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Place dossier plate
SheetFL-CHIPLEY-FL · Chipley, FL 3,678 pop · income 4th pct · 7 tracts
Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.
Income neighbourhood around Chipley
Lowest/highest poles plus peers nearest Chipley on median household income. Full ladder: /browse and /rankings.
median HH income
Montura · lowest
33,438
Montura · lowest
33,438 median HH income
20.7% of the leader · rank #1
Melbourne · near
34,303
Melbourne · near
34,303 median HH income
21.3% of the leader · rank #2
Chipley · this city
34,311
Chipley · this city
34,311 median HH income
21.3% of the leader · rank #3
Jackson · near
34,317
Jackson · near
34,317 median HH income
21.3% of the leader · rank #4
Browning · near
34,318
Browning · near
34,318 median HH income
21.3% of the leader · rank #5
Skidway Lake · near
34,320
Skidway Lake · near
34,320 median HH income
21.3% of the leader · rank #6
Taylor Lake · highest
161,191
Taylor Lake · highest
161,191 median HH income
100.0% of the leader · rank #7
What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.
Compare beyond this state
Nationwide peers by population, income
Out-of-state nearest neighbors for Chipley on ACS population and median household income
. Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.
Similar population
Nearest out-of-state cities by ACS population. This city: 3,678.
Nationally, Chipley sits in the 4th percentile for household income among US cities with a population of 1,000 or more. Source: Census ACS.
4th
percentile, household income
22nd
percentile, home value
73rd
percentile, median rent
📝 How we sourced this
Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.
Data Snapshot: Chipley, FL
Census ACS 2023 estimates count 3,678 residents in Chipley, a small town within Florida. Households in Chipley report a median income of $34,311 per year, in the lower quartile of U.S. cities for household income, with a poverty rate of 16.3%. Chipley's housing stock carries a median value of $132,800, and the median resident age is 33.0 years. 18.1% of adults here have a bachelor's degree or higher; 56.7% of working-age residents are in the labor force.
NOAA puts Chipley's yearly average temperature at 67.7°F with 60.8 inches of precipitation per year.
Florida carries a cost-of-living premium: on BEA's 100-equals-national-average cost index, Florida scores 103.4 (Above Average), per the 2024 Regional Price Parities release. Statewide, HUD pegs Fair Market Rent for a two-bedroom unit at $1,526 monthly. Statewide, average monthly utility bills in Florida run around $225, per EIA 2023 residential energy data. Natural-hazard exposure scores 75.7 out of 100 on FEMA's National Risk Index (High).
A decision-led reading path
Useful questions to ask of Chipley's data
How this reading path is ordered
This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from comparison shortlist to within-city variation to schools and households to population change to work and mobility to housing and income to climate and hazard context; another city can have a different sequence or fewer supported layers because the source joins are not uniform.
For Chipley, city-specific coverage includes annual population history, commute-mode shares, matched public-school count, within-city Census tract profiles.
No matched row is reported here for local building permits, FBI reported-crime rates; the page leaves those layers out instead of substituting a statewide or national value.
1. Comparison shortlist
Which cities make useful reference points for Chipley?
Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching.
Within Florida, the closest population matches are Montura (3,678 residents, $33,438 income); Indian Rocks Beach (3,667 residents, $98,279 income); North River Shores (3,655 residents, $73,635 income). Outside the state, the closest population matches in this dataset are Heyburn, ID (3,678 residents); Taylor Lake, TX (3,678 residents); Landmark, AR (3,679 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.
That layer breaks the citywide income, rent, and home-value medians into smaller Census geographies, which can reveal differences that one municipal median necessarily hides. A tract is a statistical area, not a locally defined neighborhood or a promise about conditions on a particular block. Start with the city profile for the broad comparison, then use the tract layer to test whether the same housing and income pattern is consistent across the city. Large within-city spreads are a reason to avoid treating any citywide median as a universal resident experience.
The city has a broader matched school footprint, but count alone does not describe performance, capacity, program availability, or attendance boundaries. This profile deliberately avoids converting it into an unsupported family-friendliness score.
