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Waldorf CDP, MD

ZIP 20695 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 20695

Median Home Value
$446,700
Median Rent
$1,775
Affordability Snapshot
$123,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,869/mo PITI).

18%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.8x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

21.0 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 20695 in Waldorf CDP, 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.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
85.1%+30% vs US avg
x
Vacancy Rate
0.3%-97% vs US avg
x
Broadband Access
93.7%+8% vs US avg
x
4+ Bedrooms
9.4%-36% vs US avg
x
Built Pre-1939
0.2%-98% vs US avg
x
Built Post-2014
5.8%-16% vs US avg
x
Rent Burden >30%
37.2%-25% vs US avg
x
Mortgage-Free
11.6%-70% vs US avg
x
$446,700
Home Value
$1,775
Rent
2005
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached65.3%
  • 1-unit attached21.8%
  • 2-9 units1.1%
  • 10+ units9.3%
  • Mobile home & other2.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$446,700
Median rent$1,775
Owner-occupied85.1%
Vacant0.3%
Price-to-income3.8x
Est. income to buy$123,000