Estimated zip code population in 2022: 10,681 Zip code population in 2010: 9,919 Zip code population in 2000: 8,205
Houses and condos: 4,506 Renter-occupied apartments: 692
% of renters here:
16%
State:
32%
March 2022 cost of living index in zip code 20732: 160.7 (very high, U.S. average is 100)
Land area: 10.2 sq. mi. Water area: 2.6 sq. mi.
Population density: 1,048 people per square mile
(low).
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Real estate property taxes paid for housing units in 2022:
This zip code:
0.9% ($3,672)
Maryland:
0.9% ($3,777)
Median real estate property taxes paid for housing units with mortgages in 2022: $3,535 (0.8%) Median real estate property taxes paid for housing units with no mortgage in 2022: $4,088 (0.9%)
Estimated median house/condo value in 2022: $420,071
20732:
$420,071
Maryland:
$398,100
According to our research of Maryland and other state lists, there were 9 registered sex offenders living in 20732 zip code as of May 17, 2024. The ratio of all residents to sex offenders in zip code 20732 is 1,122 to 1. The ratio of registered sex offenders to all residents in this zip code is lower than the state average.
Median resident age:
This zip code:
43.7 years
Maryland median age:
39.7 years
Average household size:
This zip code:
2.5 people
Maryland:
2.5 people
Averages for the 2020 tax year for zip code 20732, filed in 2021:
Average Adjusted Gross Income (AGI) in 2020: $89,753 (Individual Income Tax Returns)
Here:
$89,753
State:
$86,905
Salary/wage: $81,913 (reported on 85.7% of returns)
Here:
$81,913
State:
$73,953
(% of AGI for various income ranges: 1096.9% for AGIs below $25k, 3567.4% for AGIs $25k-50k, 6323.9% for AGIs $50k-75k, 9373.8% for AGIs $75k-100k, 18936.4% for AGIs $100k-200k, 55659.4% for AGIs over 200k)
Taxable interest for individuals: $798 (reported on 39.5% of returns)
This zip code:
$798
Maryland:
$1,528
(% of AGI for various income ranges: 9.0% for AGIs below $25k, 16.2% for AGIs $25k-50k, 44.9% for AGIs $50k-75k, 36.8% for AGIs $75k-100k, 59.4% for AGIs $100k-200k, 317.5% for AGIs over 200k)
Ordinary dividends: $4,278 (reported on 19.8% of returns)
Here:
$4,278
State:
$8,028
(% of AGI for various income ranges: 18.1% for AGIs below $25k, 27.6% for AGIs $25k-50k, 61.0% for AGIs $50k-75k, 61.3% for AGIs $75k-100k, 157.2% for AGIs $100k-200k, 1291.9% for AGIs over 200k)
Net capital gain/loss in AGI: +$10,317 (reported on 18.0% of returns)
Here:
+$10,317
State:
+$25,238
(% of AGI for various income ranges: 2.9% for AGIs below $25k, 22.2% for AGIs $25k-50k, 41.5% for AGIs $50k-75k, 108.3% for AGIs $75k-100k, 275.4% for AGIs $100k-200k, 3982.5% for AGIs over 200k)
Profit/loss from business: +$9,560 (reported on 15.9% of returns)
Here:
+$9,560
State:
+$11,398
(% of AGI for various income ranges: 55.0% for AGIs below $25k, 102.8% for AGIs $25k-50k, 96.9% for AGIs $50k-75k, 101.3% for AGIs $75k-100k, 268.2% for AGIs $100k-200k, 2115.6% for AGIs over 200k)
Taxable individual retirement arrangement distribution: $22,231 (reported on 7.6% of returns)
20732:
$22,231
Maryland:
$20,944
(% of AGI for various income ranges: 27.5% for AGIs below $25k, 71.0% for AGIs $25k-50k, 119.5% for AGIs $50k-75k, 226.0% for AGIs $75k-100k, 419.3% for AGIs $100k-200k, 1682.5% for AGIs over 200k)
Self-employed (Keogh) retirement plans: $18,600 (reported on 0.6% of returns)
20732:
$18,600
Maryland:
$29,558
(% of AGI for various income ranges: 118.7% for AGIs $75k-100k)
Total itemized deductions: $26,356 (reported on 27.5% of returns)
Here:
$26,356
State:
$30,672
(% of AGI for various income ranges: 59.8% for AGIs below $25k, 297.8% for AGIs $25k-50k, 732.7% for AGIs $50k-75k, 1284.7% for AGIs $75k-100k, 1995.9% for AGIs $100k-200k, 4922.5% for AGIs over 200k)
