diff --git a/httplib.h b/httplib.h
index ffefe12f2c..60acf2d542 100644
--- a/httplib.h
+++ b/httplib.h
@@ -7386,8 +7386,17 @@ inline ReadContentResult read_content_chunked(Stream &strm, T &x,
 }
 
 inline bool is_chunked_transfer_encoding(const Headers &headers) {
-  return case_ignore::equal(
-      get_header_value(headers, "Transfer-Encoding", "", 0), "chunked");
+  // RFC 9112 6.1: a message is framed with the chunked coding when "chunked"
+  // is the final transfer coding. The field value may list several codings
+  // (e.g. "gzip, chunked"), so match the last coding token case-insensitively
+  // rather than comparing the whole field value against "chunked".
+  auto value = get_header_value(headers, "Transfer-Encoding", "", 0);
+
+  std::string last_coding;
+  split(value, value + std::strlen(value), ',',
+        [&](const char *b, const char *e) { last_coding.assign(b, e); });
+
+  return case_ignore::equal(last_coding, "chunked");
 }
 
 template <typename T, typename U>
@@ -13220,9 +13229,8 @@ ClientImpl::open_stream(const std::string &method, const std::string &path,
     handle.body_reader_.content_length = content_length;
   }
 
-  auto transfer_encoding =
-      handle.response->get_header_value("Transfer-Encoding");
-  handle.body_reader_.chunked = (transfer_encoding == "chunked");
+  handle.body_reader_.chunked =
+      detail::is_chunked_transfer_encoding(handle.response->headers);
 
   auto content_encoding = handle.response->get_header_value("Content-Encoding");
   if (!content_encoding.empty()) {
diff --git a/test/test.cc b/test/test.cc
index 51e0cf0aeb..df9c9e3ee8 100644
--- a/test/test.cc
+++ b/test/test.cc
@@ -420,6 +420,38 @@ TEST(SanitizeFilenameTest, VariousPatterns) {
   EXPECT_EQ("", httplib::sanitize_filename("   "));
 }
 
+// Forward declaration (see base64_encode note below) so the split build can
+// see the symbol from the test.
+namespace httplib {
+namespace detail {
+bool is_chunked_transfer_encoding(const Headers &headers);
+} // namespace detail
+} // namespace httplib
+
+TEST(ChunkedTransferEncodingTest, DetectsChunkedAsFinalCoding) {
+  auto with_te = [](const char *te) {
+    Headers h;
+    if (te) { h.emplace("Transfer-Encoding", te); }
+    return h;
+  };
+
+  // Sole coding, matched case-insensitively.
+  EXPECT_TRUE(detail::is_chunked_transfer_encoding(with_te("chunked")));
+  EXPECT_TRUE(detail::is_chunked_transfer_encoding(with_te("Chunked")));
+  EXPECT_TRUE(detail::is_chunked_transfer_encoding(with_te("CHUNKED")));
+
+  // RFC 9112 6.1: chunked as the final coding of a list still frames the body.
+  EXPECT_TRUE(detail::is_chunked_transfer_encoding(with_te("gzip, chunked")));
+  EXPECT_TRUE(detail::is_chunked_transfer_encoding(with_te("gzip,chunked")));
+  EXPECT_TRUE(detail::is_chunked_transfer_encoding(with_te("gzip, Chunked ")));
+
+  // Not chunk-framed: chunked absent, or not the final coding.
+  EXPECT_FALSE(detail::is_chunked_transfer_encoding(with_te("gzip")));
+  EXPECT_FALSE(detail::is_chunked_transfer_encoding(with_te("chunked, gzip")));
+  EXPECT_FALSE(detail::is_chunked_transfer_encoding(with_te("")));
+  EXPECT_FALSE(detail::is_chunked_transfer_encoding(with_te(nullptr)));
+}
+
 // Forward declaration: in split builds split.py strips `inline` and moves the
 // definition into httplib.cc, so detail::base64_encode is not visible from the
 // public httplib.h. Re-declaring it here lets the tests link against the symbol