20732

Zip code 20732: Chesapeake Beach, Maryland

Q: What city is zip code 20732?

20732 is assigned to Chesapeake Beach, Maryland. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 20732 in?

20732 is in Calvert County, Maryland.

Q: What is the population of 20732?

About 10,722 people live in 20732, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 20732?

The median household income in 20732 is $140,304.

Q: What zip codes are near 20732?

The closest zip codes to 20732 are 20689, 20714, 20736, 20639, 20758.

Residential delivery areaCalvert CountyEastern Time

Population

10,722

Median household income

$140K

U.S. $81K

Median home value

$449K

U.S. $333K

Median rent

$1,825/mo

U.S. $1,413

Median age

43.7

U.S. 38.9

Land area

11 sq mi

962 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 20732

20732 is a suburban zip code in Chesapeake Beach, Maryland (Calvert County), covering 11 sq mi of land. About 10,722 people live here, or 962 per square mile. The median resident is 43.7 years old, compared with 38.9 nationally.

The median household earns $140,304 a year, 74% above the national median of $80,734. 1.8% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $448,700, or 3.2 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 88% of occupied homes are lived in by their owners, and renters pay a median of $1,825 a month.

44% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 41.9 minutes each way, and 23% of workers work from home. The most common jobs among working residents are in management; office and administrative support; and education.

How 20732 compares

Sorted from highest to lowest national percentile

Government workers32.1%
99th
U.S. 14.5% · MD 22.5%51st of 444 in MD
Average commute41.9 min
98th
WeaknessU.S. 26.4 min · MD 31.1 min35th of 421 in MD
Homeownership rate87.5%
93rd
StrengthU.S. 65.2% · MD 67.6%145th of 441 in MD
Median household income$140,304
92nd
StrengthU.S. $80,734 · MD $103,678100th of 414 in MD
Median earnings per worker$77,194
92nd
StrengthU.S. $49,666 · MD $61,200109th of 443 in MD
Work from home23.1%
85th
U.S. 15.1% · MD 19.3%117th of 444 in MD
Per capita income$59,236
84th
StrengthU.S. $44,673 · MD $52,979150th of 446 in MD
Tech workers5.4%
82nd
U.S. 3.8% · MD 6.4%193rd of 444 in MD
Median age43.7
80th
U.S. 38.9 · MD 39.4169th of 446 in MD
Veterans8.2%
79th
U.S. 6.2% · MD 6.8%154th of 446 in MD
Median gross rent$1,825
75th
U.S. $1,413 · MD $1,705111th of 338 in MD
Bachelor's degree or higher44.2%
72nd
U.S. 35.7% · MD 43.4%168th of 445 in MD
Median home value$448,700
69th
U.S. $332,700 · MD $419,900185th of 421 in MD
Residents 65 and older18.5%
64th
U.S. 17.2% · MD 16.7%202nd of 446 in MD
Rent-burdened renters53.5%
61st
U.S. 51.1% · MD 51.5%158th of 404 in MD
Housing vacancy7.8%
59th
U.S. 10.1% · MD 7.7%155th of 441 in MD
Residents under 1821.8%
47th
U.S. 22% · MD 22.2%207th of 446 in MD
Diversity index46.2
45th
U.S. 61.4 · MD 67.7206th of 446 in MD
Population density962/sq mi
43rd
U.S. 95/sq mi · MD 639/sq mi166th of 446 in MD
Broadband access88.5%
26th
U.S. 91% · MD 92.4%325th of 441 in MD
Population10,722
17th
U.S. 334,922,499 · MD 6,206,011174th of 446 in MD
Foreign-born residents2.5%
15th
U.S. 14.1% · MD 16.6%338th of 446 in MD
Unemployment rate2.8%
14th
StrengthU.S. 5.2% · MD 4.9%295th of 444 in MD
Healthcare workers5.8%
7th
U.S. 9.7% · MD 9%325th of 444 in MD
Self-employed workers5.2%
5th
U.S. 10% · MD 8.7%374th of 444 in MD
Uninsured rate1.4%
2nd
StrengthU.S. 8.4% · MD 6.3%360th of 444 in MD
Poverty rate1.8%
1st
StrengthU.S. 12.5% · MD 9.4%388th of 441 in MD
Income inequality (Gini)0.328
1st
StrengthU.S. 0.483 · MD 0.456385th of 438 in MD

