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Chesapeake Beach town, MD

ZIP 20689 — Housing & Real Estate

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

Wealthy AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 20689

Median Home Value
$468,400
Median Rent
$1,208
Affordability Snapshot
$129,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,009/mo PITI).

8%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

32.3 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 20689 in Chesapeake Beach town, MD, a household would need roughly $129,000 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 $3,009. That sits below the local median household income ($174,583), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
88.5%+35% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
90.4%+4% vs US avg
x
4+ Bedrooms
22.4%+51% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
1.9%-73% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
19.0%-50% vs US avg
x
$468,400
Home Value
$1,208
Rent
1985
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached94.5%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units1.9%
  • Mobile home & other3.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$468,400
Median rent$1,208
Owner-occupied88.5%
Vacant0.0%
Price-to-income2.7x
Est. income to buy$129,000