Charity contributions: $5,753 (reported on 22.1% of returns)
Here:
$5,753
State:
$9,065
(% of AGI for various income ranges: 39.0% for AGIs $25k-50k, 104.2% for AGIs $50k-75k, 170.4% for AGIs $75k-100k, 352.3% for AGIs $100k-200k, 1210.6% for AGIs over 200k)
Taxes paid: $8,667 (reported on 27.3% of returns)
20732:
$8,667
State:
$8,475
(% of AGI for various income ranges: 8.6% for AGIs below $25k, 63.5% for AGIs $25k-50k, 237.8% for AGIs $50k-75k, 464.5% for AGIs $75k-100k, 700.2% for AGIs $100k-200k, 1435.0% for AGIs over 200k)
Earned income credit: $2,061 (reported on 7.9% of returns)
Here:
$2,061
State:
$2,151
(% of AGI for various income ranges: 56.2% for AGIs below $25k, 54.9% for AGIs $25k-50k)
Percentage of individuals using paid preparers for their 2020 taxes: 92.4%
Here:
92%
State:
90%
(% for various income ranges: 91.4% for AGIs below $25k, 91.3% for AGIs $25k-50k, 93.5% for AGIs $50k-75k, 92.2% for AGIs $75k-100k, 92.7% for AGIs $100k-200k, 95.1% for AGIs over 200k)
Averages for the 2012 tax year for zip code 20732, filed in 2013:
Average Adjusted Gross Income (AGI) in 2012: $76,576 (Individual Income Tax Returns)
Here:
$76,576
State:
$72,703
Salary/wage: $69,237 (reported on 88.9% of returns)
Here:
$69,237
State:
$62,228
(% of AGI for various income ranges: 79.8% for AGIs below $25k, 80.2% for AGIs $25k-50k, 81.1% for AGIs $50k-75k, 82.4% for AGIs $75k-100k, 86.1% for AGIs $100k-200k, 64.5% for AGIs over 200k)
Taxable interest for individuals: $742 (reported on 44.9% of returns)
This zip code:
$742
Maryland:
$1,413
(% of AGI for various income ranges: 0.9% for AGIs below $25k, 0.6% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 0.4% for AGIs $100k-200k, 0.4% for AGIs over 200k)
Ordinary dividends: $2,957 (reported on 19.6% of returns)
Here:
$2,957
State:
$6,933
(% of AGI for various income ranges: 0.9% for AGIs below $25k, 0.8% for AGIs $25k-50k, 0.5% for AGIs $50k-75k, 0.6% for AGIs $75k-100k, 0.6% for AGIs $100k-200k, 1.5% for AGIs over 200k)
Net capital gain/loss in AGI: +$4,273 (reported on 14.4% of returns)
Here:
+$4,273
State:
+$14,830
(% of AGI for various income ranges: 0.4% for AGIs $75k-100k, 0.4% for AGIs $100k-200k, 3.3% for AGIs over 200k)
Profit/loss from business: +$7,924 (reported on 14.2% of returns)
Here:
+$7,924
State:
+$12,606
(% of AGI for various income ranges: 4.9% for AGIs below $25k, 0.9% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 1.4% for AGIs $75k-100k, 1.4% for AGIs $100k-200k, 1.5% for AGIs over 200k)
Taxable individual retirement arrangement distribution: $15,710 (reported on 7.9% of returns)
20732:
$15,710
Maryland:
$17,065
(% of AGI for various income ranges: 1.8% for AGIs below $25k, 1.4% for AGIs $25k-50k, 1.6% for AGIs $50k-75k, 1.3% for AGIs $75k-100k, 1.4% for AGIs $100k-200k, 2.6% for AGIs over 200k)
Total itemized deductions: $26,093 (24% of AGI, reported on 57.5% of returns)
Here:
$26,093
State:
$27,886
Here:
23.5% of AGI
State:
22.8% of AGI
(% of AGI for various income ranges: 11.5% for AGIs below $25k, 17.1% for AGIs $25k-50k, 21.3% for AGIs $50k-75k, 22.2% for AGIs $75k-100k, 20.5% for AGIs $100k-200k, 16.9% for AGIs over 200k)
Charity contributions: $2,946 (reported on 47.6% of returns)
Here:
$2,946
State:
$4,452
(% of AGI for various income ranges: 0.9% for AGIs below $25k, 1.7% for AGIs $25k-50k, 1.8% for AGIs $50k-75k, 2.0% for AGIs $75k-100k, 1.9% for AGIs $100k-200k, 1.9% for AGIs over 200k)
Taxes paid: $10,402 (reported on 57.1% of returns)
20732:
$10,402
State:
$11,690
(% of AGI for various income ranges: 2.4% for AGIs below $25k, 4.2% for AGIs $25k-50k, 6.8% for AGIs $50k-75k, 7.8% for AGIs $75k-100k, 8.8% for AGIs $100k-200k, 8.8% for AGIs over 200k)
