Population & age
- Total population
- 17,801
- Median age
- 40.6
Chipley, FL (32428)
Washington County · Panama City-Panama City Beach, FL · Population 17,801
Fresh.Data current as of Apr 24, 2026
Chipley, FL (ZIP 32428) sits in Washington County within the Panama City-Panama City Beach metro area. The page draws on 2 federal data feeds retrieved Apr 26. Top health signal: High Blood Pressure comes in above the national average at 42.5%. NCES lists 7 schools serving the area, 7 non-charter. 6 colleges and universities serve the area, with median in-state tuition of $3,120. IRS data shows average household income (AGI) of $60,422, well above the ~$45K national average per return. BLS QCEW reports average annual pay of $45,572 per worker, roughly 30% below the US average. FEMA has issued 51 federal disaster declarations affecting this ZIP since 1975 — a high-frequency exposure profile. Annual precipitation averages 60.8" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 10,978 years of potential life lost per 100,000 (2025) — well above the national county median. Per USDA's Food Environment Atlas, 40.7% of residents in this county live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket — a deep food-access gap. Florida has no state income tax, saving the local median household (AGI $60,422) approximately $2,779/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 453 residents (208 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $48,984, fair market rent of $1,450 for a two-bedroom, and a typical home value of $223,794, down 2.6% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 78.8%
- Black
- 13.3%
- Asian
- 0.7%
- Hispanic / Latino
- 5.5%
- Other / multi-racial
- 6.7%
Income & housing
- Median household income
- $48,984
- Median home value
- $141,000
Education
- Bachelor's degree or higher (age 25+)
- 12.7%
Employment
- Unemployment rate
- 5.0%
Housing
- Owner-occupied
- 4,860(78.8%)
- Renter-occupied
- 1,305(21.2%)
- Vacant units
- 1,118
- Built (median)
- 1985
Commute
- Public transit
- 7(0.1%)
- Work from home
- 351(5.9%)
- Avg commute
- 29.2 min
Economic wellbeing
- Below poverty line
- 3,042(20.2%)
- Uninsured
- 452(2.5%)
Digital access
- Broadband access
- 5,422(87.9%)
- No broadband
- 743(12.1%)
Language & nativity
- Foreign-born
- 651(3.7%)
- Non-English at home
- 1,260(7.4%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$1,240
/month
1 Bed
$1,240
/month
2 Bed
$1,450
/month
3 Bed
$1,930
/month
4 Bed
$2,440
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$223,794
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
-2.6%
vs. March 2025
5-year change
+28.0%
vs. March 2021
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing construction
New housing units permitted
2,835
Across 2,271 permitted buildings. Total construction value: $862.7M.
Single-family
2,208
78% of total units
Multifamily (2+ unit)
627
22% of total units
Single-family value
$750.2M
construction value
Multifamily value
$112.5M
construction value
Aggregated from 3 counties touching this ZIP (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
6,780
Average AGI
$60,422
Avg property tax
$73
EITC participation
23.3%
Income distribution
- $1 – $25,00031.4% · 2,130
- $25,000 – $50,00028.0% · 1,900
- $50,000 – $75,00015.3% · 1,040
- $75,000 – $100,0009.7% · 660
- $100,000 – $200,00012.5% · 850
- $200,000 or more2.9% · 200
Avg mortgage interest
$177
Avg charitable contribution
$646
Avg capital gains
$2,040
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $409.7M across all reported brackets.
Business & employment
Business establishments
355
Total employment
3,491
Annual payroll
$124.3M
Average annual pay
$35,617
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$45,572
Average weekly wage
$876
Total employment
6,230
Total establishments
552
That is roughly 30% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
4.0%
That tracks the US national unemployment rate of about 4.0%.
Labor force
9,371
Employed
8,997
Unemployed
374
Based on Washington County, FL data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Banking access
FDIC-insured bank branches
6
Typical banking access
A standard suburban / mid-density branch count for this area.
Total deposits
$315.7M
across all branches in this ZIP
Distinct institutions
6
different banks operating here
Top banks by deposits in this ZIP
- 1.Wells Fargo Bank, National Association$94.5M · 1 branch
- 2.One Florida Bank$57.5M · 1 branch
- 3.PeoplesSouth Bank$51.0M · 1 branch
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Community health centers
Federally funded health-center sites
1
Single health-center site
One federally funded community health center serves this ZIP. Residents who need same-day care or specialty services may rely on neighboring ZIPs.
FQHC sites
1
federally qualified
Look-Alike sites
0
FQHC equivalents
Avg hours / week
40
across sites in this ZIP
Sites in this ZIP
- 1.PanCare - Chipley
Federally Qualified Health Centers (FQHCs) and Look-Alike sites provide primary care on a sliding-fee scale, regardless of ability to pay. Active sites only; data refreshed 2026.