The NCES join finds 6 public schools within the city match. 18.1% of adults age 25+ hold a bachelor's degree or higher in the ACS estimate. These measures answer different questions: the school count describes local institutions, while adult attainment describes residents and cannot be used as a school-quality rating.
Census PEP estimates show the population grew by +135 residents from 2020 to 2025, a +3.7% change. No comparable local building-permit series is available here, so population change should not be read as a housing-supply measure. PEP and ACS are different Census series, so the trend is kept separate from the headline ACS population.
Recent estimates point upward. Growth can increase housing demand and service needs, but the permit record must move in the same direction before calling it a supply response; the two series measure different things.
These joined records add useful context, but they do not need another full-size panel. Each remains a separate measure with its own geography and source boundary.
Work and mobility
What does the journey to work look like in Chipley?
Driving alone is the largest reported mode at 85.8%. A reliable mean commute time is not available for this row, so the mode shares carry the comparison.
Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. The profile is strongly car-oriented, so a relocation comparison should put trip distance, vehicle access, and household fuel costs ahead of a citywide commute average. The same-state peer links offer a more relevant benchmark than a national label.
Drive alone
85.8%
Work from home
2.0%
Public transit
0.0%
City-level Census ACS commuting estimates covering 1,531 workers age 16+.
How far does income reach against housing in Chipley?
This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. Income and home value move within the same broad scale here. The useful next check is not a generic affordability label, but whether similar-size cities offer a materially different income, housing, or commute trade-off.
The home-value-to-income reference sits in a middle range: the ACS median home value is 3.9 times median household income. The ACS poverty estimate is 16.3%, which keeps the citywide median from describing every household.
Value / income
3.9×
Home value
$132,800
Household income
$34,311
City-level Census ACS 2023 medians. The ratio divides two separate medians and is descriptive only.
The two sources should not be blended into one comfort or safety score. Use the climate values for baseline conditions and the risk index as a prompt to inspect specific hazards, insurance, and local emergency guidance for a particular address.
NOAA normals put the annual mean temperature at 67.7°F, with 60.8 inches of precipitation. FEMA's state-averaged National Risk Index score for Florida is 75.7 out of 100. Climate normals describe long-run weather; the FEMA score on PlainCities is a state average of county NRI inputs and combines hazards, exposure, vulnerability, and resilience.
FEMA risk index (state avg)
75.7
Annual precipitation
60.8 in
Mean temperature
67.7°F
NOAA Climate Normals and FEMA National Risk Index (state-averaged on PlainCities). Hazard context is not address-level.
Lowest-decile income · poverty 16.3% (High poverty)
Cost of Living Index (state)
103.4 (US=100)
Above-average cost · BEA RPP 2024, Florida average
F
City profile score · Chipley, FL
17/100
4 published dimensions · ACS/FBI 2023
Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians
(income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when
published. Higher means a stronger standing on those published figures, not a livability
rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out
and redistribute weight.
How it is calculated.
Bachelor's+ share F
18.1%
Adults with a bachelor's degree or higher; ACS.
Cost of living F
103.4 index
BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.
Poverty rate F
16.3%
Share of residents below the poverty line; lower scores better on this axis.
Household income F
$34,311
Median household income vs U.S. cities (pop ≥1,000); ACS.
Violent crime N/A
N/A
No FBI UCR violent-crime rate for this place (coverage is incomplete).
Chipley profile (scored ACS/FBI dimensions)Read the chart values
Bachelor's+ share: 29/100 (F) · 18.1%
Cost of living: 25/100 (F) · 103.4 index
Poverty rate: 20/100 (F) · 16.3%
Household income: 0/100 (F) · $34,311
How does Chipley compare to other US cities?
Here's how Chipley stacks up against the full field of US cities (population 1,000+), computed live from Census and FBI data.
Household income4% higher than other cities
Home value22% pricier than other cities
Median rent73% pricier than other cities
"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.
How we calculate these percentiles & ranks
Each percentile compares Chipley against every qualifying US city; each in-state rank narrows that to Florida only. Full formula and direction notes: methodology.
Florida-relative analysis
Median Gross Rent places Chipley near the bottom of Florida's cities
Among the 930 Florida cities PlainCities tracks with reported median gross rent data, Chipley ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Chipley only against its own state's cities, not the full US field.
Median Household Income
#880 of 903
3rd percentile in Florida
Median Gross Rent
#1 of 930
0th percentile in Florida
Median Home Value
#801 of 894
10th percentile in Florida
Poverty Rate
#182 of 930
80th percentile in Florida
Bachelor's Degree or Higher
#650 of 930
30th percentile in Florida
How in-state ranks are ordered
Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Florida only, not a livability score. See the methodology for the source and calculation.
Gauge source note
4th percentile nationally for median household income. Source: Census ACS 2023 / FBI UCR 2023.
How Chipley's home value compares nationally
Median home value vs. every US city (population 1,000+)
$132,800Among the most affordablemore affordable than 78% of 15,600 US cities
Show national distribution
Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau ACS 5-Year Estimates · 2023
Chipley's home-value-to-income ratio: 3.9×
ACS median home value divided by median household income.
Band
moderate
3.0–5.0×
National rank
#10,289 of 15,516
More affordable than 34% of tracked cities (pop. 1,000+)
Size class
#8,100 of 11,323
Micro cities (under 10,000)
At 3.9×, Chipley sits in the moderate band:
national rank #10,289 of 15,516 and #8,100 of 11,323micro cities (under 10,000).
Income and home value move in the same broad scale; check same-state peers before treating the multiple as an advantage or a warning.
How this ratio is calculated
Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000.
Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0).
This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.
Income distribution context
$34,311Chipley, FL median household income (Census ACS)
Show U.S. national quintile / Lorenz context Chipley, FL median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for Chipley, FL.
Key socioeconomic indicators
Bachelor's degree or higher (adults 25+)18.1%
Census ACS S1501, educational attainment
Poverty rate (households below FPL)16.3%
Census ACS S1701, poverty status
Labor force participation (adults 16+)56.7%
Census ACS S2301, share of working-age residents in the labor force
Population
3,678
Median Income
$34,311
Median Home Value
$132,800
Median Age
33.0
Poverty Rate
16.3%
Labor force participation
56.7%
Bachelor's Degree+
18.1%
Climate
Avg Temperature
67.7°F
Annual Precipitation
60.8"
Annual Snowfall
0.0"
Schools
Total Schools
6
Public schools in this city
Population Change
PEP vintage
Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025
Chipley's Census PEP population estimates, 2020–2025.Read the chart as text
Period
Population
2020
3,669 residents
2021
3,668 residents
2022
3,710 residents
2023
3,729 residents
2024
3,750 residents
2025
3,804 residents
Commute Patterns
Commute source
How workers travel to work, Census ACS 2023
Drive Alone
85.8%
Carpool
12.1%
Public Transit
0.0%
Walk
0.0%
Work from Home
2.0%
Based on 1,531 workers 16 and over.
Monthly Utility Costs
Florida statewide monthly utility average (EIA 2023): $225
EIA 2023 residential energy data puts average monthly utilities across Florida at $225 (electricity about $145 , water and sewer about $55 ).
These are Florida statewide averages, not a meter reading for Chipley. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.
Living Costs & Risk
Florida's BEA cost-of-living index is 103.4 (Above Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around Chipley is $1,526/mo. FEMA's National Risk Index, averaged to Florida statewide on PlainCities, rates natural-hazard exposure at 75.7 / 100 (High).
Cost/risk geography note
Cost of living is a Florida statewide BEA average; rent is a county-level HUD Fair Market Rent for the county Chipley sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.
How Chipley compares to similar-size Florida cities
Same-state peer method
Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.
Source: U.S. Census Bureau ACS 5-Year 2023, NOAA Climate Normals, NCES CCD, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.