Measure	20732	Calvert	MD	U.S.	National percentile	Rank in MD
Government workers	32.1%	28.9%	22.5%	14.5%	99th	51st of 444
Average commuteWeakness	41.9 min	39.3 min	31.1 min	26.4 min	98th	35th of 421
Homeownership rateStrength	87.5%	87.2%	67.6%	65.2%	93rd	145th of 441
Median household incomeStrength	$140,304	$133,922	$103,678	$80,734	92nd	100th of 414
Median earnings per workerStrength	$77,194	$71,681	$61,200	$49,666	92nd	109th of 443
Work from home	23.1%	18.5%	19.3%	15.1%	85th	117th of 444
Per capita incomeStrength	$59,236	$57,710	$52,979	$44,673	84th	150th of 446
Tech workers	5.4%	6.3%	6.4%	3.8%	82nd	193rd of 444
Median age	43.7	40.8	39.4	38.9	80th	169th of 446
Veterans	8.2%	11.3%	6.8%	6.2%	79th	154th of 446
Median gross rent	$1,825	$1,759	$1,705	$1,413	75th	111th of 338
Bachelor's degree or higher	44.2%	37%	43.4%	35.7%	72nd	168th of 445
Median home value	$448,700	$460,200	$419,900	$332,700	69th	185th of 421
Residents 65 and older	18.5%	16.3%	16.7%	17.2%	64th	202nd of 446
Rent-burdened renters	53.5%	47.7%	51.5%	51.1%	61st	158th of 404
Housing vacancy	7.8%	7.3%	7.7%	10.1%	59th	155th of 441
Residents under 18	21.8%	23.1%	22.2%	22%	47th	207th of 446
Diversity index	46.2	43.6	67.7	61.4	45th	206th of 446
Population density	962/sq mi	442/sq mi	639/sq mi	95/sq mi	43rd	166th of 446
Broadband access	88.5%	93.6%	92.4%	91%	26th	325th of 441
Population	10,722	94,313	6,206,011	334,922,499	17th	174th of 446
Foreign-born residents	2.5%	4%	16.6%	14.1%	15th	338th of 446
Unemployment rateStrength	2.8%	2.7%	4.9%	5.2%	14th	295th of 444
Healthcare workers	5.8%	6.3%	9%	9.7%	7th	325th of 444
Self-employed workers	5.2%	8.5%	8.7%	10%	5th	374th of 444
Uninsured rateStrength	1.4%	3%	6.3%	8.4%	2nd	360th of 444
Poverty rateStrength	1.8%	3.9%	9.4%	12.5%	1st	388th of 441
Income inequality (Gini)Strength	0.328	0.383	0.456	0.483	1st	385th of 438

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

18%

5–17

18–24

11%

25–34

12%

35–44

17%

45–54

13%

55–64

11%

65–74

75+

Median age

43.7

Under 18

21.8%

65 and over

18.5%

Race and ethnicity

White72%
Black12%
Hispanic3%
Asian3%
Native American0%
Pacific Islander0%
Other0.8%
Multiracial10%

Diversity index

46.2

U.S. 61.4

Foreign-born

2.5%

U.S. 14.1%

Born in state

50.4%

Language spoken at home (households)

English only

93%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 4,139
Average household size: 2.6
Family households: 71.9%
Married couples: 55.1%
Living alone: 25.2%
Veterans (of adults): 8.2%
Male / female: 47% / 53%

Income and poverty

Household income distribution

<$25k

$25–50k

$50–75k

$75–100k

12%

$100–150k

24%

$150–200k

19%

$200k+

26%

Median household income

20732

$140,304

Calvert Co.

$133,922

Maryland

$103,678

United States

$80,734

Per capita income

$59,236

U.S. $44,673

Poverty rate

1.8%

U.S. 12.5%

Households earning $150K+

44.5%

U.S. 23%

Income inequality (Gini)

0.328

U.S. 0.483

Housing

Median home value

20732

$448,700

Calvert Co.

