20732 ZIP Code — Chesapeake Beach, MD
Calvert County, Maryland
ZIP code 20732 is located in Chesapeake Beach, Maryland, within Calvert County. It covers approximately 11.15 square miles and serves a population of 10,676 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 240.
About ZIP code 20732
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $401,500. Owner-occupancy is high at 84%, well above the national average.
Median household income is $130,008. The poverty rate of 3% is below the national average.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 43 minutes suggests many residents work outside the immediate area.
Educational attainment is near the national average, with 41% of residents holding a bachelor's degree or higher.
10,676
population
11.15
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
20732 ZIP code map
Cities in ZIP code 20732
Below are the cities the US Postal Service accepts for ZIP code 20732. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Chesapeake Beach | Acceptable |
| Chesapeake Beach | Preferred |
Nearby ZIP codes
20689 Sunderland (2.5 mi)
20714 North Beach (3.9 mi)
20736 Owings (4.6 mi)
20639 Huntingtown (4.7 mi)
20758 Friendship (5.8 mi)
20779 Tracys Landing (7.3 mi)
20754 Dunkirk (7.8 mi)
20751 Deale (9.3 mi)
20733 Churchton (10.2 mi)
20608 Aquasco (10.8 mi)
20678 Prince Frederick (10.9 mi)
20711 Lothian (11.3 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 10,676 |
| Population density | 957 / sq mi |
| State FIPS | 24 |
| County FIPS | 009 |
| Geography | |
|---|---|
| Land area | 11.15 sq mi |
| Water area | 1.52 sq mi |
| Latitude | 38.6599 |
| Longitude | -76.5392 |
| Timezone | Eastern (ET) |
| Area code | 240 |
Total population by age
Gender
Race & ethnicity
Economics
updated 05/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 22.1% | 17.9% | 28.2% |
| $50k – $100k | 23.2% | 25.0% | 28.2% |
| $100k – $200k | 43.6% | 39.4% | 30.1% |
| Over $200k | 11.1% | 17.7% | 13.4% |
Demographics & statistics
10,676
Population
957
People per sq mi
43.0
Median age
$130,008
Median household income
$56,529
Per capita income
$401,500
Median home value
$1,865
Median monthly rent
83.5%
Home ownership
2.6%
Poverty rate
4.3%
Unemployment
3,776
Housing units
41.2%
Bachelor's or higher
Age distribution
Male
Female
229
Under 5
243
321
5–9
341
433
10–14
462
320
15–19
341
269
20–24
287
505
25–34
537
652
35–44
694
931
45–54
992
282
55–59
300
378
60–64
403
518
65–74
551
227
75–84
242
106
85+
112
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 2,480 | 23.2% |
| 18 and over | 8,196 | 76.8% |
| 65 and over | 1,756 | 16.4% |
| Median age | 43.0 years | |
Race & ethnicity
White
75.6%
Black or African American
10.2%
Two or more races
7.5%
Asian
4%
Hispanic or Latino
2.2%
American Indian / Alaska Native
0.3%
Other race
0.2%
| Group | Count | % |
|---|---|---|
| White | 8,248 | 75.6% |
| Black or African American | 1,115 | 10.2% |
| Two or more races | 815 | 7.5% |
| Asian | 436 | 4% |
| Hispanic or Latino | 236 | 2.2% |
| American Indian / Alaska Native | 35 | 0.3% |
| Other race | 27 | 0.2% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 22.1% | 17.9% | 28.2% |
| $50k – $100k | 23.2% | 25.0% | 28.2% |
| $100k – $200k | 43.6% | 39.4% | 30.1% |
| Over $200k | 11.1% | 17.7% | 13.4% |
Under $10k
1.1%
$10k–$15k
3.3%
$15k–$25k
4.6%
$25k–$35k
1.5%
$35k–$50k
5.9%
$50k–$75k
6.3%
$75k–$100k
11.4%
$100k–$150k
28.2%
$150k–$200k
17.6%
$200k+
20.1%
| Range | % of households |
|---|---|
| Under $10k | 1.1% |
| $10k–$15k | 3.3% |
| $15k–$25k | 4.6% |
| $25k–$35k | 1.5% |
| $35k–$50k | 5.9% |
| $50k–$75k | 6.3% |
| $75k–$100k | 11.4% |
| $100k–$150k | 28.2% |
| $150k–$200k | 17.6% |
| $200k+ | 20.1% |
| Median income | $130,008 |
Housing
Home values
Under $50k
1.2%
$50k–$100k
0.2%
$100k–$150k
0.8%
$150k–$200k
4.9%
$200k–$300k
8.6%
$300k–$500k
55.3%
$500k–$1M
27.6%
$1M+
1.4%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $401,500 |
| Median rent / month | $1,865 |
| Owner occupied | 83.5% |
| Renter occupied | 16.5% |
| Vacant | 7.5% |
| Single-family detached | 71.6% |
| Large apartment buildings | 3.6% |
| Mobile homes | 0.7% |
| Median rooms | 7.2 |
| Avg household size (owned) | 2.68 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.0% |
| 2010–2019 | 5.5% |
| 2000–2009 | 23.6% |
| 1990–1999 | 17.5% |
| 1980–1989 | 26.0% |
| 1970–1979 | 7.0% |
| 1960–1969 | 2.4% |
| 1950–1959 | 5.9% |
| 1940–1949 | 6.9% |
| 1939 or earlier | 5.1% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 0.5% |
| 1 bedroom | 3.1% |
| 2 bedrooms | 14.6% |
| 3 bedrooms | 39.5% |
| 4 bedrooms | 31.7% |
| 5+ bedrooms | 10.5% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 4.3% |
| 1 vehicle | 24.5% |
| 2 vehicles | 40.1% |
| 3 or more | 31.1% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 2.7% |
| Electricity | 78.7% |
| Propane / LP gas | 8.1% |
| Fuel oil | 6.3% |
| Wood | 0.5% |
| Solar | 1.9% |
