Zip lookup · MD

20601
Waldorf, Maryland.

Waldorf, Charles County, MD · Washington-Arlington-Alexandria, DC-VA-MD-WV metro · population 26,945

What it costs per month · 20601 $2,262/mo

to buy the typical home at today's mortgage rate — +$1,076 (+91%) since Jan 2020.

What the home itself did
1 year
Down $6,885 -2%
$437,828$430,942 since Sep 2025
5 years
Up $38,155 +10%
$392,788$430,942 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 $2,500 2002 2006 2010 2014 2018 2022 2026 20601 $2,262 United States $1,922
$500 $1,000 $1,500 $2,000 $2,500 2002 2010 2018 2026
  • 20601$2,262
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 37 years.

Typical home values in zip 20601 fell 1.6% over the past year — slower than the nation's +1.2%.

Asking rents in zip 20601 rose 4.4% over the past year — faster than the nation's +2.7%.

Owning the typical home in zip 20601 runs $737/mo more than renting one. The gap peaked at $881 in Oct 2022.

That is $3,093 a month against $2,356 rent: a $2,262 mortgage payment, plus $370 property tax and $461 insurance & upkeep.

Owning vs renting — zip 20601

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$1,500 $2,000 $2,500 $3,000 2022 2023 2024 2025 2026 Owning all in $3,093 Renting $2,356 Mortgage only $2,262
$1,500 $2,000 $2,500 $3,000 2022 2024 2026
  • Owning all in$3,093
  • Renting$2,356
  • Mortgage only$2,262

Property tax · $370/mo 1.03% of value a year — the ACS 2020-2024 median bill over the median home value for 2 counties

Insurance & upkeep · $461/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

This zip spans 2 counties: Charles County, MD 84% · Prince Georges County, MD 16%

Zillow also publishes an index for the city itself: Waldorf, MD — measured over the city limits, which is a different area from this zip.

Asking rent $2,356 as of Sep 2026
+4.4%year on year
Typical home value $430,942 as of Sep 2026
-1.6%year on year

Asking rent — 20601

Against the Washington-Arlington-Alexandria, DC-VA-MD-WV metro and the national benchmark.

$1,750 $2,000 $2,250 $2,500 2022 2023 2024 2025 2026 20601 $2,356 Washington $2,407 United States $1,932
$1,750 $2,000 $2,250 $2,500 2022 2024 2026
  • 20601$2,356
  • Washington$2,407
  • United States$1,932

Typical home value — 20601

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $300,000 $400,000 $500,000 2018 2020 2022 2024 2026 20601 $430,942 Washington $569,857 United States $366,157
$200,000 $300,000 $400,000 $500,000 2018 2022 2026
  • 20601$430,942
  • Washington$569,857
  • United States$366,157

Within 20 miles

Showing 30 of 62 zips in range — sorting picks from all 62.

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
3.2 20602 Waldorf 28,331 $2,405 $381,953
4.6 20613 Brandywine 17,590 $3,064 $501,627
5.2 20617 Bryantown 334 — $552,404
6.4 20603 Waldorf 31,844 $2,341 $473,350
6.6 20695 White Plains 16,407 $3,414 $471,551
7.7 20637 Hughesville 6,133 — $579,170
8.4 20608 Aquasco 693 — $401,267
8.6 20623 Cheltenham 2,761 — $498,008
8.9 20675 Pomfret 1,796 — $466,195
9.5 20735 Clinton 37,464 $3,172 $434,385
9.8 20607 Accokeek 13,750 $3,405 $547,510
10.2 20646 La Plata 21,400 $2,613 $472,864
11.5 20622 Charlotte Hall 5,185 — $500,871
11.6 20744 Fort Washington 54,441 $1,754 $441,144
12.0 20772 Upper Marlboro 54,319 $2,668 $469,861
12.4 20612 Benedict 148 — $368,074
12.7 20616 Bryans Road 8,057 — $417,788
12.8 20611 Bel Alton 1,219 — $465,042
12.8 20677 Port Tobacco 2,088 — $568,919
13.3 22308 Alexandria 14,090 $4,274 $970,938
13.3 20736 Owings 9,960 — $613,481
13.4 20639 Huntingtown 15,544 — $616,882
13.6 20754 Dunkirk 7,545 — $628,150
14.4 20632 Faulkner 485 — $477,103
14.4 20748 Temple Hills 40,338 $1,646 $358,189
14.9 20745 Oxon Hill 28,605 $1,866 $356,884
15.1 22307 Alexandria 10,343 $2,087 $735,408
15.1 20689 Sunderland 1,809 — $579,045
15.2 22309 Alexandria 34,316 $2,402 $579,777
15.4 20659 Mechanicsville 24,324 — $439,108

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.