20732 ZIP Code
Chesapeake Beach, Maryland
December 16, 2025
| ZIP Code: | 20732 |
| City/Town: | Chesapeake Beach |
| County: | Calvert |
| State: | Maryland |
| ZIP Type: | Standard |
| Population: | 10,676 |
| Median Household Income: | $130,008 |
| Per Capita Income: | $72,230 |
| Total Housing Units: | 4,457 |
| Median Home Value: | $401,500 |
| Land Area: | 11.2 sq miles
28.9 sq km |
| Water Area: | 1.5 sq miles
3.9 sq km |
| Coordinates: | 38.6551, -76.5426 |
Population Information (20732 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 10,676 | -- | -- |
| Male: | 5,169 | 48.4% | 49.6% |
| Female: | 5,507 | 51.6% | 50.4% |
| Median Age: | 43.0 yrs | -- | 38.5 yrs |
| Under 5 years: | 472 | 4.4% | 5.7% |
| 5 to 9 years: | 662 | 6.2% | 6.0% |
| 10 to 14 years: | 895 | 8.4% | 6.5% |
| 15 to 19 years: | 661 | 6.2% | 6.6% |
| 20 to 24 years: | 556 | 5.2% | 6.7% |
| 25 to 34 years: | 1,042 | 9.8% | 13.7% |
| 35 to 44 years: | 1,346 | 12.6% | 12.9% |
| 45 to 54 years: | 1,923 | 18.0% | 12.4% |
| 55 to 59 years: | 582 | 5.5% | 6.5% |
| 60 to 64 years: | 781 | 7.3% | 6.4% |
| 65 to 74 years: | 1,069 | 10.0% | 9.7% |
| 75 to 84 years: | 469 | 4.4% | 4.8% |
| 85 years and over: | 218 | 2.0% | 2.0% |
Housing Information (20732 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $401,500 | -- | $281,900 |
| Median rooms: | 7.2 | -- | 5.5 |
| Median rent: | $1,865 / mo. | -- | $1,268 / mo. |
| Total housing units: | 4,457 | -- | -- |
| Occupied housing units: | 4,121 | 92.5% | 38.0% |
| Vacant housing units: | 336 | 7.5% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 3,440 | 83.5% | 64.8% |
| Renter-occupied: | 681 | 16.5% | 35.2% |
Educational Attainment (20732 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 7,430 | -- | -- |
| Less than 9th grade: | 85 | 1.1% | 4.7% |
| 9th to 12th grade, no diploma: | 315 | 4.2% | 6.1% |
| High school graduate: | 1,802 | 24.3% | 26.4% |
| Some college, no degree: | 1,587 | 21.4% | 19.7% |
| Associate degree: | 582 | 7.8% | 8.7% |
| Bachelor's degree: | 1,600 | 21.5% | 20.9% |
| Graduate or professional degree: | 1,459 | 19.6% | 13.7% |
| Percent high school graduate or higher: | -- | 94.6% | 89.1% |
| Percent bachelor's degree or higher: | -- | 41.2% | 34.3% |
Income Information (20732 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $130,008 / yr. | $75,149 / yr. |
| Mean household income: | $143,053 / yr. | $105,833 / yr. |
| Median family income: | $145,921 / yr. | $92,646 / yr. |
| Per capita income: | $72,230 / yr. | $41,261 / yr. |
Employment (20732 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 6,015 | -- | 63.5% |
| Employed: | 5,518 | 95.7% | 96.4% |
| Unemployed: | 246 | 4.3% | 5.3% |
| Not in labor force: | 2,477 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 3,695 | 67.0% | 79.7% |
| Government workers: | 1,690 | 30.6% | 14.2% |
| Self-employed: | 133 | 2.4% | 5.9% |
| Unpaid family workers: | 0 | 0.0% | 0.1% |
Race & Ethnicity (20732 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 8,248 | 77.3% | 61.6% |
| Black or African American: | 1,115 | 10.4% | 12.4% |
| American Indian/Alaska Native: | 35 | 0.3% | 1.1% |
| Asian: | 436 | 4.1% | 6.0% |
| Native Hawaiian/Pacific Islander: | 0 | 0.0% | 0.2% |
| Some other race: | 27 | 0.3% | 8.4% |
| Two or more races: | 815 | 7.6% | 10.2% |
| Hispanic or Latino (any race): | 236 | 2.2% | 18.7% |
| Mexican: | 306 | 2.9% | 11.2% |
| Puerto Rican: | 62 | 0.6% | 1.8% |
| Cuban: | 64 | 0.6% | 0.7% |
| Other Hispanic or Latino: | 0 | 0.0% | 5.0% |
| Not Hispanic or Latino: | 180 | 1.7% | 81.1% |
Income Distribution (20732 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 46 | 1.1% | 4.9% |
| $10,000 to $14,999: | 134 | 3.3% | 3.8% |
| $15,000 to $24,999: | 190 | 4.6% | 7.0% |
| $25,000 to $34,999: | 62 | 1.5% | 7.4% |
| $35,000 to $49,999: | 243 | 5.9% | 10.7% |
