32428 ZIP Code
Chipley, Florida
December 15, 2025
| ZIP Code: | 32428 |
| City/Town: | Chipley |
| County: | Washington |
| State: | Florida |
| ZIP Type: | Standard |
| Population: | 17,801 |
| Median Household Income: | $48,984 |
| Per Capita Income: | $31,981 |
| Total Housing Units: | 7,283 |
| Median Home Value: | $141,000 |
| Land Area: | 285.9 sq miles
740.5 sq km |
| Water Area: | 14.3 sq miles
37.0 sq km |
| Coordinates: | 30.6157, -85.5729 |
Population Information (32428 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 17,801 | -- | -- |
| Male: | 9,826 | 55.2% | 49.6% |
| Female: | 7,975 | 44.8% | 50.4% |
| Median Age: | 40.6 yrs | -- | 38.5 yrs |
| Under 5 years: | 758 | 4.3% | 5.7% |
| 5 to 9 years: | 987 | 5.5% | 6.0% |
| 10 to 14 years: | 1,340 | 7.5% | 6.5% |
| 15 to 19 years: | 1,084 | 6.1% | 6.6% |
| 20 to 24 years: | 766 | 4.3% | 6.7% |
| 25 to 34 years: | 2,536 | 14.2% | 13.7% |
| 35 to 44 years: | 2,385 | 13.4% | 12.9% |
| 45 to 54 years: | 2,633 | 14.8% | 12.4% |
| 55 to 59 years: | 1,517 | 8.5% | 6.5% |
| 60 to 64 years: | 1,005 | 5.6% | 6.4% |
| 65 to 74 years: | 1,703 | 9.6% | 9.7% |
| 75 to 84 years: | 816 | 4.6% | 4.8% |
| 85 years and over: | 271 | 1.5% | 2.0% |
Housing Information (32428 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $141,000 | -- | $281,900 |
| Median rooms: | 5.4 | -- | 5.5 |
| Median rent: | $915 / mo. | -- | $1,268 / mo. |
| Total housing units: | 7,283 | -- | -- |
| Occupied housing units: | 6,165 | 84.6% | 38.0% |
| Vacant housing units: | 1,118 | 15.4% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 4,860 | 78.8% | 64.8% |
| Renter-occupied: | 1,305 | 21.2% | 35.2% |
Educational Attainment (32428 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 12,866 | -- | -- |
| Less than 9th grade: | 628 | 4.9% | 4.7% |
| 9th to 12th grade, no diploma: | 1,424 | 11.1% | 6.1% |
| High school graduate: | 5,142 | 40.0% | 26.4% |
| Some college, no degree: | 2,950 | 22.9% | 19.7% |
| Associate degree: | 927 | 7.2% | 8.7% |
| Bachelor's degree: | 1,078 | 8.4% | 20.9% |
| Graduate or professional degree: | 717 | 5.6% | 13.7% |
| Percent high school graduate or higher: | -- | 84.1% | 89.1% |
| Percent bachelor's degree or higher: | -- | 14.0% | 34.3% |
Income Information (32428 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $48,984 / yr. | $75,149 / yr. |
| Mean household income: | $63,396 / yr. | $105,833 / yr. |
| Median family income: | $59,379 / yr. | $92,646 / yr. |
| Per capita income: | $31,981 / yr. | $41,261 / yr. |
Employment (32428 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 6,339 | -- | 63.5% |
| Employed: | 6,018 | 95.0% | 96.4% |
| Unemployed: | 317 | 5.0% | 5.3% |
| Not in labor force: | 8,077 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 4,230 | 70.3% | 79.7% |
| Government workers: | 1,397 | 23.2% | 14.2% |
| Self-employed: | 389 | 6.5% | 5.9% |
| Unpaid family workers: | 2 | 0.0% | 0.1% |
Race & Ethnicity (32428 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 14,025 | 78.8% | 61.6% |
| Black or African American: | 2,375 | 13.3% | 12.4% |
| American Indian/Alaska Native: | 90 | 0.5% | 1.1% |
| Asian: | 116 | 0.7% | 6.0% |
| Native Hawaiian/Pacific Islander: | 0 | 0.0% | 0.2% |
| Some other race: | 480 | 2.7% | 8.4% |
| Two or more races: | 715 | 4.0% | 10.2% |
| Hispanic or Latino (any race): | 774 | 4.3% | 18.7% |
| Mexican: | 972 | 5.5% | 11.2% |
| Puerto Rican: | 262 | 1.5% | 1.8% |
| Cuban: | 137 | 0.8% | 0.7% |
| Other Hispanic or Latino: | 211 | 1.2% | 5.0% |
| Not Hispanic or Latino: | 362 | 2.0% | 81.1% |
Income Distribution (32428 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 270 | 4.4% | 4.9% |
| $10,000 to $14,999: | 387 | 6.3% | 3.8% |
| $15,000 to $24,999: | 810 | 13.1% | 7.0% |
| $25,000 to $34,999: | 861 | 14.0% | 7.4% |
| $35,000 to $49,999: | 800 | 13.0% | 10.7% |
