Market Overview
Home Prices in Waldorf, MN
The median home value in Waldorf, MN is $220,546 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.4% compared to a year ago and up 3.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Waldorf are priced46% below average.
Over the past five years, Waldorf home values have risen by approximately27.0%, reflecting strong long-term appreciation in this market.
Price History
Waldorf Home Price Trend
2020
$136,713
$137K
—
2021
$173,651
$174K
+27.0%
2022
$200,638
$201K
+15.5%
2023
$197,500
$198K
-1.6%
2024
$202,838
$203K
+2.7%
2025
$209,206
$209K
+3.1%
2026
$220,546
$221K
+5.4%
City Comparison
Waldorf vs. National Median
🏠 Waldorf
$220,546
National Median
$410,000
At $220,546, homes in Waldorf cost 46% below the national median of $410,000. This makes Waldorf a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Waldorf?
20% Down Payment
$44,109
on $220,546
Monthly P&I
$1,150/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,461/mo
incl. taxes & insurance
Income Needed
$58,440
gross annual (30% rule)
10% Down Option
$22,055
+ PMI applies
Loan Amount (20% dn)
$176,437
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, MN?
The median home value in Waldorf is $220,546 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.4% year-over-year.
How much have home prices changed in Waldorf?
Over the past year, home values in Waldorf have increased by 5.4%. Over five years, prices have risen approximately 27.0%.
How much do I need to earn to buy a home in Waldorf?
To comfortably afford the median home price of $220,546 with a 20% down payment ($44,109) at today's rates (6.8%), you'd need a gross annual income of approximately $58,440. 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 $220,546, homes in Waldorf are 46% below the national average.