ZIP Code 20732 — Chesapeake Beach town, MD Demographics & Data

ZIP code 20732 covers Chesapeake Beach, MD in Calvert County with a population of about 10,940.

At a glance, the area shows median age of 43.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 410, 443, 667; U.S. House district MD-5; the WASHINGTON, DC (HAGRSTWN) media market.

Chesapeake Beach, MD matches a tourism / travel destination profile (tourism/destination place names). Search demand here often clusters around weather, landmarks, short stays, and local services — the live 7-day forecast on this page is especially useful for trip planning.

Median household income in ZIP 20732 is about $135,925 — about 81% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.3%; unemployment rate near 3.0%; 41.8% of adults with a bachelor’s degree or higher (about 8.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Education, and Professional services; about 19.2% of workers reporting work-from-home (about 4.0 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $426,300 — about 22% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,275 (about 10% above the U.S. median rent ($1,163)), and owner-occupancy near 87.7% (about 22.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 20732 in Chesapeake Beach, MD, a household would need roughly $117,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,738. That sits below the local median household income ($135,925), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Chesapeake Beach town, MD as Very Low (composite score 28.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (81.7) and wildfire (52.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Chesapeake Beach town, MD show little to no average snow and around 48.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 643 for ZIP 20732 (Chesapeake Beach town, MD) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.