Chipley
Homes for Sale in Chipley, FL
All 18 homes for sale in Chipley, FL · median $204,950 · 125 homes for sale in 32428 · Washington County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via CPAR MLS
As of November 2026, Chipley in Chipley, FL has 4 homes for sale, asking from $79,900 to $650,000 (median $200,000). Homes listed or recently sold were built 1936–1983; none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 104 ft).
Last 30 days in Chipley: 1 new listing (median asking $79,900). As of November 11, 2026, Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate.
Homes For Sale Right Now in Chipley
Live MLS inventory for Chipley. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 1608 daysTop listing
Active · 89 days
Active · 181 days
Active · 3 daysActive and pending Chipley listings as of 2026-11-11, priced high to low. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Tap any home to ask about it.
Chipley's median price sits at $190,000 across 490 homes on record, and the story here is age and condition more than location scarcity. Median year built lands right around 1955, and the full range runs from 1886 up to new construction completed in 2024, so buyers are choosing between a genuine legacy home and something recently built, with very little standardized in between.
A market heat score of 32 and a median 100 days on market tell you this is not a competitive, fast-clearing market right now. Pricing is down 5.0% year over year, and with only 10 closings in the current window, the data set is thin enough that a single sale can move the average. That favors buyers willing to negotiate on condition and sellers who price to the home's actual state rather than the neighborhood average.
Figures in this note are as of July 28, 2026. The live market numbers elsewhere on this page update nightly and are newer.
The 60-Second Overview
Chipley is a small, established Washington County market where median living space runs about 1,565 square feet and just over half of homes (55.1%) are homesteaded, pointing to a base of longer-term ownership rather than fast turnover.
CPAR sales records identify 14 homes in Chipley that have changed hands since 2022, built between 1927 and 2020 (median 1981), with a median living area of about 1,700 sq ft and a typical 3-bedroom, 2-bath layout. Source: CPAR closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 6 qualified sales in Chipley across 2024–2025 (2 in 2024, 4 in 2025), median $245,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Chipley. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
ChipleyChipleyChipleyChipleyPhotos from CPAR MLS listings in Chipley; content deemed reliable but not guaranteed.
Who Chipley is best for.
Best for
- Buyers who want to evaluate a home on inspection and condition rather than lean on neighborhood amenities
- Buyers targeting a lower entry price point who can budget for updates to an older home
- Buyers open to a longer closing timeline in a market that is currently moving slower than average
Probably not for
- Buyers who want a managed community with pools, clubhouses, or organized common areas
- Buyers who need a fast, competitive-offer environment with quick turnaround
- Buyers unwilling to budget for the maintenance realities of a home built well before recent construction standards
The market around Chipley
Chipley is too small for its own price trend, so here is the market around it.
In ZIP 32428, 102 homes are on the market and 19% are under contract — a steady corner of Chipley.
Across Washington County, 109 homes are active and 29 pending (21% under contract).
In ZIP 32428 (Chipley), 65 homes closed in the last 12 months at a median of $233K, with a median 65 days on market. Right now 71 active and 16 pending listings put supply at about 13.1 months — a buyer's market. See the live ZIP 32428 housing market and the Washington County market.
ZIP and county figures describe the wider market, not Chipley specifically. Momentum Research analysis of MLS records.
Chipley on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from CPAR MLS. Map data © OpenStreetMap contributors.
The Chipley buying strategy.
If we were buying in Chipley today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Chipley.
A market defined by age and condition, not amenities
There is no identified community amenity package here — no clubhouse, pool, or HOA-run feature showing up in current MLS listings. What you're buying in Chipley is the house and the lot, not a lifestyle package, which means condition, lot specifics, and the age of major systems carry more weight in a purchase decision than they would in an amenitized subdivision.
With a median year built around 1955 and a range stretching back to 1886, inspections matter more here than in newer-build markets. At the same time, the presence of homes built as recently as 2024 shows there is a thread of new construction running through the county alongside the older housing stock. The 100-day median days-on-market and the 5.0% year-over-year pullback suggest sellers should expect a longer marketing runway and price with the home's condition in mind rather than assuming quick, competitive offers.
The location and the amenities are priced into every listing in Chipley. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin on recent closings and this wide in home age, pricing a listing or evaluating an offer takes more judgment than formula. We walk sellers through what condition and age are actually doing to comparable value, and we help buyers understand which older homes are priced fairly for their state versus which ones are priced on hope.
Chipley in 15 seconds.
Tools for a Chipley buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Chipley sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Chipley, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Chipley home worth?
Get a no-obligation home value based on real comparable sales in Chipley, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Chipley →
Recently off market in Chipley
Homes in Chipley that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 4 on record.
- 1395 Warren Avenue · off market
- 698 Bradley Lane · off market
- 768 Main Street · off market
- 815 5th Street · off market
| Location | Chipley, Washington County, FL · ZIP 32428 |
|---|---|
| Homes in the community | 78 (FL DOR 2025 assessment roll) |
| Years built | 1901–2006 (median 1936.5) |
| Typical living area | 1,898 sq ft (median) |
| For sale right now | 4 active, 0 pending · median asking $200,000 |
| Owner-occupied (homestead) share | 48% |
Data as of November 11, 2026. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Chipley key facts,” movewithmomentum.com/neighborhoods/chipley, data as of November 11, 2026.
Housing distress & ownership in Chipley, Chipley
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing information provided by the Central Panhandle Association of REALTORS®. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
Every Home for Sale in Chipley Right Now (4)
All 4 active and pending Chipley listings with a detail page, newest first, refreshed twice a day from the MLS.
- 783 West Boulevard, Chipley, Fl 32428 · $225,000 · 3 bd / 2 ba · listed Sep 8, 2026 · listed by Bettie's Country Realty
- 1908 Gravel Pit Road, Chipley, Fl 32428 · $79,900 · 3 bd / 3 ba · listed Sep 7, 2026 · listed by Legacy Premier Agency
- 896 Main Street, Chipley, Fl 32428 · $650,000 · 5 bd / 3 ba · listed Aug 13, 2026 · listed by Southern Way Realty, Inc.
- 704 Main Street, Chipley, Fl 32428 · $175,000 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by Coldwell Banker Realty
More Chipley home searches
- All homes for sale in Chipley, FL
- Homes for sale in Washington County, FL
- 4-bedroom homes for sale in Chipley
- Chipley home values: what is my house worth?
- ZIP 32428 housing scorecard
Chipley guides & data
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
17% of homes for sale in ZIP 32428 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-11-12).
What it really costs to own in Chipley
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $1,430/yr across 8 listings here (MLS tax records, 2026-11-12). |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Washington County is $1,599/yr (116 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 1952 across 8 listings. An original roof here would be about 74 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Chipley
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Chipley
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Chipley will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
How many homes are in Chipley?
What share of Chipley is owner-occupied?
When were the homes in Chipley built?
Who is the best real estate agent for Chipley?
How do I find a top Chipley real estate agent who knows Chipley?
Can Momentum Realty connect me with an agent for Chipley?
Where is Chipley, and what county is it in?
Should you buy in Chipley?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | CPAR MLS, refreshed twice daily (last: November 11, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 32428)) |
| Under-contract shares | CPAR MLS records, as of 2026-11-11 |
| Historical depth | Closed-sale records back to 2026 (2 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of CPAR MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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