32428 ZIP Code — Chipley, FL

Washington County, Florida

ZIP code 32428 is located in Chipley, Florida, within Washington County. It covers approximately 285.89 square miles and serves a population of 17,801 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32428

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $141,000. Owner-occupancy is high at 79%, well above the national average.

Median household income is $48,984. Poverty affects 20% of residents, above the national average. 39% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 31 minutes is near the national average.

College attainment at 14% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (28%) compared to national benchmarks.

Overall, ZIP code 32428 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, and a significant Social Security-dependent population.

17,801

population

285.89

sq mi land

Standard

ZIP type

Central (CT)

timezone

32428 ZIP code map

Cities in ZIP code 32428

Below are the cities the US Postal Service accepts for ZIP code 32428. Using any city not on this list may result in mail delivery delays.

City	Status
Chipley	Acceptable
Chipley	Preferred

Nearby ZIP codes

32420 Alford (11.4 mi) 32438 Fountain (13.5 mi) 32427 Caryville (14.1 mi) 32431 Cottondale (15.7 mi) 32425 Bonifay (16.1 mi) 32425 Bonifay (16.1 mi) 32425 Bonifay (16.1 mi) 32466 Youngstown (18.2 mi) 32440 Graceville (19 mi)

Demographics updated 05/2026

Population
Total population	17,801
Population density	62 / sq mi
State FIPS	12
County FIPS	133

Geography
Land area	285.89 sq mi
Water area	14.29 sq mi
Latitude	30.6337
Longitude	-85.5796
Timezone	Central (CT)
Area code	850

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	58.7%	61.2%	43.4%
$50k – $100k	31.1%	29.9%	30.8%
$100k – $200k	9.5%	8.1%	19.3%
Over $200k	0.7%	0.8%	6.4%

Demographics & statistics

17,801

Population

People per sq mi

40.6

Median age

$48,984

Median household income

$23,662

Per capita income

$141,000

Median home value

$915

Median monthly rent

78.8%

Home ownership

20.2%

Poverty rate

5.0%

Unemployment

5,978

Housing units

14.0%

Bachelor's or higher

Age distribution

Male Female

418

Under 5

340

545

5–9

442

740

10–14

600

598

15–19

486

423

20–24

343

1,400

25–34

1,136

1,316

35–44

1,069

1,453

45–54

1,180

837

55–59

680

555

60–64

450

940

65–74

763

450

75–84

366

150

85+

121

← Male

Female →

Age summary

Group	Count	%
Under 18	3,755	21.1%
18 and over	14,046	78.9%
65 and over	2,790	15.7%
Median age	40.6 years

Race & ethnicity

White 75.5%

Black or African American 12.8%

Hispanic or Latino 4.2%

Two or more races 3.8%

Other race 2.6%

Asian 0.6%

American Indian / Alaska Native 0.5%

Group	Count	%
White	14,025	75.5%
Black or African American	2,375	12.8%
Hispanic or Latino	774	4.2%
Two or more races	715	3.8%
Other race	480	2.6%
Asian	116	0.6%
American Indian / Alaska Native	90	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	58.7%	61.2%	43.4%
$50k – $100k	31.1%	29.9%	30.8%
$100k – $200k	9.5%	8.1%	19.3%
Over $200k	0.7%	0.8%	6.4%

Under $10k 4.4%

$10k–$15k 6.3%

$15k–$25k 13.1%

$25k–$35k 14.0%

$35k–$50k 13.0%

$50k–$75k 20.3%

$75k–$100k 9.5%

$100k–$150k 13.8%

$150k–$200k 3.0%

$200k+ 2.6%

Range	% of households
Under $10k	4.4%
$10k–$15k	6.3%
$15k–$25k	13.1%
$25k–$35k	14.0%
$35k–$50k	13.0%
$50k–$75k	20.3%
$75k–$100k	9.5%
$100k–$150k	13.8%
$150k–$200k	3.0%
$200k+	2.6%
Median income	$48,984

Housing

Home values

Under $50k 11.5%

$50k–$100k 20.5%

$100k–$150k 21.5%

$150k–$200k 11.7%

$200k–$300k 19.4%

$300k–$500k 11.3%

$500k–$1M 4.0%

$1M+ 0.1%

Housing overview

Metric	Value
Median home value	$141,000
Median rent / month	$915
Owner occupied	78.8%
Renter occupied	21.2%
Vacant	15.4%
Single-family detached	61.6%
Large apartment buildings	0.9%
Mobile homes	32.0%
Median rooms	5.4
Avg household size (owned)	2.43

Year built

Era	%
2020 or later	0.1%
2010–2019	7.1%
2000–2009	15.1%
1990–1999	19.5%
1980–1989	15.4%
1970–1979	16.8%
1960–1969	9.9%
1950–1959	7.3%
1940–1949	3.6%
1939 or earlier	5.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	1.5%
2 bedrooms	23.6%
3 bedrooms	62.0%
4 bedrooms	10.4%
5+ bedrooms	1.9%

