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All market snapshots / 32428

Chipley, FL 32428 Housing Market

Data snapshot: September 14, 2026. Closed-sale window: last 6 months.
Chipley, FL inventory balance
Homes for sale vs homes under contract. Pending-to-active ratio: 0.09
ActiveActive listings: 7878PendingPending sales: 77
Chipley, FL: what sellers ask vs what buyers pay
Median asking price of current listings vs median closed sale price over the last six months
AskingMedian asking price (current listings): $247k$247kSoldMedian sold price (last 6 months): $240k$240k
What homes actually sell for in Chipley, FL
Distribution of 219 closed sale prices over the last six months (5th to 95th percentile). Middle half of sales: $183k to $304k
$96k to $153k: 17 sales$96k$153k to $210k: 48 sales$210k to $266k: 62 sales62sales$210k$266k to $323k: 35 sales$323k to $380k: 18 sales$323k$380k to $436k: 7 sales$436k to $493k: 7 sales$436k$493k to $550k: 3 salesMedian $240k

What the numbers say

As of September 14, 2026, Resideline is tracking 78 active listings and 7 pending sales in ZIP code 32428. That pending-to-active ratio of 0.09 points to a balanced market: buyers have room to compare options and negotiate.

The median asking price of current listings is $246,900, while the median of the 219 closed sales Resideline tracked over the last six months was $240,000. Those two figures describe different sets of homes, so any gap between them reflects the mix of what is listed now versus what recently sold, not a negotiating discount. Resideline has been seeing the median active listing in 32428 for 64 days.

Frequently asked questions

What is the median home price in 32428?

The median closed sale price in Chipley, FL 32428 was $240,000 over the last six months, based on 219 closed sales tracked by Resideline. The middle half of those sales ranged from $182,888 to $304,400.

Is 32428 a buyer's or seller's market?

Resideline is currently tracking 7 pending sales against 78 active listings in 32428, a pending-to-active ratio of 0.09. Ratios of 0.6 or higher usually indicate a seller's market, 0.35 to 0.6 a competitive market, and lower values a more balanced one. By that yardstick, 32428 currently looks like a balanced market.

Nearby ZIP code market data

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