Cost of Living in Chipley, FL
Population 3,678 · Florida · Data vintage 2023
(100 = US avg)
At $34,311, median household incomes in Chipley land roughly 54% below the US median, a gap that tends to persist across local labor-market indicators.
Located 80 miles west of Tallahassee, Chipley is far enough out that local conditions diverge meaningfully from the big-metro baseline. Median home values run roughly 52% lower than Tallahassee's $276,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Chipley
The median home value in Chipley is $132,800 — 56% below the national median of $305,000. Median rent runs $819/month, 38% lower than the national median of $1,314/month. The median household income of $34,311/year is 54% lower than the US median of $74,580. The local unemployment rate is 3.3%, below the national average of 4.8%. Florida charges no state income tax, a meaningful advantage for take-home pay. The climate averages highs of 79.2°F and lows of 55.4°F. Overall, Chipley has a cost of living index of 51 versus the US average of 100, meaning it is 49% less expensive.
Chipley has limited residential data
Detailed housing and income data is limited for this location. Here are the nearest cities with full cost of living data:
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 62 | 67 | 73 | 80 | 87 | 91 | 93 | 92 | 88 | 81 | 72 | 65 |
| Low °F | 39 | 42 | 48 | 54 | 62 | 69 | 72 | 72 | 67 | 56 | 45 | 41 |
🏫 Schools
NCES CCD 2019 — public school district data
Frequently Asked Questions
What is the cost of living in Chipley, FL?
Chipley has a cost index of 51 (100 = national average). It is 49% below the national average.
What is average rent in Chipley, FL?
The median gross rent in Chipley is $819 per month based on 2023 Census data.
What is the average home price in Chipley?
The median home value in Chipley is $132,800 according to Zillow and Census data.
What is the median income in Chipley?
The median household income in Chipley is $34,311 per year (2023 ACS 5-year estimates).
What is the sales tax in Chipley, FL?
The combined state and local sales tax rate in Chipley is 7.0%. Florida has no state income tax.
Is Chipley, FL affordable?
Yes, Chipley is generally considered affordable, with a cost of living index of 51 — about 49% below the US national average of 100.
What is the weather like in Chipley?
Chipley has average high temperatures of 79.2°F and average lows of 55.4°F. Data from NOAA 1991–2020 Climate Normals.
Chipley at a Glance
- Population
- 3,678
- Median Income
- $34,311
- Home Value
- $132,800
- Median Rent
- $819/mo
- Unemployment
- 3.3%
- Avg High Temp
- 79.2°F
- Sales Tax
- 7.0%
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Explore county-level cost of living data
Florida Rankings
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