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Calvert
Maryland

93K

Population

$128K

Median Income

$484K

Median Home

R+28

Politics

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What stands out

If you had to describe Calvert County in numbers, start here: the median household income is among the highest in America ($128,078), the average commute is among the longest in America (36 minutes), and the uninsured rate is among the lowest in America (4.1%). Within Maryland it ranks 2nd of 24 counties for the median household income.

Where you are

You live in Calvert County, Maryland. 93,244 people live here with you. The population held steady at 0.2% last year, and more Americans moved out than in (net -28).

Maryland is the only state that levies both an estate tax and an inheritance tax, and its counties add their own income taxes of up to 3.2% on top of the state rate. Household income is the highest in the country, concentrated in the Washington suburbs of Montgomery and Howard counties. Social Security is not taxed and there is a pension exclusion for residents 65 and over.

Money

The typical household here brings in $128,078 a year, higher than almost every county in America. Employers pay an average wage of $61,154. Unemployment runs 2.9%, lower than 67% of American counties. 13% of workers work from home; for the rest the average commute is 36 minutes each way.

Maryland takes 4.8% of that median income in state income tax, about $6,109 a year.

Home

The median home costs $488K, pricier than 93% of American counties, about 2.9 years of the median household's income. A two-bedroom rents for around $1,356 a month. Property tax is 0.90% of home value, roughly $3,755 a year on that median home, higher than 53% of American counties. 86% of households own rather than rent.

Safety and health

Violent crime here is 3.1 per 1,000 residents, lower than 90% of American counties. Drug overdoses killed 16 people per 100,000 in 2024.

A child born here can expect to live 78.6 years, longer than 81% of American counties. There are 149 active physicians in the county, about 16.0 per 10,000 people. Medicare rates the local hospitals 5.0 of 5 stars. 4.1% of people under 65 have no health insurance.

School

94% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted Republican by 28 points. 70% of eligible voters turned out. Under Maryland law you need local approval to carry a concealed handgun, abortion is protected by state law, and marijuana is legal for adults.

Weather and risk

The year averages 57°F, highs near 67 and lows near 48, warmer than 58% of American counties. About 40 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 67 out of 100, riskier than 67% of American counties; the county has had 24 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 289 Mbps down, faster than 92% of American counties. There are 4 airports in the county, counting general aviation. For a night or a weekend out: 0.6 full-service restaurants per 1,000 people, 4 breweries.

Written from the figures below. Percentiles compare this county with every other county that reports the same figure; missing figures are left out rather than guessed.

Economy

Median Household Income$128K
This county
national avg ~$75K
Poverty Rate5.3%
This county
national avg ~11.5%
Unemployment Rate2.9%
This county
national avg ~3.8%
GDP per Capita$64,095
Federal Spending per Capita$606
Median Individual Earnings$68K
This county
national avg $45K
Professional/Management Workers48.5%
Average Adjusted Gross Income$101K
Avg Credit Score690
Work From Home %13.0%
This county
national avg 17.0%
Population Under 1823.1%
This county
national avg 22.0%
Single-Person Households20.7%
This county
national avg 28.0%
Banks & Finance Firms31
Income (20th Percentile)$63K
Income (80th Percentile)$216K
Income (95th Percentile)$250K
Bachelor's Degree or Higher35.6%
This county
national avg 34.3%
Less Than High School5.5%
This county
national avg 11.0%
Knowledge Economy GDP %7.0%
Dependency Ratio0.63
Medicare Spending / Person$2,514
SS Benefits / Person$3,648
Education Wage Premium1.78x
Median Earnings (Bachelor's)$92K
Median Earnings (Graduate)$103K
Median Earnings (HS Diploma)$58K
Public Assistance Recipients1.2%
Average Annual Wage$61K
Professional Services Concentration0.60x national
This county
1.0 = national average share
Federal Government Jobs Located Here324
Federal Share of Jobs Located Here1.4%
Residents Who Work for the Federal Government14.9%
Federal Civilian Share of Earnings3.6%
Federal Contract Dollars Performed Here (FY2025)$68M
Contract Dollars Relative to Local Wages0.05x wages
Largest Award's Share of Contract Dollars39%
Oil and Gas Share of Earnings (incl. proprietors)0.0%

Housing

Sources: Zillow ZHVI · Census ACS 2022 · Tax Foundation 2023 (effective rates)