$460,200

Maryland

$419,900

United States

$332,700

Median gross rent

20732

$1,825

Calvert Co.

$1,759

Maryland

$1,705

United States

$1,413

Types of housing

Single-family

94%

2–4 units

0.3%

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 4,489
Owner-occupied: 87.5%
Vacant: 7.8%
Median year built: 1989
Median rooms: 7.1
Renters paying 30%+ of income: 53.5%
Renters paying 50%+ of income: 37.5%
Home value to income: 3.2× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

68%

Carpooled

Transit

0.7%

Walked

0.9%

Bicycle

Worked from home

23%

Other

Commute time (one way)

<10 min

10–19

17%

20–29

30–44

19%

45–59

23%

60+

27%

Average commute

41.9 min

U.S. 26.4 min

Unemployment

2.8%

U.S. 5.2%

In labor force

69.7%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

15%

Office and admin

13%

Education

11%

Construction and repair

Transportation and moving

Business and finance

Healthcare

Computer and math

Engineering and science

Sales

Legal and social services

Police and fire

Food service

Cleaning and personal care

Production

Arts, media and sports

Farming, fishing and forestry

Industries

Public administration

16%

Education

14%

Professional and technical services

11%

Construction

11%

Health care and social assistance

10%

Retail

Restaurants and hotels

Other services

Transportation, warehousing and utilities

Manufacturing

Arts and recreation

Finance, insurance and real estate

Admin, support and management

Information

Wholesale

Agriculture and mining

0.7%

Median earnings per worker

$77,194

U.S. $49,666

Self-employed

5.2%

U.S. 10%

Government workers

32.1%

U.S. 14.5%

Nonprofit workers

9.3%

U.S. 8.8%

Median earnings by type of work

Type of work	20732	U.S.
Management, business, science and arts	$98,929	$74,888
Service	$16,365	$26,804
Sales and office	$54,694	$40,476
Construction and maintenance	$73,533	$49,199
Production and transportation	$60,481	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

23%

Some college

21%

Associate's

Bachelor's

22%

Graduate

22%

High school graduate or higher: 94.4%
Bachelor's degree or higher: 44.2%
Graduate or professional degree: 22%
Households with broadband: 88.5%
Cable, fiber or DSL: 78%
No internet access: 10.2%
Without health insurance: 1.4%
Limited-English households: 0%

Geography

City (USPS): Chesapeake Beach
State: Maryland
County: Calvert County
Center point: 38.6551° N, 76.5426° W
Land area: 11 sq mi
Water area: 1.5 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Chesapeake Beach24% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 20732

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
20689	Sunderland, MD	2.6 mi	1,809	$161,833	$490,500
20714	North Beach, MD	3.4 mi	4,525	$91,099	$386,300
20736	Owings, MD	4.7 mi	9,960	$159,851	$567,700
20639	Huntingtown, MD	5 mi	15,544	$161,422	$555,100
20758	Friendship, MD	6 mi	714	$240,847	$596,600
20779	Tracys Landing, MD	7.3 mi	883	$178,452	$572,600
20754	Dunkirk, MD	8.1 mi	7,545	$167,371	$614,200
20678	Prince Frederick, MD	9.4 mi	12,752	$125,732	$455,100
20751	Deale, MD	9.7 mi	2,851	$123,951	$490,300
20610	Barstow, MD · PO box	9.8 mi	—	—	—
20608	Aquasco, MD	9.9 mi	693	$82,083	$400,000
20733	Churchton, MD	10 mi	2,669	$126,797	$394,000

Zip codes like 20732 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 20732

What city is zip code 20732?

20732 is assigned to Chesapeake Beach, Maryland. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 20732 in?

20732 is in Calvert County, Maryland.

What is the population of 20732?

About 10,722 people live in 20732, according to the Census Bureau's American Community Survey.

What time zone is 20732 in?

20732 is in Eastern Time.

What is the median household income in 20732?

The median household income in 20732 is $140,304.

What zip codes are near 20732?

The closest zip codes to 20732 are 20689, 20714, 20736, 20639, 20758.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 20732, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.