| ZIP Code | 20732 |
|---|---|
| City | Chesapeake Beach |
| State | Maryland (MD) |
| County | Calvert County |
| Area Code | 227/240 |
| Elevation | 142 ft |
| Latitude | 38.65514 |
|---|---|
| Longitude | -76.542571 |
| Timezone | New York (DST) |
| FIPS | 24009 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 43.3 yrs ↑ 15% since 2019 |
|---|---|
| Avg Household Size | 2.61 |
| Below Poverty | 2.3% ▼ 77% below avg |
| College Grads | 49.2% ▲ 27% above avg |
| Unemployment | 2.9% ▼ 41% below avg |
| No HS Diploma | 65 (0.9%) |
| HS Graduate | 1,690 (23.3%) |
| Some College | 1,153 (15.9%) |
| Associates | 777 (10.7%) |
| Bachelors | 550 (7.6%) |
| Graduate Degree | 3,019 (41.6%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $135,925 ▲ 78% above avg ↑ 28% since 2019 |
|---|---|
| Median Home Value | $426,300 ▲ 53% above avg ↑ 24% since 2019 |
| Home/Income Ratio | 3.1x (nat avg ~3.5x) |
| Median Rent | $1,578/mo ↓ 4% since 2019 |
| Total Units | 4,512 |
| Vacant Units | 327 |
| Avg HH Size | 2.61 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 4,512 |
|---|---|
| Vacant | 327 |
| Owner Occupied | 87.7% |
| Renter Occupied | 12.3% |
| Avg HH Size | 2.61 |
ZIP code 20732 is located in Chesapeake Beach, Maryland, within Calvert County. With a population of 10,940, this is a lightly populated ZIP code with a middle-aged community — the median age is 43.3 years. Economically, 20732 is a upper-middle-income ZIP code: the median household income of $135,925 is significantly above the national average.
Real estate in ZIP code 20732 represents a premium housing market. The median home value of $426,300 is significantly above the national average. Renters can expect to pay around $1,578 per month in median rent. Homeownership is strong here — 87.7% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 24% since 2019.
The population of 20732 is primarily White (73.67%). Residents are well-educated — 49.2% hold a bachelor's degree or higher, which is above the national average. Poverty affects a relatively small share of residents at 2.3%. Household income has grown by 28% since 2019.
The unemployment rate in 20732 stands at 2.9%, which is below the national average. About 19% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 71%.
Overall, ZIP code 20732 in Chesapeake Beach, MD is characterized as upper-middle-income, well-educated, a middle-aged community, and predominantly owner-occupied. With 10,940 residents, a median household income of $135,925, and a median home value of $426,300, it offers a clear picture of life in this part of Maryland.