Census tract · Calvert County
Census Tract 8604.03, Calvert County, Maryland
Census Tract 8604.03, GEOID 24009860403, in Calvert County, Maryland, mostly within Chesapeake Beach (60% of its census blocks). 3,709 residents in the ACS 2020-2024 5-year estimates (±357); the 2020 Census counted 3,456.
Residents, 2020-2024
3,709
±357 (90% margin)
2020 Census count: 3,456
Median household income
$124,304
±$25,719 (90% margin)
Calvert County: $133,922
Median home value
$405,000
±$72,370 (90% margin)
Calvert County: $460,200
Median gross rent
$1,300
±$1,115 (90% margin)
Calvert County: $1,759
Where is Census Tract 8604.03?
Census Tract 8604.03 is one of 19 census tracts in Calvert County, Maryland. It covers 2.93 square miles of land, 1,180 residents per square mile in 2020. Its GEOID, 24009860403, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Chesapeake Beach | 60% |
3 census tracts border Census Tract 8604.03: Tract 8603 ($160,917), Tract 8604.02 ($134,784) and Tract 8604.04 ($104,599). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 8604.03?
The 2020-2024 American Community Survey puts Census Tract 8604.03's population at 3,709 (±357) in 1,492 households; the 2020 Census counted 3,456 residents and 1,296 housing units.
| Measure | Tract 8604.03 | Chesapeake Beach |
|---|---|---|
| Total population | 3,709 ±357 | 6,456 |
| Households | 1,492 ±202 | 2,554 |
| Average household size | 2.49 ±0.21 | 2.53 |
| Housing units | 1,492 ±202 | 2,823 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 8604.03?
The median resident of Census Tract 8604.03 is 41.8 years old; 25.5% are under 18 and 13.5% are 65 or older. The largest group is non-Hispanic white residents at 67.0%, then non-Hispanic residents of two or more races at 13.2%.
| Measure | Tract 8604.03 | Chesapeake Beach |
|---|---|---|
| Median age | 41.8 ±2.7 | 41.9 |
| Under 18 years | 25.5% ±4.6 pts | 24.3% |
| 65 years and over | 13.5% ±4.0 pts | 17.4% |
| Hispanic or Latino (any race) | 4.0% ±3.1 pts | 3.2% |
| White alone, not Hispanic | 67.0% ±6.1 pts | 72.8% |
| Black or African American alone, not Hispanic | 8.3% ±7.3 pts | 7.6% |
| Asian alone, not Hispanic | 7.2% ±4.7 pts | 4.2% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±1.1 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.1 pts | 0.0% |
| Two or more races, not Hispanic | 13.2% ±7.2 pts | 12.0% |
| Some other race alone, not Hispanic | 0.4% ±0.5 pts | 0.2% |
| Born outside the United States | 4.6% ±3.2 pts | 3.3% |
| Speak a language other than English at home (age 5+) | 6.2% ±4.5 pts | 5.1% |
| Civilian veterans (age 18+) | 7.8% ±4.8 pts | 7.2% |
| With a disability | 15.5% ±5.8 pts | 10.8% |
| No health insurance coverage | 0.7% ±1.1 pts | 1.0% |
| High school graduate or higher (age 25+) | 95.0% ±5.0 pts | 96.3% |
| Bachelor's degree or higher (age 25+) | 50.0% ±9.8 pts | 49.0% |
| Graduate or professional degree (age 25+) | 22.6% ±7.9 pts | 25.4% |
| Lived in the same house a year earlier | 94.3% ±3.1 pts | 87.4% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 8604.03 earn?
