HomeFloridaWashington CountyChipley
Chipley, Florida: commercial real estate data.
Chipley is a Census city of 3,683 people across 4.40 square miles of land, in Washington County. Median household income is $46,193, 65.7 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $3.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Chipley
What Chipley is
- Census place typecity
- Land area4.4 sq mi
- Water area0 sq mi
- Population per square mile of land837
- County holding the largest share of its areaWashington County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chipley
How many people live in Chipley
- Population3,683
- Median age37.9
- Population under 18849 plus or minus 291
- Share under 1823.1 percent plus or minus 7.9
- Population 65 and over616 plus or minus 160
- Share 65 and over16.7 percent plus or minus 4.3
- Households1,512
- Family households993
- Share of households that are families65.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chipley
Income and work in Chipley
- Median household income$46,193 plus or minus $12,961
- Per capita income$28,094
- Civilian labor force1,646
- Employed1,581
- Unemployed65 plus or minus 37
- Unemployment rate3.9 percent plus or minus 2.2
- Adults 25 and over2,606
- Adults 25 and over with a high school diploma or higher88.0 percent
- Adults 25 and over with a bachelor degree or higher17.1 percent plus or minus 6.7
- Adults 25 and over with a graduate degree7.1 percent plus or minus 3.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chipley
Housing in Chipley
- Housing units1,796
- Occupied units1,512
- Vacant units284 plus or minus 131
- Vacancy rate15.8 percent plus or minus 7.1
- Owner occupied993
- Renter occupied519 plus or minus 171
- Ownership rate65.7 percent
- Median owner-occupied home value$143,700
- Median gross rent, monthly$761
- Annual rent as a share of median income19.8 percent plus or minus 6.5
- Single family units1,277
- Share single family71.1 percent
- Units in buildings of two or more289 plus or minus 148
- Share in buildings of two or more16.1 percent plus or minus 8.1
- Mobile homes230 plus or minus 126
- Median year structure built1972
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chipley
How Chipley gets to work
- Workers 16 and over who commute1,565
- Commuting under 15 minutes385 plus or minus 194
- Share commuting under 15 minutes24.6 percent plus or minus 12.0
- Commuting 30 minutes or more935 plus or minus 253
- Share commuting 30 minutes or more59.7 percent plus or minus 14.1
- Drove alone87.5 percent
- Carpooled9.2 percent plus or minus 7.4
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home3.3 percent plus or minus 3.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chipley
SBA loans in Chipley (7(a))
- Approvals5
- Gross approval$3,585,800
- Average approval$717,160
- Median approval$394,200
- Largest approval$2,370,000
- Jobs supported40
- Jobs per approval8.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more40.0 percent
- Share to franchises20.0 percent
- Distinct lenders4
- Distinct industries by NAICS4
Counted by borrower city: approvals to borrowers whose address is in Chipley, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Chipley
SBA loans in Chipley (504)
- Approvals3
- Gross approval$453,000
- Average approval$151,000
- Median approval$142,000
- Largest approval$193,000
- Jobs supported12
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Chipley, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Chipley
Flood risk in Chipley
- NFIP communityCity of Chipley
- NFIP community number120325
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date07/04/11
The City of Chipley participates in the National Flood Insurance Program as community 120325 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Washington County, not Chipley
Washington County context, not Chipley figures
- Establishments in Washington County445
- Covered employment, Washington County6,230
- Average annual pay, Washington County$45,572
- Housing units permitted, Washington County217
Every figure in this section is published for Washington County as a whole and is not a measurement of Chipley.
All Washington County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Chipley questions, answered from the record.
How many people live in Chipley, Florida?
3,683, in 1,512 households. Chipley city covers 4.40 square miles of land, which is 837 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Chipley in?
Washington County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Chipley?
$46,193. The median owner-occupied home is valued at $143,700. Median gross rent is $761 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Chipley businesses?
5 7(a) approvals totaling $3.6 m since FY2020, across 4 lenders, median approval $394,200, plus 3 504 approvals worth $453,000 since FY2010. These count approvals to borrowers whose address is in Chipley, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Chipley borrowers get paid back?
No rate is published for Chipley. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Chipley in the National Flood Insurance Program?
Yes. Chipley appears in the FEMA Community Status Book as Chipley, city of, community 120325, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Chipley figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Washington County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Chipley.
Is zoning published for Chipley?
No. Nothing on this page presents parcel level zoning.
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