Earned income credit: $2,020 (reported on 10.1% of returns)
Here:
$2,020
State:
$2,199
(% of AGI for various income ranges: 4.8% for AGIs below $25k, 0.9% for AGIs $25k-50k)
Percentage of individuals using paid preparers for their 2012 taxes: 46.2%
Here:
46%
State:
52%
(% for various income ranges: 40.3% for AGIs below $25k, 41.9% for AGIs $25k-50k, 51.4% for AGIs $50k-75k, 50.7% for AGIs $75k-100k, 47.1% for AGIs $100k-200k, 61.9% for AGIs over 200k)
Averages for the 2004 tax year for zip code 20732, filed in 2005:
Average Adjusted Gross Income (AGI) in 2004: $60,378 (Individual Income Tax Returns)
Here:
$60,378
State:
$60,339
Salary/wage: $55,872 (reported on 90.0% of returns)
Here:
$55,872
State:
$52,211
(% of AGI for various income ranges: 109.6% for AGIs below $10k, 79.3% for AGIs $10k-25k, 84.4% for AGIs $25k-50k, 86.8% for AGIs $50k-75k, 89.6% for AGIs $75k-100k, 78.7% for AGIs over 100k)
Taxable interest for individuals: $947 (reported on 52.7% of returns)
This zip code:
$947
Maryland:
$1,701
(% of AGI for various income ranges: 5.2% for AGIs below $10k, 1.0% for AGIs $10k-25k, 0.8% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 1.0% for AGIs over 100k)
Taxable dividends: $1,991 (reported on 21.1% of returns)
Here:
$1,991
State:
$4,235
(% of AGI for various income ranges: 2.5% for AGIs below $10k, 1.1% for AGIs $10k-25k, 0.7% for AGIs $25k-50k, 0.3% for AGIs $50k-75k, 0.3% for AGIs $75k-100k, 0.9% for AGIs over 100k)
Net capital gain/loss: +$10,100 (reported on 16.6% of returns)
Here:
+$10,100
State:
+$15,888
(% of AGI for various income ranges: -0.4% for AGIs below $10k, -0.1% for AGIs $10k-25k, 0.4% for AGIs $25k-50k, 0.5% for AGIs $50k-75k, 0.6% for AGIs $75k-100k, 5.7% for AGIs over 100k)
Profit/loss from business: +$8,749 (reported on 14.3% of returns)
Here:
+$8,749
State:
+$12,221
(% of AGI for various income ranges: 5.6% for AGIs below $10k, 3.6% for AGIs $10k-25k, 2.4% for AGIs $25k-50k, 1.2% for AGIs $50k-75k, 1.9% for AGIs $75k-100k, 2.2% for AGIs over 100k)
IRA payment deduction: $3,018 (reported on 2.6% of returns)
20732:
$3,018
Maryland:
$2,968
(% of AGI for various income ranges: 0.3% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.1% for AGIs $75k-100k, 0.1% for AGIs over 100k)
Self-employed pension: $9,913 (reported on 0.5% of returns)
Here:
$9,913
Maryland:
$17,155
Total itemized deductions: $21,179 (25% of AGI, reported on 60.5% of returns)
Here:
$21,179
State:
$22,960
Here:
24.9% of AGI
State:
23.3% of AGI
(% of AGI for various income ranges: 18.7% for AGIs below $10k, 16.9% for AGIs $10k-25k, 21.1% for AGIs $25k-50k, 23.9% for AGIs $50k-75k, 23.3% for AGIs $75k-100k, 19.7% for AGIs over 100k)
Charity contributions deductions: $2,510 (3% of AGI, reported on 54.5% of returns)
Here:
$2,510
State:
$4,031
Here:
2.9% of AGI
State:
3.9% of AGI
(% of AGI for various income ranges: 1.4% for AGIs below $10k, 2.1% for AGIs $10k-25k, 2.2% for AGIs $25k-50k, 2.4% for AGIs $50k-75k, 2.3% for AGIs $75k-100k, 2.3% for AGIs over 100k)
Total tax: $8,004 (reported on 83.0% of returns)
20732:
$8,004
State:
$10,167
(% of AGI for various income ranges: 2.9% for AGIs below $10k, 4.3% for AGIs $10k-25k, 6.9% for AGIs $25k-50k, 8.9% for AGIs $50k-75k, 9.4% for AGIs $75k-100k, 14.5% for AGIs over 100k)
Earned income credit: $1,620 (reported on 8.3% of returns)
Here:
$1,620
State:
$1,700
Percentage of individuals using paid preparers for their 2004 taxes: 51.1%
Here:
51%
State:
55%
(% for various income ranges: 36.0% for AGIs below $10k, 49.8% for AGIs $10k-25k, 51.4% for AGIs $25k-50k, 58.4% for AGIs $50k-75k, 55.3% for AGIs $75k-100k, 53.4% for AGIs over 100k)
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)
Lesbian couples: 0.4% of all households
