PlainZIP

Chesapeake Beach, MD · standard

ZIP Code 20732

Calvert County, Maryland - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

9,919
376/sq mi
$140,304
Median income
$448,700
Median home value
44.2%
Bachelor's or higher

The verdict

Chesapeake Beach pairs a top-decile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 5%
household income, US ZIPs
Top 16%
home value, US ZIPs
376
people per sq mi
88%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 20732 against every reporting US ZIP.

ZIP code 20732 is a mid-sized community (a standard USPS delivery area) in Chesapeake Beach, Calvert County, Maryland, home to 9,919 residents across 26.4 square miles, a density of 376 people per square mile, in the New York time zone.

ZIP 20732 skews affluent, with a median household income of $140,304 (23% above the Maryland average), while per-capita income is $59,236. Local economic indicators show a 1.8% poverty rate alongside 2.7% unemployment. The typical home here is valued at $448,700 (0% above the state average); renters pay a median of $1,825 monthly, and 87.5% of units are owner-occupied.

A solid share of residents have a four-year degree: 44.2% of adults hold a bachelor's degree or higher, the median age is 43.7, and the average commute is 42 minutes. To put 20732 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Calvert County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 20732

Top 5 sectors by establishment count in Chesapeake Beach, MD

Which industries have the most business establishments in ZIP 20732.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 20732, Chesapeake Beach, MD · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

9,919

Population

26.4

Area (sq mi)

376

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 20732?

43.7

Median Age

47.5%

Male

52.5%

Female

2.5%

Foreign-Born

White 72.6%
African American 11.9%
Asian 3.3%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 11.1%
Hispanic or Latino 2.8%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$140,304

Median Household Income

+23% vs state

$59,236

Per Capita Income

1.8%

Poverty Rate

2.7%

Unemployment Rate

41.9 min

Mean Commute Time

How ZIP 20732 ranks nationally

Chesapeake Beach, MD household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$140,304 Top 5% higher than 95% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). This entry sits in this band. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 66.8%
Bachelor's Degree or Higher 44.2%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

4,489

Total Housing Units

4,139

Occupied Units

350

Vacant Units

2.59

Avg Household Size

Occupancy Type

Owner 87.5%
Renter 12.5%

$448,700

Median Home Value

+0% vs state

$1,825

Median Rent

1989

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+5.0%

YoY Change (2024)

260

HPI Index (2000 = 100)

+160%

Total Change Since 2000

Home values in ZIP 20732 have increased 5.0% over the past year (2024). Since 2000, this ZIP has seen +160% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.0% 191
2021 +8.0% 206
2022 +17.0% 241
2023 +2.6% 247
2024 +5.0% 260

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 101 business establishments in ZIP 20732, employing approximately 1,072 people with a combined annual payroll of $34,162,000.

101

Businesses

1,072

Employees

$34.2M

Annual Payroll

12

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 17 16.8%
Other services (except public administration) 15 14.8%
Accommodation and food services 14 13.9%
Construction 13 12.9%
Retail trade 8 7.9%
Real estate and rental and leasing 7 6.9%
Administrative and support and waste management and remediation services 5 5.0%
Wholesale trade 4 4.0%
Transportation and warehousing 4 4.0%
Health care and social assistance 4 4.0%
Arts, entertainment, and recreation 4 4.0%
Manufacturing 3 3.0%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 20732 vs 20689 →

ZIP 20732 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 20732 ranks #3 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 20732 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 20732 ranks #7 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
20689 Sunderland, MD 1,694 2.2 mi
20714 North Beach, MD 4,345 4.4 mi
20639 Huntingtown, MD 14,227 5.0 mi
20736 Owings, MD 8,904 5.2 mi
20758 Friendship, MD 721 5.9 mi
20779 Tracys Landing, MD 1,182 7.7 mi
20733 Churchton, MD 2,672 10.1 mi
20751 Deale, MD 2,343 9.6 mi
20754 Dunkirk, MD 6,951 8.1 mi
20678 Prince Frederick, MD 11,045 10.0 mi

More ZIP Codes in Calvert County

20657 standard
Lusby, MD
Pop: 20,483
20639 standard
Huntingtown, MD
Pop: 14,227
20678 standard
Prince Frederick, MD
Pop: 11,045
20736 standard
Owings, MD
Pop: 8,904
20754 standard
Dunkirk, MD
Pop: 6,951
20685 standard
Saint Leonard, MD
Pop: 6,471

Related Areas

Calvert County Chesapeake Beach, MD Maryland

Frequently Asked Questions

What county is ZIP code 20732 in? ▼
ZIP code 20732 (Chesapeake Beach) is located in Calvert County, Maryland. Calvert County contains multiple ZIP codes, see the full list at /counties/calvert-md.
What is the population of ZIP code 20732? ▼
ZIP code 20732 in Chesapeake Beach, MD has a population of 9,919 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 20732? ▼
The median household income in ZIP 20732 is $140,304, which is 84% above the national average of $76,288.
What is the average home value in ZIP 20732? ▼
The median home value in ZIP 20732 is $448,700, which is 61% above the national average of $278,155.
What is the demographic makeup of ZIP 20732? ▼
The largest racial group in ZIP 20732 is White at 72.6%. Hispanic or Latino residents make up 2.8% of the population.
How many businesses are in ZIP code 20732? ▼
ZIP code 20732 has 101 business establishments employing approximately 1,072 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 20732? ▼
The top industries by establishment count in ZIP 20732 are: Professional, scientific, and technical services (17), Other services (except public administration) (15), Accommodation and food services (14). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 20732? ▼
According to the FHFA House Price Index, home values in ZIP 20732 increased by 5.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 160%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 20732? ▼
In ZIP code 20732, 66.8% of residents aged 25+ have a high school diploma or higher, and 44.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 20732? ▼
The mean commute time for workers in ZIP code 20732 is 41.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 20732? ▼
In ZIP code 20732, approximately 87.5% of occupied housing units are owner-occupied and 12.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 20732? ▼
The poverty rate in ZIP code 20732 is 1.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.