ZIP Code 20601 — Waldorf, MD Home Prices (2026)

The typical home in ZIP 20601 (Waldorf, Maryland) is worth about $440,000 at roughly $211 per square foot — about the same as the Waldorf median and 50% more expensive than the typical U.S. home.

$440,000

Typical home value

$211

Price per sq ft

#2 of 3

Waldorf ZIPs by value

+0%

vs Waldorf median

How 20601 compares

ZIP 20601 is a mid-priced ZIP code for Waldorf: its typical home value of $440,000 ranks #2 of the 3 Waldorf ZIP codes we track (the citywide range runs from $392,000 in 20602 to $484,000 in 20603). Per square foot it costs about $211, against $212 for Waldorf as a whole, $233 for Maryland, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 20601	$440,000	$211
Waldorf, MD	$440,000	$212
Maryland	$451,500	$233
United States	$294,000	$195

Home value by size in 20601

Using this ZIP’s rate of about $211 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$211,000
1,500 sq ft	$316,500
2,000 sq ft	$422,000
2,500 sq ft	$527,500
3,000 sq ft	$633,000

Salary needed to buy a home in ZIP 20601

To buy the typical $440,000 home in ZIP 20601 with 20% down, you need a household income of roughly $120,000 a year (about $2,790 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $142,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$22,000	$3,470/mo	$149,000/yr
10% (+PMI)	$44,000	$3,320/mo	$142,000/yr
20%	$88,000	$2,790/mo	$120,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 20601

At about $211 per square foot, here is roughly how much home different budgets get you in ZIP 20601:

Budget	Approx. size	What that looks like locally
$200k	950 sq ft	below the local median — condos, smaller or older homes
$250k	1180 sq ft	below the local median — condos, smaller or older homes
$300k	1420 sq ft	below the local median — condos, smaller or older homes
$400k	1900 sq ft	around the typical home here
$500k	2370 sq ft	around the typical home here

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 20601 home.

Estimate a specific home in 20601

The estimator below is pre-set to ZIP 20601 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All Waldorf ZIP codes by home value

Where 20601 sits among Waldorf’s 3 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	20603	$484,000	$212
2	20601 (this page)	$440,000	$211
3	20602	$392,000	$217

ZIP 20601 home prices: frequently asked

What is the average home price in ZIP code 20601? +

The typical home in ZIP 20601 (Waldorf, MD) is worth about $440,000 as of 2026. That is about the same as the Waldorf median of $440,000 and 50% more expensive than the U.S. median of $294,000.

What is the price per square foot in 20601? +

About $211 per square foot in 20601, versus $212 across Waldorf and $233 across Maryland. At that rate a 1,500 sq ft home runs roughly $316,500 and a 2,500 sq ft home about $527,500.

What salary do you need to buy a house in ZIP 20601? +

For the typical $440,000 home in ZIP 20601, a household income of about $120,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $142,000; with 5% down about $149,000.

Is 20601 an expensive ZIP code? +

Within Waldorf, 20601 ranks #2 of 3 ZIP codes by typical home value, which makes it a mid-priced ZIP code for Waldorf. Nationally it is relatively expensive.

See the full Waldorf home values page, all Maryland cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.