1st Advantage MortgageThe median Calvert County household earns $133,922, and 4% of residents live below the poverty line. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Who lives in Calvert County
- Rent, home values and ownership in Calvert County
- What Calvert County households earn
- Work, industries and travel time in Calvert County
- Counties near Calvert County
- Cities, towns and CDPs in Calvert County
- People and households in Calvert County
- What the numbers mean for Calvert County borrowers
- Budget math at the Calvert County median
- Steps before you apply in Calvert County
- Maryland rules that apply in Calvert County
- Related local guides
- Frequently asked questions
Who lives in Calvert County
Roughly 94,313 residents live in Calvert County, Maryland, 15th by population among the state's 24 counties and county equivalents. Land area is 213 square miles (2024 Gazetteer), so density runs near 442 per square mile. The federal metro definitions (OMB, July 2023) place it in the Lexington Park, MD metropolitan area. Chesapeake Ranch Estates is the biggest of its 14 Census places, at roughly 9,241 people (10% of the county total).
Rent, home values and ownership in Calvert County
Renters in Calvert County pay a median of $1,759 a month, 3% above the Maryland figure of $1,705. 48% of renting households spend 30% or more of income on rent, and 25% spend half or more. With a median value of $460,200, a typical Calvert County house costs 3.4 times what the median household earns in a year. Owners occupy 87% of homes. Half the housing stock was built before 1990.
| Home costs | Calvert County | Maryland | U.S. middle county |
|---|---|---|---|
| Median gross rent | $1,759/mo | $1,705/mo | $877/mo |
| Median home value | $460,200 | $419,900 | $185,300 |
| Owners | 87% | 68% | 75% |
| Rent-burdened renters | 48% | 51% | 45% |
| Burdened owners | 25% | 27% | n/a |
| Mobile homes | 0.9% | 1.3% | n/a |
| Vacant units | 7% | 8% | n/a |
Because most Calvert County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
What Calvert County households earn
The median household income in Calvert County is $133,922; statewide it is $103,678, so Calvert County runs 29% above Maryland as a whole. Only 1 Maryland county post a higher median.
| Yearly household income | Calvert County | Gap to Maryland |
|---|---|---|
| Under $35,000 | 8.7% | -7.3 pts |
| $35,000 to $99,999 | 25.7% | -6.6 pts |
| $100,000 to $199,999 | 39.2% | +7.9 pts |
| $200,000 or more | 26.4% | +6.1 pts |
The spread is wide: 66% of Calvert County households make $100,000 or more, and 9% make less than $35,000. Census counts 3.9% of Calvert County residents in poverty, against 9.4% across Maryland. Income inequality, measured by the Gini index, comes to 0.383 here. None of these numbers decides a Calvert County application. Lenders weigh your own documented income against your own debts.
Work, industries and travel time in Calvert County
The biggest employer of Calvert County residents, by industry, is education and health care at 21% of workers, followed by public administration (17%). The sharpest difference from the state is in public administration, at 17% locally and 11% for Maryland. The survey's unemployment rate for Calvert County averages 2.7% over 2020 to 2024 (state: 4.9%). 40% of commuters travel 45 minutes or more each way, and 19% work from home.
| Top industries | Calvert County share | +/- vs Maryland |
|---|---|---|
| Education and health care | 20.7% | -3.2 pts |
| Public administration | 16.8% | +5.7 pts |
| Professional and administrative services | 13.3% | -3.2 pts |
| Construction | 11.7% | +4.4 pts |
| Retail trade | 8.5% | -0.4 pts |
| Arts, lodging and food service | 6.7% | -0.8 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Calvert County should have bank statements and tax returns ready.
