Chipley
Housing Market
Median sale price $227,990, up 4.8% year over year, with homes going under contract in about 69 days.
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Housing Market Analyst
Prices are up 4.8% versus the prior year and sellers are still collecting 95.9% of asking. Taken together, the data points to a broadly balanced market where preparation decides who wins.
Who has leverage right now
Leverage scores are derived from the Momentum Score (supply, demand, speed, pricing power, and trend). Right now the data favors sellers.
- Mortgage sensitivity — at 4.3× income, this market is moderately sensitive to rate moves; rate relief tends to show up in demand here quickly.
Derived from current Chipley data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
The read on Chipley
The median sale price across Chipley currently stands at $227,990, up 4.8% from a year ago. The typical home goes under contract in about 69 days. Sellers are capturing 95.9% of their original asking price on average.
Zillow's home value index for Washington County stands at $226,020. About 23% of listings county-wide have taken a price cut — a useful gauge of seller flexibility.
Weighing supply, demand, speed, pricing power, and trend together, the Momentum Score for Chipley is 59 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of August 6, 2026.
Chipley since 2013 — and where it’s heading
A median home here sold for $104,294 in 2013 and $236,281 over the last recorded year — 127% appreciation across 13 years of recorded sales.
Median sale price · 2013–2026 (1,066 recorded sales)
Days on market by year
Home value trend · Washington County (Zillow ZHVI)
For-sale inventory · county (Zillow)
What’s driving Chipley
Movers arriving report ~$49,399 average income. Source: IRS SOI county-to-county migration, 2022-2023
116 Citizens policies in force in Washington County — the state-backed insurer of last resort. Budget insurance into any Washington purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026
223 single-family · 0 multi-family · 8.8 per 1,000 residents. Future supply pressure starts here. Source: U.S. Census Bureau, Building Permits Survey, 2025
The calls we’re making from today’s data
The sharpest 1-yr median swing among tracked communities. Thin samples can exaggerate swings — verify with a comp analysis before treating it as trend.
Both sides have a case: buyers should negotiate on days-on-market, sellers should lean on the under-contract rate. Preparation, not the market, decides who wins a balanced tape.
Generated from today’s data by Momentum’s analysis engine and reviewed on a rolling basis by our broker team.
Neighborhoods on the move
| Leisure LakesChipley | $340K | ▲ 22% |
| Sunny HillsChipley | $228K | ▲ 3% |
| ChipleyChipley | $190K | ▲ -5% |
| ChipleyChipley | $190K | ▼ 5% |
| Sunny HillsChipley | $228K | ▼ 3% |
| Leisure LakesChipley | $340K | ▼ 22% |
| Sunny HillsChipley | $228K | 58 days |
| ChipleyChipley | $190K | 100 days |
| Leisure LakesChipley | $340K | 117 days |
Chipley ZIP codes
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in Chipley right now?
The data says conditions currently favor neither side decisively in Chipley — the Momentum Score reads 59/100. For buyers that means preparation over hesitation: well-priced homes still move fast, but there is more room to negotiate than a year ago. The right timing always depends on your rate, your equity, and how long you plan to stay — not just the market.
Is Chipley becoming more affordable?
No — the median sale price in Chipley is $227,990, up 4.8% versus the prior year, while sellers still capture 95.9% of asking price. Rising prices mean waiting has a cost; affordability hinges mostly on your rate.
Where are prices falling fastest in Chipley?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are Chipley (-5%); Sunny Hills (3%); Leisure Lakes (22%). Note that community-level medians move on small sale counts — a few high- or low-end closings can swing them — so treat these as leads for a comp analysis, not verdicts.
Which Chipley neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are Sunny Hills (58 days); Chipley (100 days); Leisure Lakes (117 days) — homes there go under contract well ahead of the market-wide pace of 69 days.
How does Chipley compare to the rest of Washington County?
Chipley's median of $227,990 runs 0% below the county-wide median of $227,990, and homes here take 69 days to go under contract versus 69 county-wide.
Chipley housing market FAQ
What is the median home price in Chipley?
The median sale price in Chipley is currently $227,990, up 4.8% from a year ago, based on MLS sales data updated August 6, 2026.
Is Chipley a buyer's or seller's market right now?
The data currently favors sellers. Chipley scores 59 of 100 on the Momentum Score. Conditions change; this page updates daily.
How long do homes take to sell in Chipley?
The typical home in Chipley goes under contract in about 69 days, per current MLS data.
Are home prices in Chipley rising or falling?
Median sale prices are up 4.8% year over year based on a rolling comparison of MLS sales.
Momentum agents use this intelligence every day to price listings and write winning offers across Chipley. Talk through what the numbers mean for your move.
Every number on this page is computed directly from licensed Florida MLS feeds, recorded public sales, Zillow Research, and U.S. Census data — nothing is manually adjusted or estimated by hand. Medians use recorded closed sales; supply figures use live listing counts refreshed twice daily; the Momentum Score methodology is summarized .
Analyst oversight: Jon Brooks — Co-Founder, Momentum Realty · CEO, Momentum Research · Housing Market Analyst · methodology reviewed quarterly · Last data refresh: August 6, 2026 at 7:18 PM ET
Statistics on this page are computed automatically from licensed MLS feeds and public data sources (Zillow Research, U.S. Census Bureau) and summarized without manual review. Figures are estimates based on recent recorded activity, are deemed reliable but not guaranteed, and should be verified with a licensed agent before making decisions. This page does not constitute an appraisal or an automated valuation of any specific property. Momentum Realty is licensed in Florida and Georgia. Equal Housing Opportunity.