ZIP Code 20732

ZIP code 20732 is classified by USPS as a standard delivery area and covers roughly 26.4 square miles in Chesapeake Beach, Calvert County, Maryland. The area is home to 9,919 residents, producing a population density of 376 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 20732 against Maryland and the nation.

On the economic side, the median household income for ZIP 20732 sits at $140,304 (23% above the Maryland average), while per-capita income is $59,236. The poverty rate stands at 1.8% and the unemployment rate at 2.7%. On housing, the median home value is $448,700 (0% above the state average) with median rent at $1,825 per month, and 87.5% of occupied units are owner-occupied, a direct signal of whether 20732 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 44.2% of adults hold a bachelor's degree or higher, the median age is 43.7, and the average commute is 42 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Calvert County, so you can benchmark 20732 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →