Market Overview
Home Prices in Waldorf, MD
The median home value in Waldorf, MD is $439,312 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.5% compared to a year ago and up 1.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Waldorf are priced7% above average. Waldorf is part of the Washington-Arlington-Alexandria, DC-VA-MD-WV metro area.
Over the past five years, Waldorf home values have risen by approximately11.5%, reflecting steady appreciation in this market.
Price History
Waldorf Home Price Trend
City Comparison
Waldorf vs. National Median
At $439,312, homes in Waldorf cost 7% above the national median of $410,000. Buyers in Waldorf should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Waldorf?
20% Down Payment
$87,862
on $439,312
Monthly P&I
$2,291/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,910/mo
incl. taxes & insurance
Income Needed
$116,400
gross annual (30% rule)
10% Down Option
$43,931
+ PMI applies
Loan Amount (20% dn)
$351,450
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Waldorf, MD?
The median home value in Waldorf is $439,312 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.5% year-over-year.
How much have home prices changed in Waldorf?
Over the past year, home values in Waldorf have decreased by 1.5%. Over five years, prices have risen approximately 11.5%.
How much do I need to earn to buy a home in Waldorf?
To comfortably afford the median home price of $439,312 with a 20% down payment ($87,862) at today's rates (6.8%), you'd need a gross annual income of approximately $116,400. This assumes keeping total housing costs at or below 30% of gross income.
How does Waldorf compare to the national average home price?
The national median home value is approximately $410,000. At $439,312, homes in Waldorf are 7% above the national average.
What metro area is Waldorf part of?
Waldorf is part of the Washington-Arlington-Alexandria, DC-VA-MD-WV metropolitan area. Home prices and market conditions can vary across the broader metro region.