
How much does housing cost in Chipley?
The median home value in Chipley is $132,800. Zillow estimates the typical home value at $218,775. For renters, the median monthly rent is $819. Fair market rent is $1,296 for a 1-bedroom and $1,526 for a 2-bedroom apartment. The homeownership rate is 66.7%. The average annual property tax is $2,583.
How are the schools in Chipley?
Schools in Chipley score 5.5 out of 10 on standardized testing, near the national average. 18.1% of adults in Chipley hold a bachelor's degree or higher, below the national average of 33.7%. 82.8% have completed high school. 7.3% hold a graduate or professional degree.
How healthy is Chipley?
The obesity rate in Chipley is 40.7% (above the national rate of 32.1%). 18.5% of adults are smokers. 30.5% are physically inactive. 21.2% of residents report depression. 14.8% lack health insurance (above the national rate). 61.3% of residents have access to exercise opportunities. The primary care physician ratio is 1:3,179.
What is transportation like in Chipley?
The average commute in Chipley is 30 minutes. 85.8% of workers drive alone to work, and 2.0% work from home.
What are the demographics of Chipley?
The racial and ethnic makeup of Chipley is 61.1% White, 27.7% Black or African American, 0.6% Hispanic or Latino. 83.8% of residents speak only English at home, while 16.2% speak Spanish. 10.3% of the population are military veterans. 15.0% of residents have a disability. 81.8% have health insurance coverage.
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