| $50,000 to $74,999: | 1,250 | 20.3% | 16.1% |
| $75,000 to $99,999: | 586 | 9.5% | 12.8% |
| $100,000 to $149,999: | 852 | 13.8% | 17.1% |
| $150,000 to $199,999: | 188 | 3.0% | 8.8% |
| $200,000 or more: | 161 | 2.6% | 11.4% |
Commute to Work (32428 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 4,945 | 82.2% | 67.8% |
| Carpooled: | 630 | 10.5% | 8.7% |
| Public transportation: | 7 | 0.1% | 4.2% |
| Walked: | 43 | 0.7% | 2.5% |
| Other means: | 20 | 0.3% | 0.9% |
| Worked from home: | 351 | 5.8% | 13.8% |
| Mean travel time to work: | 31.0 min | -- | 26.7 min |
Industry (32428 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 73 | 1.2% | 1.6% |
| Construction: | 855 | 14.2% | 6.9% |
| Manufacturing: | 305 | 5.1% | 10.0% |
| Wholesale trade: | 112 | 1.9% | 2.4% |
| Retail trade: | 915 | 15.2% | 11.0% |
| Transportation, warehousing, utilities: | 520 | 8.6% | 5.8% |
| Information: | 135 | 2.2% | 1.9% |
| Finance, insurance, real estate: | 339 | 5.6% | 6.7% |
| Professional, scientific, management: | 442 | 7.3% | 12.1% |
| Education, health care, social services: | 1,067 | 17.7% | 23.3% |
| Arts, entertainment, food services: | 339 | 5.6% | 9.0% |
| Other services: | 291 | 4.8% | 4.7% |
| Public administration: | 625 | 10.4% | 4.7% |
Poverty Status (32428 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 20.2% | 8.8% |
| All people below poverty level: | -- | -- | -- |
| Under 18 years: | -- | -- | 16.3% |
| 18 to 64 years: | -- | -- | 11.0% |
| 65 years and over: | -- | -- | 10.3% |
Health Insurance (32428 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 12,967 | 72.8% | 91.3% |
| Private health insurance: | 8,902 | 50.0% | 67.6% |
| Public health coverage: | 6,316 | 35.5% | 35.9% |
| Without health insurance: | 2,194 | 12.3% | 8.7% |
Benefits & Assistance (32428 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 4,205 | 68.2% | 77.4% |
| Social Security income: | 2,385 | 38.7% | 31.0% |
| Retirement income: | 1,520 | 24.7% | 21.8% |
| Supplemental Security Income (SSI): | 344 | 5.6% | 4.5% |
| Cash public assistance income: | 207 | 3.4% | 1.8% |
| SNAP (food stamps) benefits: | 787 | 12.8% | 11.4% |
Housing Types (32428 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 4,484 | 61.6% | 61.4% |
| 1-unit, attached: | 121 | 1.7% | 6.1% |
| 2 units: | 122 | 1.7% | 3.4% |
| 3 or 4 units: | 93 | 1.3% | 4.3% |
| 5 to 9 units: | 34 | 0.5% | 4.6% |
| 10 to 19 units: | 14 | 0.2% | 4.3% |
| 20 or more units: | 69 | 0.9% | 9.9% |
| Mobile home: | 2,334 | 32.0% | 5.8% |
| Boat, RV, van, etc.: | 12 | 0.2% | 0.1% |
Year Structure Built (32428 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 4 | 0.1% | 0.6% |
| Built 2010 to 2019: | 515 | 7.1% | 8.2% |
| Built 2000 to 2009: | 1,100 | 15.1% | 13.5% |
| Built 1990 to 1999: | 1,419 | 19.5% | 13.2% |
| Built 1980 to 1989: | 1,119 | 15.4% | 13.2% |
| Built 1970 to 1979: | 1,220 | 16.8% | 14.6% |
| Built 1960 to 1969: | 718 | 9.9% | 10.2% |
| Built 1950 to 1959: | 529 | 7.3% | 9.9% |
| Built 1940 to 1949: | 259 | 3.6% | 4.6% |
| Built 1939 or earlier: | 400 | 5.5% | 12.0% |
Bedrooms (32428 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 40 | 0.5% | 2.4% |
| 1 bedroom: | 111 | 1.5% | 3.0% |
| 2 bedrooms: | 1,717 | 23.6% | 9.1% |
| 3 bedrooms: | 4,518 | 62.0% | 15.9% |
| 4 bedrooms: | 761 | 10.4% | 18.8% |
| 5 or more bedrooms: | 136 | 1.9% | 17.6% |
Heating Fuel (32428 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 197 | 3.2% | 47.1% |
| Bottled, tank, or LP gas: | 229 | 3.7% | 4.9% |
| Electricity: | 5,607 | 90.9% | 40.2% |
| Fuel oil, kerosene, etc.: | 0 | 0.0% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 48 | 0.8% | 1.5% |
| Solar energy: | 0 | 0.0% | 0.1% |
| Other fuel: | 0 | 0.0% | 0.5% |
| No fuel used: | 84 | 1.4% | 0.2% |
Vehicles Available (32428 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 184 | 3.0% | 8.3% |