Gay men: 0.0% of all households
Household received Food Stamps/SNAP in the past 12 months: 298 Household did not receive Food Stamps/SNAP in the past 12 months: 3,901
Women who had a birth in the past 12 months: 111 (89 now married, 21 unmarried) Women who did not have a birth in the past 12 months: 2,517 (1,219 now married, 1,298 unmarried)
Housing units in zip code 20732 with a mortgage: 2,781 (201 second mortgage, 6 home equity loan, 193 both second mortgage and home equity loan) Houses without a mortgage: 14
Median monthly owner costs for units with a mortgage: $2,082 Median monthly owner costs for units without a mortgage: $714
Residents with income below the poverty level in 2022:
This zip code:
2.7%
Whole state:
9.6%
Residents with income below 50% of the poverty level in 2022:
This zip code:
1.9%
Whole state:
4.7%
Median number of rooms in houses and condos:
Here:
7.6
State:
7.3
Median number of rooms in apartments:
Here:
5.4
State:
4.2
Notable locations in this zip code not listed on our city pages
Notable locations in zip code 20732: Camp Roosevelt (A), Breezy Point Marina (B), North Beach Volunteer Fire Department Company 1 (C), Chesapeake Beach Town Hall (D), Chesapeake Railway Museum (E), Calvert County Public Library - Twin Beaches Branch (F). Display/hide their locations on the map
Churches in zip code 20732 include: Bayside Baptist Church (A), Saint Edmonds Church (B), Kings Apostolic Holy Temple Church (C), Randle Cliff Community Church (D). Display/hide their locations on the map
In group quarters: 1 (-1 institutionalized population)
Size of family households: 1,254 2-persons, 688 3-persons, 605 4-persons, 239 5-persons, 93 6-persons, 58 7-or-more-persons
Size of nonfamily households: 1,182 1-person, 68 2-persons, 23 4-persons
2,045 married couples with children.
277 single-parent households (61 men, 216 women).
94.1% of residents of 20732 zip code speak English at home.
1.4% of residents speak Spanish at home (51% very well, 32% well, 17% not well).
1.0% of residents speak other Indo-European language at home (100% very well).
2.5% of residents speak Asian or Pacific Island language at home (94% very well, 6% not at all).
Foreign born population: 343 (3.2%) (68.1% of them are naturalized citizens)
This zip code:
3.2%
Whole state:
16.7%
56%Malaysia
10%Colombia
7%Sweden
7%United Kingdom, excluding England and Scotland
6%France
6%Belarus
5%Chile
13%English
11%German
9%American
8%European
7%Irish
6%Italian
2%Scottish
Year of entry for the foreign-born population
1202010 or later
1812000 to 2009
651990 to 1999
152Before 1990
Facilities with environmental interests located in this zip code:
NAVAL RESEARCH LABORATORY CBD (5813 BAYSIDE ROAD in CHESAPEAKE BEACH, MD) . Federal Facility. U.S. NAVY
AIR MINOR (AIRS/AFS) SUPERFUND (Superfund database) STATE MASTER (Maryland Permits tracking) - NPDES NON-MAJOR, NPDES STORMWATER PERMIT, OIL CONTROL STATE MASTER (Maryland Air Emissions Database) - AIR MINOR COMPLIANCE ACTIVITY (Tracking inspections of insecticide, fungicide, and rodenticide, and toxic substances) National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit HAZARDOUS WASTE BIENNIAL REPORTER (Resource Conservation and Recovery Act (tracking hazardous waste)) Small Quantity Generators, between 100 kg and 1000 kg of hazardous waste/month (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification Business SIC classification: NONCOMMERCIAL RESEARCH ORGANIZATIONS; NATIONAL SECURITY Organizations: OPERNAME (CONTACT/OPERATOR)
, US NAVY (CONTACT/OWNER)
Alternative names: NAVAL RESEARCH-CHESA, NAVAL RESEARCH LAB-CHES.BAY-LT.CMDR.JONE, NAVAL RESEARCH LAB/CHESAPEAKE, NAVAL RESEARCH LAB/CHESAPEAKE BAY DETACH, NAVAL RESEARCH LAB -CHESAPEAKE BEACH, NAVAL RESEARCH LAB WWTP/BAY, RANDALL CLIFFS, USN CHES BAY DETACH BLDG 4, USN CHES BAY DETACH PAST CHEM LANDFILL, USN NAVAL RESEARCH LABORATORY, USN NAVAL RESEARCH LAB CHES BAY DETACH
