Waldorf, Maryland.
Typical home $427,299 (-1.9% in a year), asking rent $2,345 (+5.0%). Washington-Arlington-Alexandria, DC-VA-MD-WV metro.
to buy the typical home at today's mortgage rate — +$1,062 (+90%) since Jan 2020.
- 1 year
- Down $8,297 -2%
- $435,596$427,299 since Sep 2025
- 5 years
- Up $34,488 +9%
- $392,811$427,299 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.
- Waldorf$2,243
- Maryland$2,230
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 41 years.
Typical home values in Waldorf, MD fell 1.9% over the past year — slower than the nation's +1.2%.
Asking rents in Waldorf, MD rose 5.0% over the past year — faster than the nation's +2.7%.
Owning the typical home in Waldorf runs $716/mo more than renting one. The gap peaked at $1,048 in Oct 2023.
That is $3,061 a month against $2,345 rent: a $2,243 mortgage payment, plus $361 property tax and $457 insurance & upkeep.
Owning vs renting — Waldorf
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.
- Owning all in$3,061
- Renting$2,345
- Mortgage only$2,243
Property tax · $361/mo 1.01% of value a year — the ACS 2020-2024 median bill over the median home value for Charles County, MD
Insurance & upkeep · $457/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.
Living in Waldorf, Charles County, Maryland
Waldorf, in Charles County, had 81,410 people in the 2020 census. Half its households earn more than $116,089 a year and half less, against $122,816 across Charles County; 8% of its people live below the poverty line. 75% of its homes are lived in by their owners and 25% are rented. Unemployment in Charles County was 4.6% in August 2026, and the county had 1.1% more jobs in 2025 than the year before. The most residents work in schools and health care, then government.
Written by AI Claude Sonnet 5.5 wrote this on 24 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Waldorf is a large suburban community in Charles County, Maryland, with a fairly young population for a town of its size. Household incomes run a little below the county's, and most homes are lived in by their owners. Winters are cold and the summers are warm, with some snow most years and plenty of rain across the seasons.
Work. Many residents work in schools, hospitals and social care, in government, in professional and business services, and in shops. Within Waldorf, some of the biggest workplaces are car dealers such as Waldorf Chevy Cadillac and Waldorf Toyota, along with UPS. Commutes tend to be long, and a good number of people work from home.
Things to do. The Smithsonian Institution, a museum, is a longer drive away. The National Mall is a large park, also a longer drive away, and the National Air and Space Museum is another museum in that direction. The Anacostia River is also a longer drive away.
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- 30,404households
- 35%of adults have a degree
- 8%below the poverty line
- 41 mintypical commute
- 16%work from home
What residents work in
Employed residents by industry, from the Census survey. Charles County had 43,545 jobs in 2025, 1.1% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 44° and lows near 25°; warmest in July, with highs near 85° and lows near 66°. About 15 inches of snow and 48 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Mechanicsville Northeast weather station, 13 miles away (NOAA).
Largest workplaces in Waldorf
- Waldorf Chevy CadillacNew car dealers369
- Waldorf ToyotaNew car dealers360
- UPSCouriers and express delivery services294
- Waldorf HondaNew car dealers260
- WalmartDiscount department stores226
- TargetDiscount department stores184
- Waldorf DodgeNew car dealers180
- Sam's ClubWarehouse clubs and supercenters176
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 40 workplaces with 20 or more staff, 4,152 people in all. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windRelatively high
- LightningRelatively high
- Winter weatherrelatively high in parts of WaldorfRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Waldorf’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Charles County and the Washington-Arlington-Alexandria, DC-VA-MD-WV metro.
Waldorf home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Waldorf$427,299
- Maryland$424,890
- United States$366,157
Sellers are cutting prices on about 1 in 3 Waldorf listings, and the typical home goes pending in 25 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Waldorf32.12%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Waldorf25
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Waldorf313
New listings per month
Sellers arriving at the market.
- Waldorf97
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Waldorf$403,695
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Waldorf100.43%
Zip codes with a Waldorf address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Waldorf — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Waldorf
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 20603 | Waldorf | 31,844 | $2,341 | $473,350 |
| 20602 | Waldorf | 28,331 | $2,405 | $381,953 |
| 20601 | Waldorf | 26,945 | $2,356 | $430,942 |