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City · 82,943 residents · Charles County, Maryland

Waldorf , Maryland

In Waldorf, a typical home is worth $407,600 and typical rent is $1,995 a month. Compared with all of Charles County, typical household income is 5% lower and the share of households that own their home is 7 points lower.

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  • Typical home value

    $407,600

    5% below the county

    3% below Maryland

    • Waldorf
    • Charles
    • Maryland

  • Typical rent

    $1,995a month

    4% above the county

    17% above Maryland

    • Waldorf
    • Charles
    • Maryland

  • Typical household income

    $116,089a year

    5% below the county

    12% above Maryland

    • Waldorf
    • Charles
    • Maryland

  • Households that own their home

    75%

    7 points below the county

    7 points above Maryland

    • Waldorf
    • Charles
    • Maryland

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$427,299
1.9% less than 12 months ago
Typical rent
$2,345 a month
5% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Waldorf is in Charles County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Charles County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Waldorf apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in La Plata, the typical rent is $1,559: 22% less than in Waldorf ($1,995).

  2. 75% of households in Waldorf own their home, against 82% in Charles County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Waldorf

What homes there are in Waldorf, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Waldorf, but it weighs less than in Charles County: 56% against 70%.

Year built

In Waldorf, half of the homes were built before 1992; in Charles County, before 1991.

By size, homes in Waldorf look like those in Charles County: 80% have 3 bedrooms or more.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

With an FHA limit of $1,249,125, at least 99% of owner-occupied homes in Waldorf sit below it: they are worth less than $1,000,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Charles County is $2,438; about 81% of rents in Waldorf are below it.

With a mortgage

$2,477 a month

Charles County: $2,542 a month

Without a mortgage

$750 a month

Charles County: $770 a month

Owners with a mortgage

86%

Charles County: 81%

The typical cost for an owner with a mortgage in Waldorf is $2,477 a month, near the figure in Charles County ($2,542).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Waldorf rose 46% since 2015–2019, more than in Charles County (37%).

Much as in Charles County, the typical rent in Waldorf rose 16% since 2015–2019.

To compare: typical income in Waldorf rose 21%; the home, +46%; the rent, +16%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureWaldorfCharles CountyMarylandUnited States
Rental vacancy Unreliable estimate5.2%4.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room 3.1%2.1%2.5%3.4%
People per household 2.722.782.572.53
Drive alone 68%70%65%69%
Carpool 10%9%8%9%
Public transit 3%3%4%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 17%16%19%15%
Other means 2%2%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 3.1% of households in Waldorf live, near the figure in Charles County (2.1%).

By size, households in Waldorf look like those in Charles County: 2.72 people on average.

To get to work, 68% of workers in Waldorf drive alone; in Charles County, 70%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Waldorf?

A typical home is tight for the typical income

We start with a typical home in Waldorf, worth $407,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Waldorf, which is $116,089 a year. For that payment to be 28% of income, a household would need to earn about $145,320 a year.

The calculator's FHA and conventional loan limits are those of all of Charles County.

Your numbers

Local data
$

Starts at the typical home value in Waldorf. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $14,266 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,391

at 7.18% · 30 years

Loan amount
$400,217
Total interest
$575,819
Paid off in
November 2056

Includes $6,883 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,709 a month

  • Tight

    $2,709 to $3,483 a month

    Your payment · 35%

  • Hard

    more than $3,483 a month

Compared with the typical household income in Waldorf ($116,089 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,391
Principal & interest$2,711
Property tax$330
Home insurance$170
FHA mortgage insurance (MIP)$180

You need at least $14,266 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Waldorf and Charles County

Waldorf is in Charles County, Maryland. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Waldorf's own numbers

Typical home value
$407,600
Typical monthly rent
$1,995
Typical yearly household income
$116,089
Households that own their home
75%
Effective property tax rate
0.97%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Charles County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,438
Price change over 5 years (FHFA)
+39%
Homes in a high flood-risk zone
0.6%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Charles County.

Everything about Charles County

Buying

Buying a home in Waldorf

A typical home in Waldorf is worth $407,600: 5% below the county and 3% below Maryland. With the typical household income in Waldorf ($116,089 a year), a typical home costs 3.5 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Waldorf 3.5 years
  • Charles 3.5 years
  • Maryland 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Charles County

According to FHFA’s house price index, home prices in Charles County rose 65% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Charles County.

Period County Maryland U.S.
Last year (2025) +1.6% +2.7% +2.9%
5 years (2020–2025) +39% +40% +47%
10 years (2015–2025) +65% +60% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Waldorf next to Charles County, Maryland and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Waldorf $407,600
  • Charles $428,500
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Waldorf $1,995
  • Charles $1,920
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Waldorf $116,089
  • Charles $122,816
  • Maryland $103,678
  • United States $80,734
See the full table
Waldorf next to Charles County and Maryland
Measure Waldorf Charles County Maryland U.S.
Typical home value $407,600 $428,500 $419,900 $332,700
Typical monthly rent $1,995 $1,920 $1,705 $1,413
Typical yearly household income $116,089 $122,816 $103,678 $80,734
Households that own their home 75% 82% 68% 65%
Typical yearly property tax $3,935 $4,339 $4,093 $3,119
Effective property tax rate 0.97% 1.01% 0.97% 0.94%
Renters with high rent for their income 46% 46% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Charles County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Waldorf

For a typical $407,600 home in Waldorf, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Waldorf's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,391a month

    Least cash to close
    Down payment
    $14,266
    Cash to close
    $26,494
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $180

  • Conventional, 5% down $3,316a month

    Down payment
    $20,380
    Cash to close
    $32,608
    Rate
    7.18%
    Mortgage insurance
    PMI · $194

  • Conventional, 20% down, no PMI $2,708a month

    Down payment
    $81,520
    Cash to close
    $93,748
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,085a month

    Down payment
    $61,140
    Cash to close
    $73,368
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Waldorf and for Charles County.

