Chesapeake Beach ZIP Code List — Calvert County, MD

There is one unique ZIP code in Chesapeake Beach, Maryland and it is 20732. Area code: 240.

ZIP codes

11.15

sq mi land

1.52

sq mi water

240

area code

Chesapeake Beach, MD ZIP code map

About Chesapeake Beach, MD

Chesapeake Beach, Maryland, is a charming waterfront town situated in Calvert County. Known for its beautiful landscapes and small-town vibe, it offers residents and visitors alike a unique coastal experience. With a rich history and a range of recreational activities, Chesapeake Beach attracts those looking to enjoy a peaceful life by the water.

Location & geography

Chesapeake Beach is located in the northernmost part of Calvert County, along the western shore of the Chesapeake Bay. It is approximately 30 miles southeast of Washington, D.C., and about 15 miles southwest of Annapolis. The town encompasses a land area of 11.15 square miles, along with a water area of 1.52 square miles, providing stunning views and various water activities.

Community & economy

The community of Chesapeake Beach is characterized by its friendly atmosphere, featuring a mix of residential homes, vacation properties, and local businesses. The economy is supported by tourism, with visitors coming to enjoy the beaches, boardwalk, and local dining establishments. Daily life in the town revolves around outdoor activities, community events, and a shared appreciation for the natural beauty found along the Chesapeake Bay.

Transportation

Chesapeake Beach is accessible via Maryland Route 260, which connects to other key highways in the area. The nearest major airport is the Baltimore/Washington International Thurgood Marshall Airport, located about 40 miles to the northwest. Public transportation options are limited, but residents typically rely on personal vehicles for commuting.

History

Chesapeake Beach was founded in the late 19th century as a resort destination and became a popular getaway for residents of nearby cities. The town has historically been linked to fishing and tourism, with notable developments occurring when it was connected to the railroad in the early 1900s. Throughout the years, Chesapeake Beach has maintained its charm and continues to celebrate its heritage through annual events and local traditions.

Did you know?

A little-known fact about Chesapeake Beach is that it features a small but vibrant amusement park that adds to its appeal as a family-friendly destination. Additionally, the town was once home to the Chesapeake Beach Railway, which played a significant role in its development as a leisure hub in the early 20th century.

ZIP codes for Chesapeake Beach, MD (1)

ZIP code	City	County	Map
20732	Chesapeake Beach	Calvert	View map

Demographics & statistics

10,676

Population

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

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%
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	%
High blood pressure	28.9%
High cholesterol	31.8%
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	%
Binge drinking	16.8%
No physical activity	17.8%
Less than 7 hrs sleep	35.8%
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%
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

What is the ZIP code for Chesapeake Beach, MD?

Chesapeake Beach, MD has one ZIP code: 20732.

What is the main ZIP code for Chesapeake Beach, MD?

The primary ZIP code for Chesapeake Beach, MD is 20732. The city uses area code 240 for phone service.

What county is Chesapeake Beach, MD in?

Chesapeake Beach is located in Calvert County, Maryland.

How many ZIP codes are in Chesapeake Beach, MD?

Chesapeake Beach, MD has 1 ZIP code.

What is the ZIP code for Chesapeake Beach's downtown waterfront area along the Chesapeake Bay?

The downtown waterfront area of Chesapeake Beach, including the historic Chesapeake Beach Railway Museum and boardwalk, is located in ZIP code 20732.

What ZIP code covers the residential neighborhoods near Chesapeake Beach's public beach and park facilities?

The residential neighborhoods surrounding Chesapeake Beach Public Beach and Veterans Park are all served by ZIP code 20732, which covers the entire incorporated town.