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City · 6,456 residents · Calvert County, Maryland

Chesapeake Beach , Maryland

In Chesapeake Beach, a typical home is worth $444,600 and typical rent is $1,756 a month. Home values, rent and income are very close to those of all of Calvert County.

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  • Typical home value

    $444,600

    3% below the county

    6% above Maryland

    • Chesapeake Beach
    • Calvert
    • Maryland

  • Typical rent

    $1,756a month

    About the same as the county

    3% above Maryland

    • Chesapeake Beach
    • Calvert
    • Maryland

  • Typical household income

    $138,895a year

    4% above the county

    34% above Maryland

    • Chesapeake Beach
    • Calvert
    • Maryland

  • Households that own their home

    83%

    4 points below the county

    15 points above Maryland

    • Chesapeake Beach
    • Calvert
    • Maryland

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$459,938
about the same as 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Chesapeake Beach is in Calvert County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Calvert County. See the county

Data updated: October 1, 2026 11 official sources

The homes here

Housing in Chesapeake Beach

What homes there are in Chesapeake Beach, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Chesapeake Beach, 6 in 10 homes are single-family detached houses; in Calvert County, 9.

Year built

The typical year built in Chesapeake Beach is 1993, about the same as in Calvert County (1990).

There are fewer big homes in Chesapeake Beach than in Calvert County: 78% have 3 bedrooms or more, against 85%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,274 a month

Calvert County: $2,373 a month

Owners with a mortgage

84%

Calvert County: 79%

The typical cost for an owner with a mortgage in Chesapeake Beach is $2,274 a month, near the figure in Calvert County ($2,373).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Chesapeake Beach rose 31%; in Calvert County, it rose 28%.

Rent in Chesapeake Beach moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureChesapeake BeachCalvert CountyMarylandUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.5%3.4%
People per household 2.532.802.572.53
Drive alone 71%73%65%69%
Carpool 7%6%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 20%19%19%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Chesapeake Beach has 2.53 people, fewer than in Calvert County (2.80).

To get to work, 71% of workers in Chesapeake Beach drive alone; in Calvert County, 73%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Chesapeake Beach?

A typical home is tight for the typical income

We start with a typical home in Chesapeake Beach, worth $444,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Chesapeake Beach, which is $138,895 a year. For that payment to be 28% of income, a household would need to earn about $156,288 a year.

The calculator's FHA and conventional loan limits are those of all of Calvert County.

Your numbers

Local data
$

Starts at the typical home value in Chesapeake Beach. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $15,561 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,647

at 7.18% · 30 years

Loan amount
$436,547
Total interest
$628,089
Paid off in
November 2056

Includes $7,508 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,241 a month

  • Tight

    $3,241 to $4,167 a month

    Your payment · 32%

  • Hard

    more than $4,167 a month

Compared with the typical household income in Chesapeake Beach ($138,895 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,647
Principal & interest$2,957
Property tax$308
Home insurance$185
FHA mortgage insurance (MIP)$197

You need at least $15,561 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Chesapeake Beach and Calvert County

Chesapeake Beach is in Calvert County, Maryland. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Chesapeake Beach's own numbers

Typical home value
$444,600
Typical monthly rent
$1,756
Typical yearly household income
$138,895
Households that own their home
83%
Effective property tax rate
0.83%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Calvert County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$1,890
Price change over 5 years (FHFA)
+38%
Homes in a high flood-risk zone
1.6%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Calvert County.

Everything about Calvert County

Buying

Buying a home in Chesapeake Beach

A typical home in Chesapeake Beach is worth $444,600: 3% below the county and 6% above Maryland. With the typical household income in Chesapeake Beach ($138,895 a year), a typical home costs 3.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Chesapeake Beach 3.2 years
  • Calvert 3.4 years
  • Maryland 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Calvert County

According to FHFA’s house price index, home prices in Calvert County rose 56% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Calvert County.

Period County Maryland U.S.
Last year (2025) +4.0% +2.7% +2.9%
5 years (2020–2025) +38% +40% +47%
10 years (2015–2025) +56% +60% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Chesapeake Beach next to Calvert County, Maryland and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Chesapeake Beach $444,600
  • Calvert $460,200
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Chesapeake Beach $1,756
  • Calvert $1,759
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Chesapeake Beach $138,895
  • Calvert $133,922
  • Maryland $103,678
  • United States $80,734
See the full table
Chesapeake Beach next to Calvert County and Maryland
Measure Chesapeake Beach Calvert County Maryland U.S.
Typical home value $444,600 $460,200 $419,900 $332,700
Typical monthly rent $1,756 $1,759 $1,705 $1,413
Typical yearly household income $138,895 $133,922 $103,678 $80,734
Households that own their home 83% 87% 68% 65%
Typical yearly property tax $3,676 $3,885 $4,093 $3,119
Effective property tax rate 0.83% 0.84% 0.97% 0.94%
Renters with high rent for their income 58% 48% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Calvert County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Chesapeake Beach

For a typical $444,600 home in Chesapeake Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Chesapeake Beach's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,647a month

    Least cash to close
    Down payment
    $15,561
    Cash to close
    $28,899
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $197

  • Conventional, 5% down $3,565a month

    Down payment
    $22,230
    Cash to close
    $35,568
    Rate
    7.18%
    Mortgage insurance
    PMI · $211

  • Conventional, 20% down, no PMI $2,902a month

    Down payment
    $88,920
    Cash to close
    $102,258
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,313a month

    Down payment
    $66,690
    Cash to close
    $80,028
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Chesapeake Beach and for Calvert County.

Property tax

Effective rate in Chesapeake Beach

0.83%of the home’s value each year

$3,676 a year for the typical owner in Chesapeake Beach.

  • Chesapeake Beach 0.83%
  • Calvert 0.84%
  • Maryland 0.97%

What Maryland publishes Homestead tax credit (cap on yearly assessment increases) (Maryland General Assembly (Annotated Code of Maryland, Tax-Property Article))

Exemptions and deadlines in Maryland

Flood risk in Calvert County

FEMA does not publish these numbers by city: they are for all of Calvert County.

Homes in the high-risk zone
1.6%
560
Of those, with NFIP insurance
63%
County Maryland U.S.
Homes in the high-risk zone 1.6% 1.2% 3.5%
Of those, with NFIP insurance 63% 74% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Chesapeake Beach

Typical rent in Chesapeake Beach is $1,756 a month: about the same as the county. In Chesapeake Beach, 58% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Calvert County, by unit size. To pay the 2-bedroom one ($1,890 a month) without spending more than 30% of your income, you would need to earn $36.35 an hour working full time.

HUD fair market rent for all of Calvert County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,630 $31.35 $65,200
1 bedroom $1,666 $32.04 $66,640
2 bedrooms $1,890 $36.35 $75,600
3 bedrooms $2,617 $50.33 $104,680
4 bedrooms $2,959 $56.90 $118,360

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Chesapeake Beach

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Chesapeake Beach is in ZIP code 20732.

For 2 bedrooms it is $1,910: $20 more than the fair market rent for Calvert County ($1,890).

  • 20732 $1,910$2,640

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Chesapeake Beach when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Chesapeake Beach

HUD lists 3 buildings with rents for lower incomes in Chesapeake Beach. These are the largest.

  • Courtyards at Fishing Creek I 3945 Gordon Stinnett Ave, Chesapeake Beach 20732 30 low-income homes · 1 bd: 6 · 2 bd: 24 · In service since 1998 · For families
  • Courtyards at Fishing Creek II 3925 Gordon Stinnett Ave, Chesapeake Beach 20732 30 low-income homes · 1 bd: 8 · 2 bd: 24 · In service since 1999
  • Courtyards at Fishing Creek III 3861 Gordon Stinnett Ave, Chesapeake Beach 20732 16 low-income homes · 2 bd: 8 · 3 bd: 8 · In service since 2001

See all 12 buildings in Calvert County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Chesapeake Beach

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Calvert County. The nearest ones are below; many serve by phone or online.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Chesapeake Beach

No down payment, repair or rent-help program on our list is for Chesapeake Beach or Calvert County. The ones below are statewide in Maryland: they work in Chesapeake Beach the same as in the rest of the state.

Which programs do I qualify for? All programs in Maryland

  • MMP 1st Time Advantage

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers, with a deferred 0% second mortgage for the down payment: $6,000, or 3%, 4% or 5% of the loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • MMP Flex Loans

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers and for people who have owned a home before; Flex 6000 brings $6,000 and Flex 3% brings 3% of the loan for the down payment, as a deferred 0% second loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • Maryland SmartBuy

    Statewide in Maryland

    Maryland Mortgage Program loan of up to 15% of the price (maximum $25,000) to pay off your student debt when you buy a home; no interest or monthly payments, and forgiven after five years if you stay in the home. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Forgivable

    See the program Official page

Housing counselors near Chesapeake Beach

The HUD-approved agencies closest to the center of Chesapeake Beach, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Southern Maryland Tri-County Community Action

    8371 Old Leonardtown Rd, Hughesville · 16 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (301) 274-4474

  • Arundel Community Development Service Inc

    2666 Riva Road, Annapolis · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (410) 222-7612

  • Anne Arundel County Community Action Agency, Incorporated

    251 West St, Annapolis · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (410) 626-1900

All counseling agencies in Maryland

Help in Spanish near Chesapeake Beach

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Chesapeake Beach

HUD’s record names them for Chesapeake Beach or Calvert County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of Calvert County Public housing and Section 8 vouchers (410) 535-5010

All housing agencies in Maryland Source: HUD

Cities

Other cities in Calvert County

These cities are also in Calvert County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Calvert County Housing in Maryland

Nearby cities

The cities closest to Chesapeake Beach, with the typical home value.

Neighboring counties

If Calvert County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Chesapeake Beach.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Chesapeake Beach

Short answers with the numbers for Chesapeake Beach and all of Calvert County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Chesapeake Beach?

The typical home value in Chesapeake Beach is $444,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Calvert County it is $460,200.

How much does it cost to rent in Chesapeake Beach?

Typical rent in Chesapeake Beach is $1,756 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Calvert County is $1,890.

What is the FHA loan limit in Chesapeake Beach?

Chesapeake Beach uses the FHA limit for all of Calvert County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Chesapeake Beach?

The typical homeowner in Chesapeake Beach pays $3,676 a year, according to the U.S. Census Bureau. That is 0.83% of the home’s value; in Calvert County, the rate is 0.84%.

Where can I find free help to buy or rent in Chesapeake Beach?

We found no HUD-approved counseling agencies with an office in Calvert County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).