| 1 vehicle available: | 2,005 | 32.5% | 32.6% |
| 2 vehicles available: | 2,471 | 40.1% | 37.0% |
| 3 or more vehicles available: | 1,505 | 24.4% | 22.1% |
Home Value Distribution (32428 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 558 | 11.5% | 5.7% |
| $50,000 to $99,999: | 997 | 20.5% | 7.8% |
| $100,000 to $149,999: | 1,044 | 21.5% | 9.2% |
| $150,000 to $199,999: | 568 | 11.7% | 10.8% |
| $200,000 to $299,999: | 942 | 19.4% | 19.9% |
| $300,000 to $499,999: | 549 | 11.3% | 24.1% |
| $500,000 to $999,999: | 196 | 4.0% | 17.0% |
| $1,000,000 or more: | 6 | 0.1% | 5.6% |
Housing Costs (32428 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,282 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $365 / mo. | $584 / mo. |
| Median gross rent: | $915 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.43 | 2.53 |
| Average household size (renter-occupied): | 2.52 | 2.38 |
Households (32428 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 6,165 | -- | -- |
| Married-couple households: | 3,050 | 49.5% | 47.5% |
| Cohabiting couple households: | 1,125 | 18.2% | 7.0% |
| Male householder, no spouse: | 863 | 14.0% | 5.4% |
| Female householder, no spouse: | 1,975 | 32.0% | 12.7% |
| Householder living alone: | 2,071 | 33.6% | 28.6% |
| 65 years and over living alone: | 2,028 | 32.9% | 11.8% |
| Average household size: | 2.45 | -- | 2.53 |
| Average family size: | 2.93 | -- | -- |
Marital Status (32428 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 8,118 | -- | -- |
| Never married: | 3,255 | 40.1% | 37.0% |
| Now married: | 3,350 | 41.3% | 49.5% |
| Separated: | 219 | 2.7% | 1.5% |
| Widowed: | 1,164 | 14.3% | 2.6% |
| Divorced: | 1,373 | 16.9% | 9.3% |
School Enrollment (32428 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 3,679 | -- | -- |
| Nursery school, preschool: | 129 | 3.5% | 5.8% |
| Kindergarten: | 239 | 6.5% | 5.0% |
| Elementary school (grades 1-8): | 1,974 | 53.7% | 40.5% |
| High school (grades 9-12): | 846 | 23.0% | 21.4% |
| College or graduate school: | 491 | 13.3% | 27.3% |
Veterans & Disability (32428 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 14,042 | -- | -- |
| Veterans: | 1,098 | 7.8% | 6.3% |
| Civilian noninstitutionalized population: | 15,161 | -- | -- |
| With a disability: | 2,807 | 18.5% | 13.4% |
| Under 18 with disability: | 214 | 7.6% | 5.8% |
| 18 to 64 with disability: | 1,453 | 51.8% | 10.4% |
| 65 and over with disability: | 1,140 | 40.6% | 33.4% |
Mobility (Residence 1 Year Ago) (32428 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 15,187 | 85.3% | 86.9% |
| Different house: | 2,506 | 14.1% | 13.1% |
| Same county: | 644 | 25.7% | 7.0% |
| Different county: | 1,862 | 74.3% | 3.2% |
| Different state: | 194 | 7.7% | 2.5% |
| Abroad: | 0 | 0.0% | 0.4% |
Place of Birth (32428 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 17,150 | 96.3% | 86.2% |
| Foreign born: | 177 | 1.0% | 13.9% |
| Naturalized citizen: | 651 | 367.8% | 52.7% |
| Not a citizen: | 651 | 367.8% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 651 | 367.8% | 10.5% |
| Asia: | 145 | 81.9% | 31.3% |
| Africa: | 5 | 2.8% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 386 | 218.1% | 50.0% |
| Northern America: | 17 | 9.6% | 2.2% |
Language Spoken at Home (32428 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 17,043 | -- | -- |
| English only: | 15,783 | 92.6% | 78.3% |
| Language other than English: | 1,260 | 7.4% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 851 | 5.0% | 13.3% |
| Other Indo-European languages: | 222 | 1.3% | 3.5% |
| Asian/Pacific Island languages: | 110 | 0.6% | 3.5% |
| Other languages: | 77 | 0.5% | 1.0% |
Computers & Internet (32428 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 6,165 | 100.0% | 93.1% |
| Households with broadband internet: | 5,903 | 95.8% | 89.4% |
Chipley, FL32428