Median Home Value$484K
This county
$420K state avg
$303K national
Median Sale Price$433K
This county
$303K national
Market Rent (ZORI)$2375/mo
This county
$1950/mo state avg
$1400/mo national
Property Tax Rate0.90%
This county
0.97% state avg
1.10% national

Annual tax on median home: $3,755

Affordability & Supply

HUD Fair Market Rent (2BR)$2,083/mo
Home Price Change (1 yr)+4.0%−+1.8% since 2024
Home Value to Income Ratio2.9x income
Severely Cost-Burdened Households8.2%
Homeownership Rate86.1%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Sale-to-List Ratio— Buyers market — homes selling below list
98.7%
Listings with Price Cuts— Low — market moving fast
19.5%
Sold Above List Price
34.3%
Median Days to Close
31 days
Active Listings
280
New Listings / Month
134

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Average pace
36 days
Months of Supply (Redfin)— Low inventory — sellers market
2.6 mo
Sold Above List (Redfin)
34.1%

Sale-to-List Cross-Reference

Zillow 98.7%  ·  Redfin 99.9%

Source: Redfin · Updated monthly

Health

Life Expectancy78.6 yrs
This county
national avg ~78.5 years
Hospital Rating5.0 / 5
This county
national avg 3.0 stars
Food Insecurity7.2%
This county
national avg ~11%
Food Environment Index8.8 / 10
This county
higher = better access
Primary Care Shortage Score13
This county
national avg 5
Mental Health Shortage Score14
Dental Care Shortage Score0
Healthcare Shortage Score9.0
Healthcare Offices145
Obesity Rate (BRFSS)35.9%
This county
national avg 32.0%
Smoking Rate (BRFSS)11.0%
This county
national avg 14.0%
Poor Health Rate (BRFSS)14.9%
This county
national avg 18.0%
Physical Inactivity (BRFSS)18.8%
This county
national avg 24.0%
High Blood Pressure (BRFSS)32.6%
This county
national avg 32.0%
Active Physicians149
Nursing Home Rating2.7 / 5
This county
national avg ~3 stars
ER Visits per 1,000 Medicare Patients567 / 1,000
Medicare Cost per Beneficiary$11,550
Uninsured (under 65)4.1%
This county
national avg ~10%
Adults with Depression20.5%

Education

HS Diploma Holders16,285
Bachelor's Degree Holders12,420
HS Completion Rate94.5%
This county
national avg ~85%
Private Schools21

Safety

Violent Crime Rate3.1 / 1,000
This county
national avg ~4.0
Firearm Fatality Rate6.7 / 100K
This county
national avg ~13.6/100K
Drug Overdose Rate36.5 / 100K
This county
national avg ~21/100K
Traffic Fatalities10
Social Vulnerability (CDC SVI)1th pct
Drug Overdose Deaths (2024)15.8 / 100K
Suicide Rate10.7 / 100K
This county
national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale0.7
January Sunshine0.20
January Temperature0.25
Average Temp57°F-0.5% since 2022
Avg High Temp67°F-0.9% since 2022
Avg Low Temp48°Fno change since 2022
Median AQIAQI 42
Good Air Days206 days/yr
Unhealthy Air Days1 days/yr
Annual Precipitation39.5 in/yr-17% since 2022
Avg Storm Events16.0 storms/yr
Avg Annual Storm Damage$154K
Ozone Days238 days/yr
This county
national avg 50 days/yr
Drought Index (2022)0.26
Heating Degree Days4,117 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days1,340 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)4,507 HDD/yr
Cooling Degree Days (1901–2000 Baseline)1,109 CDD/yr
Avg Tornadoes / Year0.4
Avg Flood Events / Year2.0
Avg Hail Events / Year1.6
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)67 / 100
Community Resilience (FEMA)94 / 100
Federal Disaster Declarations24 since 1953
Fine Particulate Pollution (PM2.5)6.2 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)20 properties
FAA-Registered Airports6 total
Airports (excl. heliports)4 airports

Brewery Scene

Total Breweries4 breweries
Microbreweries1 microbreweries
Brewpubs1 brewpubs

Internet & Remote Work

Download Speed289 Mbps
This county
national avg ~120 Mbps
Upload Speed38 Mbps
Fixed Internet (Q1 2026)398 Mbps
Mobile Internet (Q1 2026)212 Mbps
Mobile Upload (Q1 2026)27 Mbps
Mobile Latency (Q1 2026)29 ms
Households with 100Mbps+97.9%
This county
national avg 75.0%
Cellular-Only Internet7.3%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)93 Mbps

