32 new-construction homes are listed for sale in Chipley right now, across 2 communities and 1 builders. Most list between $198K to $283K; the median new build is $252,195. Everything on this page is from Momentum’s MLS record as of 2026-09-06 and refreshes as homes list and sell.
32
New homes listed
2
Communities
$252,195
Median new build
$198K to $283K
Typical range
$1,703
Est. monthly cost to own
1
Builders active
Newest new-construction listings in Chipley
The most recently listed new homes in Chipley, with photos. Each card opens the full listing with every photo, the community’s data, and a tour request.
Every Chipley community with new construction actively listed, the builder where the listing identifies one, how many homes are available, and the lowest current list price. Community names link to that community’s guide with its sales history and live inventory.
Counted by homes currently listed in Momentum’s MLS record, so this reflects who has inventory today rather than who has ever built here.
D.R. Horton — 12 new homes in Sunny Hills
New construction in Chipley by price
Under $300K: 30 homes
$300K – $400K: 2 homes
What a new build in Chipley costs to own
Take the median $252,195 new home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $1,303/month. Washington County’s typical millage of 15.35 puts property tax near $3,104/year after the $50,000 homestead exemption — and on a new build there is no seller’s capped bill to be misled by; the first-year bill is on the land alone and the full bill arrives the year after. Citizens’ average premium in Washington County is about $1,599/year; a new roof and current code usually earn a better private quote than that average. Where an HOA is listed the median is $8/month. All in, plan on roughly $1,703/month, plus any CDD assessment — most master-planned communities finance their infrastructure with a district bond that appears on the tax bill for years, and it is the number builders’ sales offices mention last.
How to buy new construction the smart way
The agent in the model home works for the builder. Bringing your own Momentum agent costs you nothing — the builder pays the commission either way — and gets you representation on the contract (builder contracts are one-sided by design), the upgrade pricing, the lender comparison (the builder’s preferred lender incentive is real but not always the best deal), an independent inspection at pre-drywall and at completion, and the walkthrough. Register your agent on your first visit; most builders will not honor representation after that.
Builders rarely cut list price on a to-be-built home, but completed inventory homes at the end of a quarter are a different negotiation: closing-cost credits, rate buydowns, and included upgrades are common, and the cards above show which homes have been sitting.
How many new construction homes are for sale in Chipley?
As of 2026-09-06, Momentum's MLS data shows 32 new-construction homes actively listed across 2 Chipley communities, most between $198K to $283K.
Who is building new homes in Chipley?
The most active builders right now are D.R. Horton (12), counted by homes currently listed.
What does a new construction home cost in Chipley?
The median new-build listing is $252,195. Ten percent of new homes list under $198K and ten percent above $283K.
What is the monthly cost of a $252,195 new build in Chipley?
Roughly $1,703 a month with 20% down at 6.71%: principal and interest of $1,303, Washington County property tax of about $259/month after the homestead exemption, insurance near $133/month at the Citizens county average, and a typical HOA of $8. Many new communities also carry a CDD assessment on the tax bill; ask for it on every home.
Should I use my own agent to buy new construction?
Yes. The sales agent in the model home represents the builder. A Momentum buyer's agent costs you nothing — the builder pays the commission — and handles the contract, upgrade pricing, lender comparison, inspections, and the final walkthrough. Register your agent on your first visit.
Do builders negotiate on price?
Rarely on the list price, but they routinely offer closing-cost credits, rate buydowns, and included upgrades, especially on completed inventory homes at quarter-end. That is where a buyer's agent earns their keep.
Using these figures? Link to this page as the source so readers can see the live numbers; they refresh from Momentum Realty’s MLS and county data (as of 2026-09-06). Suggested attribution:
<a href="https://movewithmomentum.com/new-construction-homes-chipley">New Construction Homes in Chipley, FL: 32 New Homes from $198K (September 2026) — Momentum Realty</a>
Counts, prices and photos are from Momentum Realty’s MLS record of active listings in Chipley communities as of 2026-09-06; a home is counted as new construction when the listing shows it as built this year or later or when a production builder is the listing office. Builder names come from listing data. Estimates are not guarantees. Equal Housing Opportunity.
The builder’s sales rep works for the builder. A Momentum agent represents you — at no cost to you — through contracts, upgrades, inspections, and closing. Smart on a new build.
