Everything You Should Know Before Moving to Chipley, FL
Considering a move to Chipley, FL? This welcoming city of 3,633 residents offers a low cost of living, with median home prices at $132,000 and average rents around $825. You'll enjoy a warm, sunny climate with 68% sunny days and short average commutes of about 20 minutes. While crime rates are above national averages, Chipley features access to local healthcare, small class sizes in its public schools, and affordable utilities. Explore its friendly, close-knit community in the heart of Florida’s Panhandle.
Demographics - Chipley, FL
Demographics - Chipley, FL
Chipley is home to approximately 3,600 residents, with a median age of 37 and a population density of 955 people per square mile. The community is predominantly White, with a significant Black population and a small percentage of Hispanic and other ethnic groups. The city has a slightly higher number of females and a modest presence of non-English speakers, contributing to its diverse yet close-knit feel.
Population:
3,633
Density:
955 per sq mi
Median Age:
37.1
Gender Ratio:
89 males per 100 females
Non-English Speakers Percentage:
6.2%
Ethnic Composition
White:
67.5%
Black:
24.0%
Others:
4.0%
Cost Of Living
What is the average cost of living in Chipley, FL?
Chipley offers an affordable cost of living, with median home values around $132,000 and average rents at $825 per month. Utilities and groceries are reasonably priced, and the overall cost of living index is well below the national average, making the city attractive for budget-conscious movers. State income taxes are low, adding to the financial appeal of living in this Florida community.
Median House Value:
$132,000
Gross Rent:
$825
Monthly Electricity Charges:
$140
Auto Insurance:
$2,080
House Owner Cost With Mortgage:
$1,040
House Owner Cost Without Mortgage:
$350
State Taxes:
Low:
0%
|
High:
5.5%
Cost Of Living Index:
83.2
Grocery:
95.1
Housing:
54.0
Utilities:
103.5
Transportation:
94.2
Health Care:
98.0
Miscellaneous:
90.3
Crime
Is Chipley, FL a safe place to live?
Crime rates in Chipley are above the national average, with a violent crime rate of 377 incidents per 100,000 people and a property crime rate of 2,142 per 100,000. Residents have a 1 in 265 chance of experiencing violent crime and a 1 in 47 chance of property crime annually. Prospective residents should consider local safety measures and neighborhood choice when relocating.
Violent Crimes Per 100k:
377
Property Crimes Per 100k:
2,142
Crime Index:
2,519
Chance Of Violent Crime:
1 in 265
Chance Of Property Crime:
1 in 47
Weather
What is the weather like in Chipley, FL year-round?
Chipley enjoys a mild, sunny climate, with winter temperatures ranging from 41°F to 63°F and summer highs reaching 92°F. The city sees about 68% sunny days each year and receives an average of 62 inches of rainfall, providing a comfortable environment for outdoor activities. Seasonal changes are moderate, making it appealing for those who prefer a warm, subtropical atmosphere.
Winter
Min:
41°F
Max:
63°F
Spring
Min:
53°F
Max:
79°F
Summer
Min:
72°F
Max:
92°F
Fall
Min:
54°F
Max:
80°F
Average Rainfall Inches:
62 inches
Sunny Days Percentage:
68%
Neighbors
Residents in Chipley experience a median household income of $41,700 and a family income of $51,300, with a poverty rate higher than average at 21.4%. Most people commute about 20 minutes to work, and public transportation use is minimal. The community is largely educated at least through high school, fostering a friendly, working-class atmosphere.
Median Income:
$25,500
Household Income:
$41,700
Family Income:
$51,300
Per Capita Income:
$17,800
Income Male:
$31,200
Income Female:
$25,100
Poverty Rate:
21.4%
Non English Speakers:
6.2%
Rent:
$825
Unemployment Rate:
4.6%
Public Transport Usage:
0.2%
Commute Time:
20.3 minutes
Education
High School or Higher:
81.3%
Bachelors or More:
11.2%
Education
How are the schools in Chipley, FL?
Chipley features several public schools with small class sizes, including Kate M. Smith Elementary, Roulhac Middle, and Chipley High School, as well as a private Christian school nearby. The city is also home to Florida Panhandle Technical College, offering local higher education opportunities, with additional colleges within a short drive. This range of educational options supports families and students at all levels.
Public Schools
Name:
Kate M. Smith Elementary School
Street:
1447 South Blvd
Phone:
850-638-6220
Students:
900
Student Teacher Ratio:
14.5
Name:
Roulhac Middle School
Street:
1535 Brickyard Rd
Phone:
850-638-6170
Students:
600
Student Teacher Ratio:
15.8
Name:
Chipley High School
Street:
1545 Brickyard Rd
Phone:
850-638-6100
Students:
560
Student Teacher Ratio:
17.2
Private Schools
Name:
Vernon Christian School
Street:
2665 Roche Ave, Vernon, FL
Phone:
850-535-2600
Students:
120
Colleges
Name:
Florida Panhandle Technical College
City:
Chipley
State:
FL
Distance:
0 miles
Students:
500
Name:
Chipola College
City:
Marianna
State:
FL
Distance:
28 miles
Students:
2,100
Healthcare
Chipley offers convenient access to healthcare, anchored by Northwest Florida Community Hospital providing general and emergency services. The city has about 1.6 physicians per 1,000 residents and strong health insurance coverage at 86.5%. Overall, healthcare is accessible and supports the needs of this small community.
Major Hospitals
Name:
Northwest Florida Community Hospital
Address:
1360 Brickyard Rd, Chipley, FL 32428
Phone:
(850) 638-1610
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
1.6
Health Insurance Coverage:
86.5%
Health Care Index:
66.4
Housing Market
What is the housing market like in Chipley, FL?
The Chipley housing market is notably affordable, with a median home price of $132,000 and average 2-bedroom rents at $825. Over half of the homes are owner-occupied, and the area has a low foreclosure rate and a healthy 7.2% annual home appreciation. This market is ideal for first-time buyers or those seeking budget-friendly housing options.
Median Home Price:
$132,000
Average Rent For 2 Bedroom:
$825
Owner Occupied Rate:
56.8%
Rental Vacancy Rate:
8.7%
Home Appreciation Rate (1yr):
7.2%
New Construction Rate:
1.4%
Foreclosure Rate:
0.9%
DMV Information
Residents can access vehicle and licensing services through the Florida Department of Highway Safety and Motor Vehicles at the local office on 2nd Street in Chipley. The DMV offers convenient in-person and online services for driver's licenses, vehicle registration, and title needs. For more information, visit the Florida DMV website or call the local office.
State:
Florida
Department:
Florida Department of Highway Safety and Motor Vehicles
Address:
680 2nd St, Chipley, FL 32428
Phone:
850-638-6280
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.