Counties near Calvert County
Distances run center to center, from St. Mary's County at 21 miles out to Westmoreland County at 32. Income ranges from $61,839 in Dorchester County to $122,816 in Charles County; none of these neighbors top Calvert County's median. The list crosses into Virginia, where different lending rules and regulators apply.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Calvert County | - | $133,922 | $1,759/mo | 87% |
| St. Mary's County, MD | 21 mi | $119,446 | $1,747/mo | 73% |
| Talbot County, MD | 25 mi | $84,811 | $1,256/mo | 75% |
| Charles County, MD | 26 mi | $122,816 | $1,920/mo | 82% |
| Dorchester County, MD | 27 mi | $61,839 | $1,032/mo | 66% |
| Prince George's County, MD | 27 mi | $101,798 | $1,799/mo | 62% |
| Westmoreland County, VA | 32 mi | $63,398 | $1,018/mo | 80% |
Cities, towns and CDPs in Calvert County
Here are the 14 most populous of the county's 14 Census places, with income and rent from the same 2020 to 2024 survey. About 44% of Calvert County residents live in one of the 14. Incomes vary by place: $186,071 at the median in St. Leonard, $80,391 in Prince Frederick. Median rent ranges from $1,377 in Prince Frederick to $3,189 in Solomons. None of the 14 has its own city guide, so this page covers all of them.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Chesapeake Ranch Estates | CDP | 9,241 | $102,669 | $1,948 | 13 mi |
| Chesapeake Beach | town | 6,456 | $138,895 | $1,756 | 12 mi |
| Drum Point | CDP | 3,589 | $109,231 | $1,683 | 14 mi |
| Prince Frederick | CDP | 2,955 | $80,391 | $1,377 | 3 mi |
| Huntingtown | CDP | 2,689 | $185,313 | n/a | 8 mi |
| Owings | CDP | 2,643 | $176,378 | n/a | 14 mi |
| Lusby | CDP | 2,595 | $151,711 | $1,594 | 12 mi |
| Solomons | CDP | 2,440 | $94,963 | $3,189 | 13 mi |
| North Beach | town | 2,296 | $83,933 | $1,856 | 13 mi |
| Dunkirk | CDP | 2,166 | $149,271 | n/a | 16 mi |
| Long Beach | CDP | 1,849 | $126,683 | $1,384 | 5 mi |
| Calvert Beach | CDP | 1,074 | $90,000 | n/a | 4 mi |
| St. Leonard | CDP | 726 | $186,071 | n/a | 4 mi |
| Broomes Island | CDP | 460 | n/a | n/a | 8 mi |
People and households in Calvert County
College graduates make up 37% of the adult population. 3.0% of residents have no health coverage.
| Residents | Calvert County | Maryland | Middle U.S. county |
|---|---|---|---|
| Median age | 40.8 | 39.4 | 41.5 |
| Bachelor's or higher | 37.0% | 43.4% | 22.2% |
| No high school diploma | 5.1% | 8.9% | n/a |
| No health insurance | 3.0% | 6.3% | 7.8% |
| No vehicle | 3.0% | 8.8% | 5.4% |
| Work from home | 18.5% | 19.3% | 8.7% |
| Poverty rate | 3.9% | 9.4% | 13.2% |
| Unemployment (ACS) | 2.7% | 4.9% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 15.9% |
| 15 to 29 min | 23.6% |
| 30 to 44 min | 20.2% |
| 45 to 59 min | 15.3% |
| 60+ min | 25.0% |
What the numbers mean for Calvert County borrowers
What the Calvert County figures suggest, and what to check first:
- Commuter costs. 40% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Higher earners. 66% of households clear $100,000; shop at least three lenders and pick the shortest term.
- Tight rental budgets. With 48% of Calvert County renters cost-burdened, test a new payment against a lean month.
Budget math at the Calvert County median
The debt-to-income ratio is the main affordability test lenders use. Applied to Calvert County's medians:
- $133,922 a year is $11,160 of gross monthly income
- 16% goes to median rent ($1,759)
- $2,259: what a 36% ratio leaves once rent is paid
Two-income households and single earners in Calvert County land in very different places on this math, so run it for your own budget.
Steps before you apply in Calvert County
Quick steps for Calvert County:
- Borrow the amount the job needs; extra cash adds interest.
- Ask each lender for the APR and all fees in writing.
- Confirm the lender is licensed in Maryland.
- Lock paid-off cards after consolidating so balances stay at zero.
Maryland rules that apply in Calvert County
Licensing happens at the state level, so a lender working with Calvert County borrowers answers to the Maryland Office of Financial Regulation. The Consumer Financial Protection Bureau accepts complaints nationwide. More on Maryland: Maryland personal loans.
Related local guides
For statewide rules and data, see the Maryland guide.
Frequently asked questions
What does a typical Calvert County household make?
About $133,922 a year at the median (ACS 2020-24), 29% above the Maryland median.
What do renters pay in Calvert County?
$1,759 a month at the median, about 16% of median household income.
I own my home in Calvert County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 87% of homes owner-occupied here, many readers can compare both in writing.
What are the biggest places in Calvert County?
By population: Chesapeake Ranch Estates, Chesapeake Beach, Drum Point, Prince Frederick, Huntingtown. The county has 14 Census places in all.
Can Calvert County residents use the questionnaire?
Yes. It asks the same questions in every Maryland county, lists every requirement up front and does not affect your credit score.