BEACH ELEMENTARY SCHOOL (7900 OLD BAYSIDE ROAD in CHESAPEAKE BEACH, MD)
AIR MINOR (AIRS/AFS) STATE MASTER (Maryland Air Emissions Database) - AIR MINOR (National Center for Education Statistics) - STATE ID-040302 Business SIC classification: ELEMENTARY AND SECONDARY SCHOOLS Organizations: CALVERT COUNTY PUBLIC SCHOOLS (SCHOOL DISTRICT)
Housing units lacking complete plumbing facilities: 1.2% Housing units lacking complete kitchen facilities: 1.1%
78.8%Electricity
8.1%Bottled, tank, or LP gas
6.3%Fuel oil, kerosene, etc.
2.7%Utility gas
1.9%Solar energy
1.0%No fuel used
0.7%Other fuel
0.5%Wood
Population in 1990: 4,856. Population change in the 1990s: +3,349 (+69.0%).
Place of birth for U.S.-born residents:
This state: 5,043
Northeast: 1,095
Midwest: 432
South: 2,720
West: 753
54% of the 20732 zip code residents lived in the same house 5 years ago. Out of people who lived in different houses, 36% lived in this county. Out of people who lived in different counties, 50% lived in Maryland.
92% of the 20732 zip code residents lived in the same house 1 year ago. Out of people who lived in different houses, 25% moved from this county. Out of people who lived in different houses, 33% moved from different county within same state. Out of people who lived in different houses, 41% moved from different state. Out of people who lived in different houses, 3% moved from abroad.
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 126
Here:
10.6%
Maryland:
15.2%
Students in private schools in grades 9 to 12 (high school): 50
Here:
8.0%
Maryland:
14.4%
Students in private undergraduate colleges:
Here:
0.0%
Maryland:
20.2%
Occupation by median earnings in the past 12 months ($)
144,821Architecture and engineering occupations
141,112Legal occupations
114,377Computer and mathematical occupations
106,072Business and financial operations occupations
102,995Management occupations
102,038Life, physical, and social science occupations
Companies with federal contracts located in this zip code:
GIBSON, STEWART DONALD III (8132 BAYVIEW HILLS DR in CHESAPEAKE BEA, MD; small business) : $28,120 in 5 contractsin 2002
Contracts for Maintenance, Repair or Alteration of Real Property -- Government-Owned Government-Operated (GOGO) R&D Facilities by Navy Signed by year:2000: $0; 2001: $0; 2002: $28,120; 2003: $0; 2004: $0; 2005: $0; 2006: $0.
Biggest contracts:
$10,270 with Navy for Maintenance, Repair or Alteration of Real Property -- Government-Owned Government-Operated (GOGO) R&D Facilities. Taking place in VA. Signed on 2002-06-21. Completion date: 2002-07-02.
$8,900, same as above.Signed on 2002-06-10. Completion date: 2002-07-16.
$7,600, same as above.Signed on 2002-07-10. Completion date: 2002-07-02.
$1,000, same as above.Signed on 2002-07-15. Completion date: 2002-07-16.
HAN OH, YEONJU (8146 MOFFAT RUN in CHESAPEAKE BEA, MD; small business)
$5,109 with Army for Other Defense -- Applied Research and Exploratory Development (R&D). Signed on 2005-03-23. Completion date: 2005-04-29.
Top industries in this zip code by the number of employees in 2005:
2002 - 2018 National Fire Incident Reporting System (NFIRS) incidents
According to the data from the years 2002 - 2018 the average number of fire incidents per year is 29. The highest number of reported fires - 75 took place in 2004, and the least - 8 in 2018. The data has a declining trend.
When looking into fire subcategories, the most reports belonged to: Structure Fires (53.9%), and Outside Fires (24.5%).
Fire incident types reported to NFIRS in Zip Code 20732