| $50,000 to $74,999: | 261 | 6.3% | 16.1% |
| $75,000 to $99,999: | 470 | 11.4% | 12.8% |
| $100,000 to $149,999: | 1,164 | 28.2% | 17.1% |
| $150,000 to $199,999: | 724 | 17.6% | 8.8% |
| $200,000 or more: | 827 | 20.1% | 11.4% |
Commute to Work (20732 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 4,202 | 76.2% | 67.8% |
| Carpooled: | 469 | 8.5% | 8.7% |
| Public transportation: | 108 | 2.0% | 4.2% |
| Walked: | 47 | 0.9% | 2.5% |
| Other means: | 81 | 1.5% | 0.9% |
| Worked from home: | 856 | 15.5% | 13.8% |
| Mean travel time to work: | 43.4 min | -- | 26.7 min |
Industry (20732 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 0 | 0.0% | 1.6% |
| Construction: | 630 | 11.4% | 6.9% |
| Manufacturing: | 319 | 5.8% | 10.0% |
| Wholesale trade: | 110 | 2.0% | 2.4% |
| Retail trade: | 303 | 5.5% | 11.0% |
| Transportation, warehousing, utilities: | 241 | 4.4% | 5.8% |
| Information: | 81 | 1.5% | 1.9% |
| Finance, insurance, real estate: | 337 | 6.1% | 6.7% |
| Professional, scientific, management: | 763 | 13.8% | 12.1% |
| Education, health care, social services: | 1,270 | 23.0% | 23.3% |
| Arts, entertainment, food services: | 454 | 8.2% | 9.0% |
| Other services: | 292 | 5.3% | 4.7% |
| Public administration: | 718 | 13.0% | 4.7% |
Poverty Status (20732 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 2.6% | 8.8% |
| All people below poverty level: | -- | -- | -- |
| Under 18 years: | -- | -- | 16.3% |
| 18 to 64 years: | -- | -- | 11.0% |
| 65 years and over: | -- | -- | 10.3% |
Health Insurance (20732 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 10,294 | 96.4% | 91.3% |
| Private health insurance: | 9,030 | 84.6% | 67.6% |
| Public health coverage: | 2,507 | 23.5% | 35.9% |
| Without health insurance: | 131 | 1.2% | 8.7% |
Benefits & Assistance (20732 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 3,154 | 76.5% | 77.4% |
| Social Security income: | 1,230 | 29.8% | 31.0% |
| Retirement income: | 1,487 | 36.1% | 21.8% |
| Supplemental Security Income (SSI): | 130 | 3.2% | 4.5% |
| Cash public assistance income: | 35 | 0.8% | 1.8% |
| SNAP (food stamps) benefits: | 261 | 6.3% | 11.4% |
Housing Types (20732 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 3,191 | 71.6% | 61.4% |
| 1-unit, attached: | 823 | 18.5% | 6.1% |
| 2 units: | 0 | 0.0% | 3.4% |
| 3 or 4 units: | 22 | 0.5% | 4.3% |
| 5 to 9 units: | 70 | 1.6% | 4.6% |
| 10 to 19 units: | 157 | 3.5% | 4.3% |
| 20 or more units: | 162 | 3.6% | 9.9% |
| Mobile home: | 32 | 0.7% | 5.8% |
| Boat, RV, van, etc.: | 0 | 0.0% | 0.1% |
Year Structure Built (20732 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 0 | 0.0% | 0.6% |
| Built 2010 to 2019: | 245 | 5.5% | 8.2% |
| Built 2000 to 2009: | 1,054 | 23.6% | 13.5% |
| Built 1990 to 1999: | 781 | 17.5% | 13.2% |
| Built 1980 to 1989: | 1,157 | 26.0% | 13.2% |
| Built 1970 to 1979: | 312 | 7.0% | 14.6% |
| Built 1960 to 1969: | 109 | 2.4% | 10.2% |
| Built 1950 to 1959: | 264 | 5.9% | 9.9% |
| Built 1940 to 1949: | 309 | 6.9% | 4.6% |
| Built 1939 or earlier: | 226 | 5.1% | 12.0% |
Bedrooms (20732 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 24 | 0.5% | 2.4% |
| 1 bedroom: | 138 | 3.1% | 3.0% |
| 2 bedrooms: | 651 | 14.6% | 9.1% |
| 3 bedrooms: | 1,762 | 39.5% | 15.9% |
| 4 bedrooms: | 1,415 | 31.7% | 18.8% |
| 5 or more bedrooms: | 467 | 10.5% | 17.6% |
Heating Fuel (20732 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 113 | 2.7% | 47.1% |
| Bottled, tank, or LP gas: | 335 | 8.1% | 4.9% |
| Electricity: | 3,245 | 78.7% | 40.2% |
| Fuel oil, kerosene, etc.: | 258 | 6.3% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 21 | 0.5% | 1.5% |
| Solar energy: | 78 | 1.9% | 0.1% |
| Other fuel: | 28 | 0.7% | 0.5% |
| No fuel used: | 43 | 1.0% | 0.2% |
Vehicles Available (20732 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 178 | 4.3% | 8.3% |