Source: HRSA Bureau of Primary Health Care (data.hrsa.gov). Per-ZIP counts of active service-delivery sites operated by Health Center Program grantees and Look-Alike organizations.
Hospitals & healthcare facilities
Facilities located inside ZIP 32428 from CMS Provider Data. Star ratings reflect Overall Hospital Quality where applicable; “Not rated” means the facility didn't report enough measures to qualify.
Hospitals (1)
NORTHWEST FLORIDA COMMUNITY HOSPITAL
★★★★★1.0
Critical Access Hospitals
Voluntary non-profit - Private
Emergency services
1360 BRICKYARD RD, CHIPLEY, FL, 32428
Source: Centers for Medicare & Medicaid Services Provider Data (data.cms.gov). Public domain.
Public transit
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
Panama City--Panama City Beach, FL
Reporting agencies
1
Largest: Bay County Transportation Planning Organization
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Alternative-fuel stations
Public EV charging stations
4
Established EV charging
Multiple public charging stations across the ZIP — typical of mid-density suburban and small-urban areas with active EV adoption.
Level 2 ports
0
AC charging — workplace, retail, home
DC Fast ports
0
Highway-class fast charging
Charging networks
- Blink Network
- Electrify America
- RIVIAN_ADVENTURE
- + 1 more network
Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.
Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.
Public libraries
Public-library outlets
2
Multiple library outlets
Several public-library outlets within the ZIP, giving residents real choice in branch hours, programming, and walk-in distance.
Buildings
2
1 central · 1 branch
Avg hours / week
19
across outlets in this ZIP
Avg square feet
4,500
per outlet
Outlets in this ZIP
- 1.Sunny Hills Public Library
- 2.Washington County Public Library
Public libraries provide free WiFi, computer access, children's programming, job-seeking resources, and meeting space — community infrastructure beyond books. FY2023 outlet inventory from the federal Public Libraries Survey.
Source: Institute of Museum and Library Services (imls.gov). Per-ZIP counts of active public-library outlets — central buildings, branches, and bookmobiles — operated by federally reporting library systems.
Federal Disaster Declarations
Federally Declared Disasters
51
Date Range
1975–2024
Most Recent Declaration
HURRICANE HELENE
Hurricane — declared September 28, 2024 (DR-4828)
Incident period: September 23, 2024 – October 7, 2024
Top Incident Types
- Hurricane27 (53%)
- Severe Storm8 (16%)
- Fire6 (12%)
- Tropical Storm4 (8%)
- Flood4 (8%)
- Other2 (4%)
Individual Assistance
13
Direct help to disaster survivors
Households Program
5
Housing & temporary lodging support
Public Assistance
49
Repair of public facilities & roads
Hazard Mitigation
24
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
67.7°F
55.5° – 79.9°
Annual precipitation
60.8"
Diurnal range
24.4°F
Day-night swing
Heating · cooling days
1,637.8 · 2,661.8
Annual base 65°F
Nearest station: CHIPLEY, FL US, 11.5 miles from the centroid of Chipley, FL (ZIP 32428)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
10,978
That is roughly 2,778 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
23%
of adults self-report
Poor physical health days
5.0
avg per adult per month
Poor mental health days
6.1
avg per adult per month
Uninsured
16.7%
of residents under 65
Primary care MDs
31
per 100,000 residents
Preventable hospital stays
3,652
per 100K Medicare enrollees
Food environment (0-10)
5.5
10 = best access & security
Exercise access
61%
residents near a facility
Flu vaccinated
31%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 9.2% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Washington data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Limited food access for many residents
40.7% of Washington County, FL residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.12
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
1.32
accepting food benefits
Fast-food restaurants
0.69
per 1,000 residents
Among low-income residents, 21.7% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Washington County, FL for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 246 reports
Property crime rate
—
per 100K residents · 1,146 reports
Homicide
2
Robbery
6
Burglary
200
Vehicle theft
63
County-level data for Bay (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▲+453 people
+208 households • +$17.6M net AGI flow
Moved in
1,074households
2,117 people • $53.3M AGI
Moved out
866households
1,664 people • $35.8M AGI
Where new residents came from
- Bay County, FL — 216 households
- Jackson County, FL — 84 households
- Holmes County, FL — 76 households
- Walton County, FL — 28 households
Where departing residents went
- Bay County, FL — 182 households
- Holmes County, FL — 96 households
- Jackson County, FL — 93 households
- Houston County, AL — 29 households
- Walton County, FL — 21 households
Incoming households reported an average AGI of $49,659 versus departing households' $41,314.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Florida
State-level rules that apply to every resident of ZIP 32428. Numbers reflect the most recent published year per source.
