Zip code 32428: Chipley, Florida

Q: What city is zip code 32428?

32428 is assigned to Chipley, Florida. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 32428 in?

32428 is mostly in Washington County, but it extends into 2 other counties.

Q: What is the population of 32428?

About 17,950 people live in 32428, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 32428?

The median household income in 32428 is $57,493.

Q: What zip codes are near 32428?

The closest zip codes to 32428 are 32463, 32420, 32438, 32427, 32431.

Residential delivery areaWashington CountyCentral Time

Population

17,950

Median household income

$57K

U.S. $81K

Median home value

$179K

U.S. $333K

Median rent

$877/mo

U.S. $1,413

Median age

41.8

U.S. 38.9

Land area

286 sq mi

63 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 32428

32428 is a small-town zip code in Chipley, Florida (Washington County), covering 286 sq mi of land. About 17,950 people live here, or 63 per square mile. The median resident is 41.8 years old, compared with 38.9 nationally.

The median household earns $57,493 a year, 29% below the national median of $80,734. 15.7% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $179,400, or 3.1 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 80% of occupied homes are lived in by their owners, and renters pay a median of $877 a month.

13% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 35.3 minutes each way, and 8% of workers work from home. The most common jobs among working residents are in office and administrative support; transportation and moving goods; and construction and repair.

How 32428 compares

Sorted from highest to lowest national percentile

Average commute35.3 min
92nd
WeaknessU.S. 26.4 min · FL 28 min88th of 948 in FL
Government workers21.8%
89th
U.S. 14.5% · FL 11.7%97th of 973 in FL
Housing vacancy15.9%
88th
U.S. 10.1% · FL 14.7%349th of 969 in FL
Rent-burdened renters61.5%
86th
WeaknessU.S. 51.1% · FL 60.1%375th of 945 in FL
Veterans8.5%
81st
U.S. 6.2% · FL 7.4%422nd of 976 in FL
Uninsured rate12.1%
80th
WeaknessU.S. 8.4% · FL 11.5%391st of 973 in FL
Homeownership rate80.2%
79th
U.S. 65.2% · FL 67.6%357th of 969 in FL
Poverty rate15.7%
72nd
U.S. 12.5% · FL 12.6%273rd of 970 in FL
Self-employed workers11.4%
72nd
U.S. 10% · FL 12.8%562nd of 973 in FL
Median age41.8
70th
U.S. 38.9 · FL 42.6542nd of 977 in FL
Residents 65 and older17.5%
57th
U.S. 17.2% · FL 21.3%614th of 977 in FL
Income inequality (Gini)0.431
46th
U.S. 0.483 · FL 0.485599th of 968 in FL
Residents under 1820.8%
38th
U.S. 22% · FL 19.5%360th of 977 in FL
Diversity index41
37th
U.S. 61.4 · FL 64.7620th of 977 in FL
Broadband access90.3%
36th
U.S. 91% · FL 91.6%591st of 969 in FL
Population17,950
28th
U.S. 334,922,499 · FL 22,416,077547th of 977 in FL
Unemployment rate3.5%
24th
U.S. 5.2% · FL 4.8%678th of 973 in FL
Work from home7.6%
20th
U.S. 15.1% · FL 15.7%807th of 975 in FL
Median earnings per worker$39,542
20th
WeaknessU.S. $49,666 · FL $44,337681st of 961 in FL
Foreign-born residents2.9%
18th
U.S. 14.1% · FL 21.9%867th of 977 in FL
Median household income$57,493
17th
WeaknessU.S. $80,734 · FL $74,568742nd of 948 in FL
Median home value$179,400
17th
U.S. $332,700 · FL $359,000816th of 935 in FL
Median gross rent$877
12th
U.S. $1,413 · FL $1,669846th of 902 in FL
Per capita income$26,681
11th
WeaknessU.S. $44,673 · FL $42,609839th of 977 in FL
Tech workers0.9%
11th
U.S. 3.8% · FL 3.1%796th of 973 in FL
Healthcare workers6.4%
10th
U.S. 9.7% · FL 9.5%813th of 973 in FL
Population density63/sq mi
9th
U.S. 95/sq mi · FL 418/sq mi861st of 977 in FL
Bachelor's degree or higher12.8%
6th
WeaknessU.S. 35.7% · FL 34.1%877th of 975 in FL

