Chipley, Washington County, Florida Property Taxes

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Property Taxes in Chipley, Florida

Median Chipley, Florida effective property tax rate: 0.76%, significantly lower than the national median of 1.02%, and lower than the Florida state median of 1.10%.
Median Chipley, Florida home value: $136,739
Median annual Chipley, Florida tax bill: $1,037, $1,363 lower than the national median property tax bill of $2,400.

How are property taxes in Washington calculated?

Property taxes in Chipley, Florida are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding Chipley’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Chipley, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

Chipley, Washington County, Florida Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

0.76%

Estimate Property Tax Bill

$1,039

$964

How Does the Chipley Property Tax Calculator Work?

Use this Chipley property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Chipley's median effective tax rate of 0.76% — based on actual property records in Washington County — to generate your estimate.

Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Chipley's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.

Your bill may vary by ZIP code within Chipley: rates range from 0.76% in 32428 to 0.76% in 32428, primarily due to differences in school district levies and local assessment districts.

For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Chipley.

About Chipley Property Taxes

About Property Taxes in Chipley, Washington, Florida

Chipley's median effective property tax rate of 0.76% is lower than the Florida state median of 1.10% and lower than the national median of 1.02%. This rate reflects the Washington County base levy combined with local school district levies and Municipal Service Benefit Units (MSBUs) that vary by subdivision throughout the city.

Property tax rates are not uniform across Chipley. Homeowners in the 32428 ZIP code carry a median effective rate of 0.76%, while those in the same ZIP code pay 0.76%. This spread reflects how school district boundaries and local assessment districts are drawn across Washington County. Understanding which part of Chipley you live in can make a meaningful difference to your annual tax bill.

Chipley homeowners who believe their assessed value is too high can file a formal appeal with the local Property Appraiser before the September 15, 2026 deadline each year.

If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.

Property Tax Rates Across Chipley, Washington County, Florida

As noted earlier, local government entities set tax rates, which can vary widely within a state.

Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.

While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.

Below, you can compare Chipley's effective property tax rate to other cities in Florida and the median property tax rates in Florida and the U.S.

Property Tax Rates Across Chipley, Washington County, Florida

Source: Ownwell

0.59%

0.90%

1.22%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Chipley Tax Rate

0.76%

Median Effective Washington County Tax Rate

0.78%

Median Effective Florida Tax Rate

1.10%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Chipley, Washington County, Florida

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
32428	0.29%	0.45%	0.76%	1.25%	1.37%

Source: Ownwell

Property Tax Assessment Values Across Chipley, Washington County, Florida

When examining property taxes in Chipley, Florida, understanding the distinction between "market value" and "assessed value" is crucial.

The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Washington County property appraiser estimates the market value for tax purposes.

The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

Assessment notices:

In Washington County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of March.

Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Chipley.

For example, the median home price in Chipley is $136,739, with tax bills ranging significantly across the county. 32428 has the highest median home price at $136,739.

Property Tax Assessment Values Across Chipley, Washington County, Florida

Source: Ownwell

$79,732

$108,236

$136,739

Median Chipley Market Value

$136,739

Median Washington County Market Value

$125,374

Median Florida Market Value

$310,033

Median United States Market Value

$235,294

Property Tax Assessment Values Across Chipley, Washington County, Florida

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
32428	$51,748	$89,060	$136,739	$197,548	$266,902

Source: Ownwell

Property Tax Bills Across Chipley, Washington County, Florida

Property tax bills in Chipley are based on the assessed value of a home and the local tax rate set by taxing authorities in Washington County. When a property’s market value rises, the assessed value can increase as well, which may lead to a higher tax bill. Homeowners may also be affected by exemptions or other local factors that reduce the amount owed.

For Chipley homeowners, the median home price is $136,739, and the typical tax bill is $1,037 in ZIP code 32428. Tax bills can vary widely, with the 25th percentile at $505, the 75th percentile at $1,744, and the 90th percentile at $2,592. Compared with the national median property tax bill of $2,400, Chipley’s typical bill is lower, which can make homeownership more affordable for many residents. Still, even a modest increase in assessed value can affect monthly budgets and long-term housing costs.

Property Tax Bills Across Chipley, Washington County, Florida

Source: Ownwell

$491

$764

$1,037

Median Chipley Tax Bill

$1,037

Median Washington County Tax Bill

$928

Median Florida Tax Bill

$3,263

Median United States Tax Bill

$2,400

Property Tax Bills Across Chipley, Washington County, Florida

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
32428	$285	$505	$1,037	$1,744	$2,592

Source: Ownwell

Don't miss the deadline to petition!

Dates
Appeal Deadline	September 15

Links
Washington Property Appraiser
Website	qpublic.schneidercorp.com

Frequently Asked Property Tax Questions in Chipley, Florida

How are property taxes calculated in Chipley, Florida?

Property taxes in Chipley, Florida are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.

How do I appeal my property taxes in Chipley, Florida?

To appeal your property taxes in Chipley, Florida, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.

What property tax exemptions are available in Chipley, Florida?

Common property tax exemptions in Chipley, Florida include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.

When are property taxes due in Chipley, Florida?

Property tax deadlines in Chipley, Florida vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.

How can Ownwell help reduce my property taxes in Chipley, Florida?

Ownwell provides professional property tax appeal services in Chipley, Florida. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.