EV Infrastructure

EV Charging Stations18 stations
DC Fast Chargers4 chargers
Level 2 EV Chargers40

Commute & Transit

Remote Workers6,226 workers
Public Transit Commuters936 workers
Walk to Work (workers)427 workers
Extreme Commutes (90+ min)3,860 workers
Avg Commute Time35.6 min
This county
national avg ~27 min
Bike Commuters0.1%
Walk to Work0.9%

Families & Childcare

Childcare Cost Burden19.0%
This county
national median ~27% of household income
Childcare Centers8.4 per 10K residents
Childcare Facilities28

Civic & Community

Voter Turnout70.2%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)3.457
Nonprofit Organizations462
Veterans Share11.3%
This county
national avg 7.0%
Married Adults56.5%
Never-Married Adults29.3%
Divorced Adults8.9%
Religious Organizations45
Asian Population2.0%
Native American Population0.2%
Membership Associations6.0 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.59 per 1K residents
Nursing & Care Facilities8
Grocery Stores24
Arts & Entertainment Venues8
Hotels & Lodging7
Recreation Businesses22
Professional Services Firms205
Veterinary Practices22
Real Estate Firms82
Debt Burden
Avg Mortgage Balance$117K
Avg Student Loan Balance$8K
Avg Credit Card Balance$6K
Loan Delinquency Rate40.9%
This county
national avg 4.0%

Innovation

Inventor Rate0.27%

Politics

R+28

2024 Presidential · Maryland was D+24 statewide

vs Maryland State

Income tax
5.75%Same (state law)
Property tax
0.90%0.97% state avg
Politics
R+28D+24
COL Index
116state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↓ -28

More people leaving than arriving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.86x avg income)

Economic Mobility

43%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Calvert County

Median home value: $488K

View on Zillow →View on Realtor.com →

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Explore Other Maryland Counties

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Full Maryland profile

Taxes, cost of living, crime, schools, gun laws and more.

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Data: Census ACS, BLS, Zillow, USDA Natural Amenities, OpenElections 2024, CMS, NCES. Vintage 2022–2025. News via Google News.

Your Priorities

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Quick Profiles

Dial in your priorities

Annual Income

$150K

Affects effective income tax rate

$0$500K$5M+

Retirement Savings

$0

Affects pension and SS tax burden

None$500K$10M+

Social Security

None

Annual Social Security benefit

None$150K/yr

My Property Is Worth

$400K

Affects property tax burden

Tax burden ↓$1M$50M+

Home Buying Budget

$400K

Compared to state median home price

Hard to find$250K$5M+

Monthly Rent Budget

Don't care

Compared to state median 2BR rent

Don't care$10K/mo

Job Market

Don't care

State unemployment and job growth

Don't careHot market

Airport Access

Don't care

Direct flight destinations from state hubs

Don't careMust have hub

City vs Country

Mid-size city

% urban population

Deep countryBig city

Sunshine

Don't care

Annual sunny days per state

Don't careMax sunshine

Food Scene

Don't care

Restaurants per 100K residents

Don't careWorld-class

Political Preference

Neutral

State's political lean

LiberalConservative

Gun Laws

Neutral

State gun law grade (Giffords)

Gun Control2A Freedom

Abortion Access

Neutral

State abortion access policy

Pro-ChoiceNeutralPro-Life

Community

None

Congregations per 100K residents

AvoidDon't careSeek

Sports & Entertainment

Don't care

Pro sports teams and major venues

Don't careMust have pro teams

Cannabis Laws

Neutral

State cannabis legality

Prefer LegalNeutralPrefer Prohibition

Retiree Community

Neutral

% population 65+ (Census)

Young areaRetirement-heavy

Dating Market

Neutral

% adults never-married (Census)

Singles sceneFamily community

Safety / Low Crime

Don't care

Violent crime rate per 100K (FBI)

Don't careVery safe

School Quality

Don't care

K-12 rank (Education Week)

Don't careTop-ranked

Healthcare Access

Don't care

Healthcare system rank (Commonwealth Fund)

Don't careTop-ranked

Childcare Affordability

Don't care

Cost of living proxy for childcare affordability

Don't careMust be affordable