| 1 vehicle available: | 1,010 | 24.5% | 32.6% |
| 2 vehicles available: | 1,651 | 40.1% | 37.0% |
| 3 or more vehicles available: | 1,282 | 31.1% | 22.1% |
Home Value Distribution (20732 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 40 | 1.2% | 5.7% |
| $50,000 to $99,999: | 7 | 0.2% | 7.8% |
| $100,000 to $149,999: | 29 | 0.8% | 9.2% |
| $150,000 to $199,999: | 170 | 4.9% | 10.8% |
| $200,000 to $299,999: | 296 | 8.6% | 19.9% |
| $300,000 to $499,999: | 1,902 | 55.3% | 24.1% |
| $500,000 to $999,999: | 948 | 27.6% | 17.0% |
| $1,000,000 or more: | 48 | 1.4% | 5.6% |
Housing Costs (20732 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $2,229 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $732 / mo. | $584 / mo. |
| Median gross rent: | $1,865 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.68 | 2.53 |
| Average household size (renter-occupied): | 2.13 | 2.38 |
Households (20732 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 4,121 | -- | -- |
| Married-couple households: | 2,293 | 55.6% | 47.5% |
| Cohabiting couple households: | 1,145 | 27.8% | 7.0% |
| Male householder, no spouse: | 641 | 15.6% | 5.4% |
| Female householder, no spouse: | 1,056 | 25.6% | 12.7% |
| Householder living alone: | 1,527 | 37.1% | 28.6% |
| 65 years and over living alone: | 1,363 | 33.1% | 11.8% |
| Average household size: | 2.59 | -- | 2.53 |
| Average family size: | 3.15 | -- | -- |
Marital Status (20732 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 4,015 | -- | -- |
| Never married: | 1,198 | 29.8% | 37.0% |
| Now married: | 2,405 | 59.9% | 49.5% |
| Separated: | 133 | 3.3% | 1.5% |
| Widowed: | 189 | 4.7% | 2.6% |
| Divorced: | 1,233 | 30.7% | 9.3% |
School Enrollment (20732 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 2,682 | -- | -- |
| Nursery school, preschool: | 93 | 3.5% | 5.8% |
| Kindergarten: | 132 | 4.9% | 5.0% |
| Elementary school (grades 1-8): | 1,196 | 44.6% | 40.5% |
| High school (grades 9-12): | 633 | 23.6% | 21.4% |
| College or graduate school: | 628 | 23.4% | 27.3% |
Veterans & Disability (20732 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 7,945 | -- | -- |
| Veterans: | 647 | 8.1% | 6.3% |
| Civilian noninstitutionalized population: | 10,425 | -- | -- |
| With a disability: | 1,110 | 10.6% | 13.4% |
| Under 18 with disability: | 129 | 11.6% | 5.8% |
| 18 to 64 with disability: | 657 | 59.2% | 10.4% |
| 65 and over with disability: | 324 | 29.2% | 33.4% |
Mobility (Residence 1 Year Ago) (20732 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 9,653 | 90.4% | 86.9% |
| Different house: | 962 | 9.0% | 13.1% |
| Same county: | 280 | 29.1% | 7.0% |
| Different county: | 652 | 67.8% | 3.2% |
| Different state: | 339 | 35.2% | 2.5% |
| Abroad: | 30 | 3.1% | 0.4% |
Place of Birth (20732 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 10,354 | 97.0% | 86.2% |
| Foreign born: | 182 | 1.7% | 13.9% |
| Naturalized citizen: | 322 | 176.9% | 52.7% |
| Not a citizen: | 322 | 176.9% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 322 | 176.9% | 10.5% |
| Asia: | 66 | 36.3% | 31.3% |
| Africa: | 0 | 0.0% | 5.5% |
| Oceania: | 0 | 0.0% | 0.5% |
| Latin America: | 68 | 37.4% | 50.0% |
| Northern America: | 11 | 6.0% | 2.2% |
Language Spoken at Home (20732 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 10,204 | -- | -- |
| English only: | 9,713 | 95.2% | 78.3% |
| Language other than English: | 491 | 4.8% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 139 | 1.4% | 13.3% |
| Other Indo-European languages: | 99 | 1.0% | 3.5% |
| Asian/Pacific Island languages: | 253 | 2.5% | 3.5% |
| Other languages: | 0 | 0.0% | 1.0% |
Computers & Internet (20732 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 4,121 | 100.0% | 93.1% |
| Households with broadband internet: | 3,704 | 89.9% | 89.4% |
Chesapeake Beach, MD20732