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Chesapeake Beach town, MD

ZIP 20732 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 20732

Median Home Value
$426,300
Median Rent
$1,275
Affordability Snapshot
$117,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,738/mo PITI).

11%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

27.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 20732 in Chesapeake Beach town, 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
87.7%+34% vs US avg
x
Vacancy Rate
7.3%-30% vs US avg
x
Broadband Access
87.8%+1% vs US avg
x
4+ Bedrooms
10.9%-26% vs US avg
x
Built Pre-1939
5.3%-58% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
30.1%-39% vs US avg
x
Mortgage-Free
19.4%-49% vs US avg
x
$426,300
Home Value
$1,275
Rent
1990
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached74.0%
  • 1-unit attached16.9%
  • 2-9 units2.1%
  • 10+ units6.3%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$426,300
Median rent$1,275
Owner-occupied87.7%
Vacant7.3%
Price-to-income3.1x
Est. income to buy$117,000