ZIP Code 20695 — Waldorf CDP, MD Demographics & Data

ZIP code 20695 covers Waldorf, MD in Charles County with a population of about 12,725.

At a glance, the area shows median age of 39.2 (near the U.S. median).

It sits in telephone area codes 227, 240, 301; U.S. House district MD-5; the WASHINGTON, DC (HAGRSTWN) media market.

Median household income in ZIP 20695 is about $118,949 — about 58% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.9%; unemployment rate near 6.8%; 34.2% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Professional services, and Education; about 13.3% of workers reporting work-from-home (about 1.9 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $446,700 — about 28% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,775 (about 53% above the U.S. median rent ($1,163)), and owner-occupancy near 85.1% (about 19.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 20695 in Waldorf, MD, a household would need roughly $123,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,869. That is roughly in line with the local median household income ($118,949). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Waldorf CDP, MD as Relatively Low (composite score 44.1), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (78.0) and flood (50.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Waldorf CDP, MD show little to no average snow and around 46.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 748 for ZIP 20695 (Waldorf CDP, MD) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.