Market Overview
Home Prices in Chesapeake Beach, MD
The median home value in Chesapeake Beach, MD is $469,547 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.2% compared to a year ago and up 1.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Chesapeake Beach are priced15% above average. Chesapeake Beach is part of the Washington-Arlington-Alexandria, DC-VA-MD-WV metro area.
Over the past five years, Chesapeake Beach home values have risen by approximately16.1%, reflecting steady appreciation in this market.
Price History
Chesapeake Beach Home Price Trend
City Comparison
Chesapeake Beach vs. National Median
At $469,547, homes in Chesapeake Beach cost 15% above the national median of $410,000. Buyers in Chesapeake Beach should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Chesapeake Beach?
20% Down Payment
$93,909
on $469,547
Monthly P&I
$2,449/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,110/mo
incl. taxes & insurance
Income Needed
$124,400
gross annual (30% rule)
10% Down Option
$46,955
+ PMI applies
Loan Amount (20% dn)
$375,638
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Chesapeake Beach, MD?
The median home value in Chesapeake Beach is $469,547 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.2% year-over-year.
How much have home prices changed in Chesapeake Beach?
Over the past year, home values in Chesapeake Beach have increased by 0.2%. Over five years, prices have risen approximately 16.1%.
How much do I need to earn to buy a home in Chesapeake Beach?
To comfortably afford the median home price of $469,547 with a 20% down payment ($93,909) at today's rates (6.8%), you'd need a gross annual income of approximately $124,400. This assumes keeping total housing costs at or below 30% of gross income.
How does Chesapeake Beach compare to the national average home price?
The national median home value is approximately $410,000. At $469,547, homes in Chesapeake Beach are 15% above the national average.
What metro area is Chesapeake Beach part of?
Chesapeake Beach is part of the Washington-Arlington-Alexandria, DC-VA-MD-WV metropolitan area. Home prices and market conditions can vary across the broader metro region.