Tax rates
Income tax
None
No state income tax
Sales tax (combined)
6.98%
State 6.00% · avg local 0.98%
Property tax (effective)
0.50%
Median $787/year
Tax burden rank
8 of 50
8.90% of personal income
For ZIP 32428: A household at this ZIP's median AGI of $60,422 keeps approximately $2,779 more annually than residents of the typical income-tax state. Applied to this ZIP's typical home value of $223,794, that works out to roughly $1,129/year in property tax.
Paid family leave
Program
Voluntary (private insurance framework)
Voluntary (private insurance framework)
Safety net
SNAP eligibility
200% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 32428
Nearby ZIPs by distance
32463 (Wausau, 1.2 mi) · 32420 (Alford, 11.5 mi) · 32438 (11.8 mi) · 32427 (Caryville, 14.6 mi) · 32431 (Jacob City, 15.3 mi) · 32462 (Vernon, 15.4 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
SourcesFresh.CDC PLACES · Apr 24, 2026Fresh.NCES CCD via Urban Institute EDP · Apr 26, 2026Fresh.HUD SAFMR · May 1, 2026
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
40.1%
7.1pp above the 33.0% national rate.
High Blood Pressure
42.5%
10.5pp above the 32.0% national rate.
Depression
20.1%
Tracks close to the 22.0% national rate.
Annual Checkup
76.2%
Tracks close to the 76.0% national rate.
Health Insurance
15.6%
2.6pp above the 13.0% national rate.
Diabetes
15.0%
4.0pp above the 11.0% national rate.
Schools in this ZIP
7 schools serve this ZIP, including 7 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| KATE M. SMITH ELEMENTARY SCHOOL | Public | -1–5 | 1,002 |
| CHIPLEY HIGH SCHOOL | Public | 9–12 | 622 |
| ROULHAC MIDDLE SCHOOL | Public | 6–8 | 452 |
| WASHINGTON ACADEMY OF VARYING EXCEPTIONALITIES (WAVE) | Special Ed | -1–12 | 56 |
| WASHINGTON VIRTUAL INSTRUCTION PROGRAM | Public | 0–12 | 18 |
Showing top 5 by enrollment. 2 more schools serve this ZIP.
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 26, 2026Colleges & universities nearby
Colleges in this area
6
Median in-state tuition
$3,120
Median earnings (10 yr)
$36,779
- Certificate
Florida Panhandle Technical College
Chipley, FL · 32428
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 41.4%
- Median earnings (10 yr)
- $32,320
- Median student debt
- —
- 4-Year
Gulf Coast State College
Panama City, FL · 32401
- In-state tuition
- $2,370
- Out-of-state tuition
- $8,635
- Acceptance rate
- —
- Graduation rate
- 44.1%
- Median earnings (10 yr)
- $38,359
- Median student debt
- $7,147
- 4-Year
Chipola College
Marianna, FL · 32446
- In-state tuition
- $3,120
- Out-of-state tuition
- $8,950
- Acceptance rate
- —
- Graduation rate
- 57.2%
- Median earnings (10 yr)
- $37,378
- Median student debt
- —
- Certificate
Tom P. Haney Technical College
Panama City, FL · 32405
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 57.8%
- Median earnings (10 yr)
- $28,254
- Median student debt
- —
- 4-Year
Baptist University of Florida
Graceville, FL · 32440
- In-state tuition
- $15,000
- Out-of-state tuition
- $15,000
- Acceptance rate
- 36.0%
- Graduation rate
- 62.1%
- Median earnings (10 yr)
- $42,836
- Median student debt
- $23,590
- Certificate
Emerald Coast Technical College
DeFuniak Springs, FL · 32433
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 77.3%
- Median earnings (10 yr)
- $36,180
- Median student debt
- —
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Chipley, FL (ZIP 32428) sits in Washington County within the Panama City-Panama City Beach metro area. The page draws on 2 federal data feeds retrieved Apr 26. Top health signal: High Blood Pressure comes in above the national average at 42.5%. NCES lists 7 schools serving the area, 7 non-charter. 6 colleges and universities serve the area, with median in-state tuition of $3,120. IRS data shows average household income (AGI) of $60,422, well above the ~$45K national average per return. BLS QCEW reports average annual pay of $45,572 per worker, roughly 30% below the US average. FEMA has issued 51 federal disaster declarations affecting this ZIP since 1975 — a high-frequency exposure profile. Annual precipitation averages 60.8" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 10,978 years of potential life lost per 100,000 (2025) — well above the national county median. Per USDA's Food Environment Atlas, 40.7% of residents in this county live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket — a deep food-access gap. Florida has no state income tax, saving the local median household (AGI $60,422) approximately $2,779/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 453 residents (208 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $48,984, fair market rent of $1,450 for a two-bedroom, and a typical home value of $223,794, down 2.6% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits near the national rate at 20.1%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 32428
What is the obesity rate in ZIP 32428?
40.1%, which is 7.1 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 32428?
20.1%, which is 1.9 percentage points below the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 32428?
42.5%, which is 10.5 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
How many schools are in ZIP 32428?
7 schools serve this ZIP, including 7 public schools (NCES CCD, retrieved Apr 26, 2026). No charter schools are listed in this ZIP by NCES CCD.
Does ZIP 32428 have charter schools?
No charter schools are listed in ZIP 32428 by NCES CCD (retrieved Apr 26, 2026).
Are there high schools in ZIP 32428?
Yes, 5 high schools serve this ZIP: Chipley High School, Washington Academy Of Varying Exceptionalities (wave), Washington Virtual Instruction Program, and 2 more. (NCES CCD, retrieved Apr 26, 2026).
What is the population of ZIP 32428?
17,801 people live in ZIP 32428, with a median age of 40.6 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 32428?
$48,984 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 32428 mostly renters or homeowners?
In ZIP 32428, 78.8% of occupied housing units are owner-occupied and 21.2% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 32428?
In ZIP 32428, 5.9% of workers work from home. Public transit is used by 0.1% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 32428?
20.2% of the population in ZIP 32428 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 32428 have broadband internet?
87.9% of households in ZIP 32428 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 32428?
The typical home value in ZIP 32428 is $223,794, down 2.6% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 32428?
Home values are down 2.6% over the past year and up 28.0% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 32428?
The average Adjusted Gross Income reported on tax returns from ZIP 32428 (Chipley, FL) is $60,422 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 32428?
Tax returns from ZIP 32428 report an average of $73 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 32428 earn over $200,000?
2.9% of tax returns from ZIP 32428 (Chipley, FL) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 32428?
As of 2022, 355 business establishments operated in ZIP 32428 employing 3,491 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 32428?
The average annual pay across all local establishments in ZIP 32428 is $35,617, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 32428 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 32428 ranks in the 69th percentile nationally for social vulnerability — a high vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 32428?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 32428, ranking in the 76th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 32428 experienced?
FEMA has recorded 51 federal disaster declarations affecting ZIP 32428 between 1975–2024 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 32428?
Hurricane is the most common federally declared disaster type affecting ZIP 32428, accounting for 27 of 51 declarations (53%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 32428?
The most recent FEMA disaster declaration affecting ZIP 32428 was "HURRICANE HELENE" — a hurricane declared in 2024 (DR-4828) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 32428?
6 colleges and universities are listed near ZIP 32428 by the U.S. Department of Education College Scorecard, including Florida Panhandle Technical College, Gulf Coast State College, and Chipola College (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 32428?
Median in-state tuition across 6 nearby institutions is $3,120 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 32428?
Graduates of nearby colleges earn a median of $36,779 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 32428?
ZIP 32428 has an average annual temperature of 67.7°F and 60.8" of annual precipitation based on the CHIPLEY, FL US weather station 11.5 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Does ZIP 32428 have public transit?
Yes — ZIP 32428 is part of the Panama City--Panama City Beach, FL urbanized area, primarily served by Bay County Transportation Planning Organization (National Transit Database 2024, retrieved May 4, 2026).
What hospitals are in ZIP 32428?
1 hospital is located in ZIP 32428 1 is rated by CMS, with an average overall rating of 1.0 out of 5 stars (CMS Hospital Compare, 2024).
What taxes apply in ZIP 32428?
Florida has no state income tax. For a household earning the local median AGI of $60,422, this saves approximately $2,779 per year compared to the national average effective state tax rate. The combined state and local sales tax rate is 6.98% (Tax Foundation 2025).
Does Florida have paid family leave?
Florida runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).
What data is available for ZIP 32428?
This page covers health outcomes from CDC PLACES (33 metrics), school information from NCES CCD (7 schools), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (6 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (51 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), public transit coverage from the National Transit Database (2024), hospitals from CMS Hospital Compare, and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 26, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (51 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 32428
Nearby ZIPs by distance
32463 (Wausau, 1.2 mi) · 32420 (Alford, 11.5 mi) · 32438 (11.8 mi) · 32427 (Caryville, 14.6 mi) · 32431 (Jacob City, 15.3 mi) · 32462 (Vernon, 15.4 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 32428?
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Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
69th percentile
High Vulnerability
Based on 8 census tracts, population 15,480
Vulnerability Themes
Households Without Vehicle
183
Limited English Speakers
216
Persons with Disability
2,824
Without HS Diploma
1,705
Without Health Insurance
2,252
Adults Age 65+
2,673
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.