Vehicles per household

Vehicles	% of households
No vehicle	3.0%
1 vehicle	32.5%
2 vehicles	40.1%
3 or more	24.4%

Heating fuel

Fuel type	%
Utility gas	3.2%
Electricity	90.9%
Propane / LP gas	3.7%
Wood	0.8%
No fuel used	1.4%

Households & families

Household type	Count	%
Married-couple family	3,050	49.5%
Cohabiting couple	277	4.5%
Male householder, no spouse	863	14.0%
Female householder, no spouse	1,975	32.0%
Households with children under 18	2,071	33.6%
Households with seniors (65+)	2,028	32.9%
Average household size	2.45

Marital status

Status	Male	Female
Never married	40.1%	20.8%
Married	41.3%	50.5%
Separated	1.6%	1.1%
Widowed	2.7%	14.9%
Divorced	14.3%	12.8%

Education

Less than 9th grade 4.9%

Some HS, no diploma 11.1%

HS graduate 40.0%

Some college, no degree 22.9%

Associate's degree 7.2%

Bachelor's degree 8.4%

Graduate / professional 5.6%

Metric	%
HS diploma or higher	84.1%
Bachelor's or higher	14.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	129	3.5%
Kindergarten	239	6.5%
Elementary school	1,974	53.7%
High school	846	23.0%
College / grad school	491	13.3%

Employment

Industry of employment

Education & healthcare 17.7%

Retail trade 15.2%

Construction 14.2%

Public administration 10.4%

Transportation & utilities 8.6%

Professional & management 7.3%

Finance & real estate 5.6%

Arts, food & hospitality 5.6%

Manufacturing 5.1%

Other services 4.8%

Information 2.2%

Wholesale trade 1.9%

Agriculture & mining 1.2%

Occupation

Category	%
Management, business & arts	29.0%
Service	17.6%
Sales & office	22.3%
Natural resources & construction	13.9%
Production & transportation	17.2%

Employment type

Type	%
Private sector	70.3%
Government	23.2%
Self-employed	6.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.5%
Carpool	10.5%
Public transit	0.1%
Walk	0.7%
Work from home	5.9%
Other means	0.3%
Avg commute (minutes)	31.0

Poverty

All people 20.2%

Under 18 years 31.0%

18 and over 16.7%

Married-couple families 8.2%

Female-led households 39.5%

Income support

Source	% of households
Social Security	38.7%
Retirement income	24.7%
Supplemental Security	5.6%
Cash public assistance	3.4%
Food stamps / SNAP	12.8%

Health indicators

Condition	%
Obesity	37.3%
High blood pressure	38.3%
High cholesterol	33.7%
Diabetes	13.1%
Heart disease	8.5%
Stroke	4.4%
Asthma	9.6%
Arthritis	28.4%
Kidney disease	3.6%
Pulmonary disease	11.5%
Cancer	6.5%

Behavior / access	%
Smoking	28.0%
Binge drinking	15.7%
No physical activity	31.0%
Less than 7 hrs sleep	39.5%
Depression	22.5%
Fair or poor health	22.7%
Poor mental health	18.2%
Poor physical health	15.4%
No health insurance	25.4%
Visited doctor (checkup)	72.6%
Visited dentist	47.4%
Cholesterol screening	87.2%
Teeth loss	21.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,098	7.8%

Disability	%
Any disability	18.5%
Under 18	5.7%
18–64 years	16.7%
65 and over	42.0%

Health insurance coverage

Type	%
Private insurance	58.7%
Public insurance	41.7%
No insurance	14.5%
Uninsured under 19	11.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	17,043	95.7%
Spanish	432	2.5%
Other Indo-European	293	1.7%
Asian & Pacific Islander	57	0.3%
Other languages	82	0.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	17,150	96.3%
Born in same state	16,973	95.3%
Born in different state	10,374	58.3%
Foreign born	177	1.0%
Naturalized citizen	651	3.7%
Not a US citizen	192	29.5%

Ancestry

Ancestry	Count	%
Arab	3,236	18.2%
Italian	1,915	10.8%
French	1,466	8.2%
English	73	0.4%

Ancestry	Count	%
Polish	69	0.4%
Norwegian	27	0.2%
German	10	0.1%

Technology access

Metric	% of households
Computer access	34.6%
Internet access	95.8%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 32428

What city is ZIP code 32428 in?

ZIP code 32428 is primarily assigned to Chipley, Florida.

What county is ZIP code 32428 in?

ZIP code 32428 falls within Washington County, Florida.

What is the poverty rate in ZIP code 32428?

20% of residents in ZIP code 32428 live below the poverty line, above the national average.

How educated is the population of ZIP code 32428?

14% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 32428 have a large retiree population?

39% of households in ZIP code 32428 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 32428?

The median home value in ZIP code 32428 is $141,000.

What timezone is ZIP code 32428 in?

ZIP code 32428 observes the CST timezone.