Measure	32428	Washington	FL	U.S.	National percentile	Rank in FL
Average commuteWeakness	35.3 min	36.1 min	28 min	26.4 min	92nd	88th of 948
Government workers	21.8%	19.9%	11.7%	14.5%	89th	97th of 973
Housing vacancy	15.9%	15.9%	14.7%	10.1%	88th	349th of 969
Rent-burdened rentersWeakness	61.5%	55.3%	60.1%	51.1%	86th	375th of 945
Veterans	8.5%	9.1%	7.4%	6.2%	81st	422nd of 976
Uninsured rateWeakness	12.1%	14.1%	11.5%	8.4%	80th	391st of 973
Homeownership rate	80.2%	80%	67.6%	65.2%	79th	357th of 969
Poverty rate	15.7%	17.3%	12.6%	12.5%	72nd	273rd of 970
Self-employed workers	11.4%	11.8%	12.8%	10%	72nd	562nd of 973
Median age	41.8	41.7	42.6	38.9	70th	542nd of 977
Residents 65 and older	17.5%	18.8%	21.3%	17.2%	57th	614th of 977
Income inequality (Gini)	0.431	0.438	0.485	0.483	46th	599th of 968
Residents under 18	20.8%	20%	19.5%	22%	38th	360th of 977
Diversity index	41	40.1	64.7	61.4	37th	620th of 977
Broadband access	90.3%	87%	91.6%	91%	36th	591st of 969
Population	17,950	25,529	22,416,077	334,922,499	28th	547th of 977
Unemployment rate	3.5%	3.6%	4.8%	5.2%	24th	678th of 973
Work from home	7.6%	7.4%	15.7%	15.1%	20th	807th of 975
Median earnings per workerWeakness	$39,542	$40,405	$44,337	$49,666	20th	681st of 961
Foreign-born residents	2.9%	2.7%	21.9%	14.1%	18th	867th of 977
Median household incomeWeakness	$57,493	$58,210	$74,568	$80,734	17th	742nd of 948
Median home value	$179,400	$171,000	$359,000	$332,700	17th	816th of 935
Median gross rent	$877	$888	$1,669	$1,413	12th	846th of 902
Per capita incomeWeakness	$26,681	$27,434	$42,609	$44,673	11th	839th of 977
Tech workers	0.9%	0.7%	3.1%	3.8%	11th	796th of 973
Healthcare workers	6.4%	6.3%	9.5%	9.7%	10th	813th of 973
Population density	63/sq mi	44/sq mi	418/sq mi	95/sq mi	9th	861st of 977
Bachelor's degree or higherWeakness	12.8%	11.5%	34.1%	35.7%	6th	877th of 975

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

16%

5–17

18–24

13%

25–34

14%

35–44

14%

45–54

15%

55–64

10%

65–74

75+

Median age

41.8

Under 18

20.8%

65 and over

17.5%

Race and ethnicity

White75%
Black14%
Hispanic4%
Asian0.7%
Native American0.1%
Pacific Islander0%
Other0.1%
Multiracial6%

Diversity index

U.S. 61.4

Foreign-born

2.9%

U.S. 14.1%

Born in state

58.1%

Language spoken at home (households)

English only

95%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 6,221
Average household size: 2.5
Family households: 69.2%
Married couples: 50.7%
Living alone: 26.6%
Veterans (of adults): 8.5%
Male / female: 55% / 45%

Income and poverty

Household income distribution

<$25k

19%

$25–50k

25%

$50–75k

23%

$75–100k

$100–150k

16%

$150–200k

$200k+

Median household income

32428

$57,493

Washington Co.

$58,210

Florida

$74,568

United States

$80,734

Per capita income

$26,681

U.S. $44,673

Poverty rate

15.7%

U.S. 12.5%

Households earning $150K+

8.7%

U.S. 23%

Income inequality (Gini)

0.431

U.S. 0.483

Housing

Median home value

32428

$179,400

Washington Co.

$171,000

Florida

$359,000

United States

$332,700

Median gross rent

32428

$877

Washington Co.