| No fuel used | 1.0% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 2,293 | 55.6% |
| Cohabiting couple | 131 | 3.2% |
| Male householder, no spouse | 641 | 15.6% |
| Female householder, no spouse | 1,056 | 25.6% |
| Households with children under 18 | 1,527 | 37.1% |
| Households with seniors (65+) | 1,363 | 33.1% |
| Average household size | 2.59 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 29.8% | 26.6% |
| Married | 59.9% | 50.8% |
| Separated | 2.2% | 0.8% |
| Widowed | 3.3% | 9.7% |
| Divorced | 4.7% | 12.0% |
Education
Less than 9th grade
1.1%
Some HS, no diploma
4.2%
HS graduate
24.3%
Some college, no degree
21.4%
Associate's degree
7.8%
Bachelor's degree
21.5%
Graduate / professional
19.6%
| Metric | % |
|---|---|
| HS diploma or higher | 94.6% |
| Bachelor's or higher | 41.2% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 93 | 3.5% |
| Kindergarten | 132 | 4.9% |
| Elementary school | 1,196 | 44.6% |
| High school | 633 | 23.6% |
| College / grad school | 628 | 23.4% |
Employment
Industry of employment
Education & healthcare
23.0%
Professional & management
13.8%
Public administration
13.0%
Construction
11.4%
Arts, food & hospitality
8.2%
Finance & real estate
6.1%
Manufacturing
5.8%
Retail trade
5.5%
Other services
5.3%
Transportation & utilities
4.4%
Wholesale trade
2.0%
Information
1.5%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 51.1% |
| Service | 12.8% |
| Sales & office | 18.7% |
| Natural resources & construction | 10.5% |
| Production & transportation | 6.9% |
Employment type
| Type | % |
|---|---|
| Private sector | 67.0% |
| Government | 30.6% |
| Self-employed | 2.4% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 72.9% |
| Carpool | 8.1% |
| Public transit | 1.9% |
| Walk | 0.8% |
| Work from home | 14.9% |
| Other means | 1.4% |
| Avg commute (minutes) | 43.4 |
Poverty
All people
2.6%
Under 18 years
1.4%
18 and over
3.0%
Married-couple families
0.0%
Female-led households
9.0%
Income support
| Source | % of households |
|---|---|
| Social Security | 29.8% |
| Retirement income | 36.1% |
| Supplemental Security | 3.2% |
| Cash public assistance | 0.8% |
| Food stamps / SNAP | 6.3% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 34.9% |
| High blood pressure | 28.9% |
| High cholesterol | 31.8% |
| Diabetes | 8.0% |
| Heart disease | 4.2% |
| Stroke | 2.1% |
| Asthma | 9.9% |
| Arthritis | 23.5% |
| Kidney disease | 2.1% |
| Pulmonary disease | 4.8% |
| Cancer | 5.7% |
| Behavior / access | % |
|---|---|
| Smoking | 14.8% |
| Binge drinking | 16.8% |
| No physical activity | 17.8% |
| Less than 7 hrs sleep | 35.8% |
| Depression | 19.4% |
| Fair or poor health | 9.5% |
| Poor mental health | 14.2% |
| Poor physical health | 7.3% |
| No health insurance | 8.8% |
| Visited doctor (checkup) | 73.9% |
| Visited dentist | 71.3% |
| Cholesterol screening | 92.0% |
| Teeth loss | 8.4% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 647 | 8.1% |
| Disability | % |
|---|---|
| Any disability | 10.6% |
| Under 18 | 5.2% |
| 18–64 years | 10.6% |
| 65 and over | 18.5% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 86.6% |
| Public insurance | 24.0% |
| No insurance | 1.3% |
| Uninsured under 19 | 0.3% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 10,204 | 95.6% |
| Spanish | 79 | 0.8% |
| Other Indo-European | 65 | 0.6% |
| Asian & Pacific Islander | 0 | 0.0% |
| Other languages | 14 | 0.1% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 10,354 | 97.0% |
| Born in same state | 10,172 | 95.3% |
| Born in different state | 5,044 | 47.2% |
| Foreign born | 182 | 1.7% |
| Naturalized citizen | 322 | 3.0% |
| Not a US citizen | 219 | 68.0% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| French | 1,882 | 17.6% |
| Italian | 1,682 | 15.8% |
| Arab | 461 | 4.3% |
| English | 66 | 0.6% |
| Ancestry | Count | % |
|---|---|---|
| Polish | 65 | 0.6% |
| German | 46 | 0.4% |
| Irish | 40 | 0.4% |
| Norwegian | 14 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 38.6% |
| Internet access | 89.9% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 20732
What city is ZIP code 20732 in?
ZIP code 20732 is primarily assigned to Chesapeake Beach, Maryland.
What county is ZIP code 20732 in?
ZIP code 20732 falls within Calvert County, Maryland.
Is ZIP code 20732 mostly owner-occupied?
84% of occupied units in ZIP code 20732 are owner-occupied, well above the national average.
What is the median household income in ZIP code 20732?
The median household income in ZIP code 20732 is $130,008, above the national median of ~$75,000.
What is the typical home value in ZIP code 20732?
The median home value in ZIP code 20732 is $401,500.
What is the population of ZIP code 20732?
ZIP code 20732 has an estimated population of 10,676 residents, with a density of 957 people per square mile.
What timezone is ZIP code 20732 in?
ZIP code 20732 observes the EST timezone.