Half of the 1,492 households in Census Tract 8604.03 earn less than $124,304 a year (±$25,719), against $133,922 across Calvert County: 13th highest of the county's 18 tracts with a reliable estimate.
| Measure | Tract 8604.03 | Chesapeake Beach |
|---|---|---|
| Median household income | $124,304 ±$25,719 | $138,895 |
| Mean household income | $132,602 ±$21,868 | $147,313 |
| Per capita income | $52,272 ±$7,586 | $59,738 |
| People below the poverty line | 4.9% ±4.4 pts | 2.8% |
| Children under 18 below the poverty line | 2.9% ±3.3 pts | 1.7% |
| Households receiving SNAP | 8.4% ±8.6 pts | 5.7% |
| Households with a computer | 91.9% ±8.7 pts | 88.1% |
| Households with a broadband subscription | 91.9% ±8.7 pts | 87.3% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 8604.03?
Owners occupy 80.5% of Census Tract 8604.03's occupied homes and renters 19.5%. The median owner-occupied home is valued at $405,000 by its owner (±$72,370).
| Measure | Tract 8604.03 | Chesapeake Beach |
|---|---|---|
| Median home value (owner-occupied) | $405,000 ±$72,370 | $444,600 |
| Median gross rent | $1,300 ±$1,115 | $1,756 |
| Renters paying 35% or more of income on rent | 63.0% ±27.9 pts | 53.8% |
| Median monthly owner costs, with a mortgage | $2,167 ±$184 | $2,274 |
| Owner-occupied homes | 80.5% ±10.4 pts | 82.8% |
| Renter-occupied homes | 19.5% ±10.4 pts | 17.2% |
| Housing units | 1,492 ±202 | 2,823 |
| Single-family detached homes | 49.3% ±10.7 pts | 61.8% |
| Mobile homes | 0.0% ±2.8 pts | 0.0% |
| Built 2020 or later | 1.9% ±2.5 pts | 1.6% |
| Built 2010 to 2019 | 5.7% ±3.7 pts | 8.0% |
| Built 1939 or earlier | 2.5% ±2.6 pts | 4.3% |
| Households with no vehicle | 9.6% ±8.8 pts | 5.6% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 8604.03 get to work?
73.3% of Census Tract 8604.03's workers drive alone and 15.2% work from home. The average trip to work takes 39.5 minutes.
| Measure | Tract 8604.03 | Chesapeake Beach |
|---|---|---|
| In the labor force (age 16+) | 68.8% ±10.4 pts | 69.7% |
| Unemployment rate | 0.9% ±1.5 pts | 2.0% |
| Drove alone to work | 73.3% ±7.5 pts | 70.7% |
| Carpooled | 8.3% ±5.5 pts | 6.6% |
| Public transportation | 1.7% ±2.3 pts | 1.2% |
| Walked | 0.8% ±1.4 pts | 0.9% |
| Worked from home | 15.2% ±5.6 pts | 19.7% |
| Mean travel time to work | 39.5 min ±6.0 | 41.3 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 8604.03 compare with the other tracts in Calvert County?
Among Calvert County's tracts with a reliable estimate, Census Tract 8604.03 ranks as shown below (1 = highest).
| Measure | In Calvert County |
|---|---|
| Population | 14th of 18 |
| Residents per square mile | 4th of 18 |
| Median household income | 13th of 18 |
| Per capita income | 14th of 18 |
| Median home value | 15th of 18 |
| Bachelor's degree or higher | 1st of 18 |
| Median age | 7th of 18 |
| Owner-occupied share | 15th of 18 |
The tracts next to it on Calvert County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 8604.02 | 10th | $134,784±$27,724 · within the margin of this tract |
| Tract 8607.01 | 11th | $130,293±$29,177 · within the margin of this tract |
| Tract 8609.02 | 12th | $126,528±$24,562 · within the margin of this tract |
| Tract 8604.03 | 13th | $124,304±$25,719 |
| Tract 8607.03 | 14th | $111,111±$13,832 · within the margin of this tract |
| Tract 8607.02 | 15th | $110,323±$23,500 · within the margin of this tract |
| Tract 8610.03 | 16th | $109,904±$12,934 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 8604.03?
4 of the 18 figures for Census Tract 8604.03 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections