Residential delivery area · Maryland
ZIP Code 20732: Chesapeake Beach, MD
ZIP code 20732 uses the postal name Chesapeake Beach, Maryland and lies entirely in Calvert County (Census 2020 ZIP-county file). About 11,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $140,304 (Census Bureau, ACS 2020-2024). By Census place, 24% of its land lies in Chesapeake Beach; 76% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Chesapeake Beach · its only residential ZIP
- County
- Calvert County
- Census places
- Chesapeake Beach
- Neighborhoods
- Baycrest, Chesapeake Station, Stinnett, Windward Key GeoNames
- Metro area
- Lexington Park, MD
- House district
- MD-5 119th Congress
- State
- Maryland
- Time zone
- Eastern
- Land area
- 11.2 sq mi · 962 people per sq mi
Where is ZIP code 20732?
20732 centers on 38.655°, -76.543° and covers 11.2 square miles of land plus 1.5 of water. It borders 4 ZIP codes: 20689, 20714, 20736, 20639.
The map draws ZIP code areas only. For the streets inside 20732, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0); neighborhoods from the GeoNames gazetteer (CC BY 4.0), placed in this ZIP code by PlainZIP.
How does 20732 compare with the rest of Calvert County?
| Measure | 20732 | In Calvert County | In MD |
|---|---|---|---|
| People (ACS 2020-2024) | 10,722 | 4th of 14 | 174th of 477 |
| Median household income | $140k | 5th of 9 | 70th of 293 |
| Median home value | $449k | 8th of 11 | 143rd of 320 |
Its median household income is higher than in 95% of U.S. residential ZIP codes, and it is denser than 78% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 20732?
The 2020 Census counted 10,626 people in 20732; the ACS, which samples households over 2020-2024, estimates 10,722. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 10,722
- 2020 Census count
- 10,626
- Households
- 4,139
- Median age
- 43.7
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 20732?
Of the 10,722 people the ACS estimates in 20732, 21.8% are under 18 and 18.5% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (71.6%), then Black (not Hispanic) (11.9%).
- Under 1821.8%
- 18 to 6459.6%
- 65 and older18.5%
- White, not Hispanic71.6%
- Black, not Hispanic11.9%
- Other or two or more10.3%
- Asian, not Hispanic3.3%
- Hispanic or Latino2.8%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 20732 earn?
Median household income is $140,304 (ACS 2020-2024), the 5th highest of the 9 ranked ZIP codes in Calvert County.
- Median household income
- $140,304
- Income per person
- $59,236
- Below the poverty line
- 1.8%
- Unemployed (of the labor force)
- 2.8%
- Adults 25+ with a bachelor's degree
- 44.2%
- Adjusted gross income per tax return, 2022
- $98,4065,300 returns; wages 78% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 20732?
FHFA's house price index for 20732, built from repeat sales and appraisals of the same homes, rose 58% from 2015 to 2025 and rose 37% from 2020 to 2025, and moved +0.6% in 2025.
- Median home value (owners' estimate)
- $448,700
- Median gross rent
- $1,825
- Homes owned by their occupants
- 87.5%
- Housing units
- 4,489
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 20732?
101 business establishments had a location in this ZIP code in 2023, 2 fewer than in 2018; the most are in professional, scientific, and technical services (ZIP Code Business Patterns).
- Professional, scientific, and technical services17
- Other services (except public administration)15
- Accommodation and food services14
- Construction13
- Retail trade8
- Real estate and rental and leasing7
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 20732?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 20689 | Sunderland | 1,809 | $162k | 2.6 mi |
| 20714 | North Beach | 4,525 | $91k | 3.4 mi |
| 20736 | Owings | 9,960 | $160k | 4.7 mi |
| 20639 | Huntingtown | 15,544 | $161k | 5.0 mi |
| 20758 | Friendship | 714 | $241k | 6.0 mi (near) |
| 20779 | Tracys Landing | 883 | $179k | 7.3 mi (near) |
| 20754 | Dunkirk | 7,545 | $167k | 8.1 mi (near) |
| 20678 | Prince Frederick | 12,752 | $126k | 9.4 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.