Property tax

Effective rate in Waldorf

0.97%of the home’s value each year

$3,935 a year for the typical owner in Waldorf.

  • Waldorf 0.97%
  • Charles 1.01%
  • Maryland 0.97%

What Maryland publishes Homestead tax credit (cap on yearly assessment increases) (Maryland General Assembly (Annotated Code of Maryland, Tax-Property Article))

Exemptions and deadlines in Maryland

Flood risk in Charles County

FEMA does not publish these numbers by city: they are for all of Charles County.

Homes in the high-risk zone
0.6%
348
Of those, with NFIP insurance
45%
County Maryland U.S.
Homes in the high-risk zone 0.6% 1.2% 3.5%
Of those, with NFIP insurance 45% 74% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Waldorf

Typical rent in Waldorf is $1,995 a month: 4% above the county. In Waldorf, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Charles County, by unit size. To pay the 2-bedroom one ($2,438 a month) without spending more than 30% of your income, you would need to earn $46.88 an hour working full time.

HUD fair market rent for all of Charles County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,111 $40.60 $84,440
1 bedroom $2,204 $42.38 $88,160
2 bedrooms $2,438 $46.88 $97,520
3 bedrooms $3,107 $59.75 $124,280
4 bedrooms $3,658 $70.35 $146,320

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Waldorf

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Waldorf has 4 ZIP codes with their own.

For 2 bedrooms it runs from $2,260 in 20602 to $2,590 in 20601.

3 of the 4 are above the fair market rent for Charles County ($2,438).

  • 20601 $2,590$3,300
  • 20602 $2,260$2,880
  • 20603 $2,510$3,200
  • 20695 $2,480$3,160

4 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Waldorf when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Waldorf

HUD lists 12 buildings with rents for lower incomes in Waldorf. These are the largest.

  • Huntington East Apts. 3000 Gallery Pl, Waldorf 20602 204 low-income homes · 1 bd: 24 · 2 bd: 156 · 3 bd: 24 · In service since 2018 · For people with disabilities, families (240) 448-5838
  • Headen House Apts. 3034 October Pl, Waldorf 20602 136 low-income homes · 1 bd: 68 · 2 bd: 68 · In service since 2018 · For people with disabilities, families (240) 448-5838
  • Adams Crossing II 12330 Vivian Adams Dr, Waldorf 20601 120 low-income homes · 2 bd: 84 · 3 bd: 36 · In service since 2017 · For people with disabilities, families
  • Lakeview at Victoria Park 11080 Weymouth Ct, Waldorf 20603 108 low-income homes · In service since 1998
  • Walldorf Astor 3605 Moses Way, Waldorf 20602 96 low-income homes · 1 bd: 59 · 2 bd: 37 · In service since 2006 · For families

See all 19 buildings in Charles County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Waldorf

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Charles County; 1 says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Waldorf

No down payment, repair or rent-help program on our list is for Waldorf or Charles County. The ones below are statewide in Maryland: they work in Waldorf the same as in the rest of the state.

Which programs do I qualify for? All programs in Maryland

  • MMP 1st Time Advantage

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers, with a deferred 0% second mortgage for the down payment: $6,000, or 3%, 4% or 5% of the loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • MMP Flex Loans

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers and for people who have owned a home before; Flex 6000 brings $6,000 and Flex 3% brings 3% of the loan for the down payment, as a deferred 0% second loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • Maryland SmartBuy

    Statewide in Maryland

    Maryland Mortgage Program loan of up to 15% of the price (maximum $25,000) to pay off your student debt when you buy a home; no interest or monthly payments, and forgiven after five years if you stay in the home. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Forgivable

    See the program Official page

Housing counselors near Waldorf

The HUD-approved agencies closest to the center of Waldorf, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Southern Maryland Tri-County Community Action

    8371 Old Leonardtown Rd, Hughesville · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (301) 274-4474

  • Housing Options & Planning Enterprises, Inc.

    6188 Oxon Hill Rd Ste 700, Oxon Hill · 14 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (301) 567-3330

  • United Communities Against Poverty

    1400 Doewood Ln, Capitol Heights · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (301) 322-5700

Every agency in Charles County All counseling agencies in Maryland

Help in Spanish near Waldorf

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Waldorf

HUD’s record names them for Waldorf or Charles County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • County Commissioners Charles County Section 8 vouchers (301) 934-0112

All housing agencies in Maryland Source: HUD

Cities

Other cities in Charles County

These cities are also in Charles County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Charles County Housing in Maryland

Nearby cities

The cities closest to Waldorf, with the typical home value.

Neighboring counties

If Charles County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Waldorf.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Waldorf

Short answers with the numbers for Waldorf and all of Charles County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Waldorf?

The typical home value in Waldorf is $407,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Charles County it is $428,500.

How much does it cost to rent in Waldorf?

Typical rent in Waldorf is $1,995 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Charles County is $2,438.

What is the FHA loan limit in Waldorf?

Waldorf uses the FHA limit for all of Charles County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Waldorf?

The typical homeowner in Waldorf pays $3,935 a year, according to the U.S. Census Bureau. That is 0.97% of the home’s value; in Charles County, the rate is 1.01%.

Where can I find free help to buy or rent in Waldorf?

There is 1 HUD-approved counseling agency with an office in Charles County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).