ZIP Code 20603 — Waldorf, MD Home Prices (2026)
The typical home in ZIP 20603 (Waldorf, Maryland) is worth about $484,000 at roughly $212 per square foot — 10% more expensive than the Waldorf median and 65% more expensive than the typical U.S. home.
How 20603 compares
ZIP 20603 is one of the pricier ZIP codes in Waldorf: its typical home value of $484,000 ranks #1 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 $212, against $212 for Waldorf as a whole, $233 for Maryland, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 20603 | $484,000 | $212 |
| Waldorf, MD | $440,000 | $212 |
| Maryland | $451,500 | $233 |
| United States | $294,000 | $195 |
Home value by size in 20603
Using this ZIP’s rate of about $212 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 | $212,000 |
| 1,500 sq ft | $318,000 |
| 2,000 sq ft | $424,000 |
| 2,500 sq ft | $530,000 |
| 3,000 sq ft | $636,000 |
Salary needed to buy a home in ZIP 20603
To buy the typical $484,000 home in ZIP 20603 with 20% down, you need a household income of roughly $132,000 a year (about $3,070 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $156,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $24,200 | $3,820/mo | $164,000/yr |
| 10% (+PMI) | $48,400 | $3,650/mo | $156,000/yr |
| 20% | $96,800 | $3,070/mo | $132,000/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 20603
At about $212 per square foot, here is roughly how much home different budgets get you in ZIP 20603:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $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 | 1890 sq ft | around the typical home here |
| $500k | 2360 sq ft | around the typical home here |
| $600k | 2830 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 20603 home.
Estimate a specific home in 20603
The estimator below is pre-set to ZIP 20603 — 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 20603 sits among Waldorf’s 3 ZIP codes:
ZIP 20603 home prices: frequently asked
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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.