$888

Florida

$1,669

United States

$1,413

Types of housing

Single-family

62%

2–4 units

5–19 units

0.3%

20+ units

Mobile home

32%

Boat, RV, van

0.5%

Housing units: 7,395
Owner-occupied: 80.2%
Vacant: 15.9%
Median year built: 1990
Median rooms: 5.5
Renters paying 30%+ of income: 61.5%
Renters paying 50%+ of income: 21.3%
Home value to income: 3.1× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

84%

Carpooled

Transit

Walked

0.8%

Bicycle

0.1%

Worked from home

Other

0.3%

Commute time (one way)

<10 min

13%

10–19

13%

20–29

12%

30–44

28%

45–59

17%

60+

18%

Average commute

35.3 min

U.S. 26.4 min

Unemployment

3.5%

U.S. 5.2%

In labor force

44.9%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Office and admin

13%

Transportation and moving

12%

Construction and repair

12%

Sales

10%

Management

Food service

Healthcare

Education

Police and fire

Cleaning and personal care

Production

Legal and social services

Business and finance

Engineering and science

Computer and math

0.9%

Arts, media and sports

0.8%

Farming, fishing and forestry

0.5%

Industries

Retail

14%

Construction

13%

Public administration

12%

Education

Health care and social assistance

Transportation, warehousing and utilities

Finance, insurance and real estate

Restaurants and hotels

Manufacturing

Admin, support and management

Other services

Professional and technical services

Agriculture and mining

Wholesale

Arts and recreation

0.6%

Information

0.6%

Median earnings per worker

$39,542

U.S. $49,666

Self-employed

11.4%

U.S. 10%

Government workers

21.8%

U.S. 14.5%

Nonprofit workers

4.5%

U.S. 8.8%

Median earnings by type of work

Type of work	32428	U.S.
Management, business, science and arts	$51,346	$74,888
Service	$28,529	$26,804
Sales and office	$38,043	$40,476
Construction and maintenance	$53,006	$49,199
Production and transportation	$35,136	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

16%

High school

40%

Some college

20%

Associate's

12%

Bachelor's

Graduate

High school graduate or higher: 84.3%
Bachelor's degree or higher: 12.8%
Graduate or professional degree: 5.2%
Households with broadband: 90.3%
Cable, fiber or DSL: 37.3%
No internet access: 7.8%
Without health insurance: 12.1%
Limited-English households: 0.4%

Geography

City (USPS): Chipley
State: Florida
County: Washington County
Center point: 30.6157° N, 85.5729° W
Land area: 286 sq mi
Water area: 14 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

32428 spans 3 counties

Washington County97% of land
Bay County2% of land
Jackson County1% of land

Cities and towns within this zip

Chipley2% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 32428

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
32463	Wausau, FL	1.2 mi	128	$64,643	$66,900
32420	Alford, FL	12 mi	2,159	$48,446	$119,600
32438	Fountain, FL	12 mi	4,815	$50,000	$153,700
32427	Caryville, FL	15 mi	1,030	$62,625	$90,900
32431	Cottondale, FL	15 mi	4,683	$55,293	$136,200
32462	Vernon, FL	15 mi	3,920	$50,662	$179,200
32466	Youngstown, FL	17 mi	5,916	$60,337	$179,600
32425	Bonifay, FL	19 mi	13,942	$46,667	$123,600
32409	Panama City, FL	21 mi	11,113	$64,516	$275,700
32448	Marianna, FL	21 mi	8,549	$43,862	$110,800
32440	Graceville, FL	21 mi	8,253	$59,246	$115,700
32421	Altha, FL	23 mi	4,035	$48,719	$113,200

Zip codes like 32428 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 32428

What city is zip code 32428?

32428 is assigned to Chipley, Florida. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 32428 in?

32428 is mostly in Washington County, but it extends into 2 other counties.

What is the population of 32428?

About 17,950 people live in 32428, according to the Census Bureau's American Community Survey.

What time zone is 32428 in?

32428 is in Central Time.

What is the median household income in 32428?

The median household income in 32428 is $57,493.

What zip codes are near 32428?

The closest zip codes to 32428 are 32463, 32420, 32438, 32427, 32431.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 32428, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.