Real Estate Investing in Waldorf, Maryland (20695)
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Should you buy in 20695 (Waldorf, MD)? Our answer, based on the numbers below.
Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
No major risk flags on the data we track.
What’s happening in Waldorf, MD (20695)?
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Market Analysis: 20695 Waldorf
ZIP 20695 inside Charles County looks affordable on the surface — median value of $479K — but the discount exists for reasons that a careful buyer should understand before committing.
The 20695 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Nearby ZIPs in Waldorf have seen price recovery that 20695 has not matched. Charles County data supports the view that the spread is structural rather than temporary.
Demographically, 20695 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.
appears to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Waldorf:
Property Strategy for 20695
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $437,195 | $2,940 | 4.8% | +5.5% | $145,732 |
| 4BR | $538,993 | $3,460 | 4.6% | +5.9% | $134,748 |
| 5BR | $596,805 | — | — | +6.1% | $119,361 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 20695 Compare?
| Metric | 20695 | Waldorf | Maryland |
|---|---|---|---|
| Home Value | $479,483 | $448,671 | $424,997 |
| 5-Year CAGR | 2.0% | 2.3% | 4.9% |
| Avg Rent | $3,400 | $2,596 | - |
| Cap Rate | 5.5% | 4.5% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 20695 (Waldorf, MD). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $479,483 |
| Monthly Rent | $3,400 |
| Price-to-Rent | 11.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 8.5% |
| Cap Rate | 5.5% |
| 5-Year IRR | 7.6% |
📈 Home Appreciation
| 1-Year | -1.6% ▼ |
| 3-Year CAGR | +0.5% ▲ |
| 5-Year CAGR | +2.0% ▲ |
| 10-Year CAGR | +4.1% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.5%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 20695
Population: 12,725
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 20695
Schools in This ZIP Code
Nearby Schools (5 more)
Schools in adjacent ZIP codes that may serve this area
Daniel of St. Thomas Jenifer Elementary School
Dr. James Craik Elementary School
Berry Elementary School
C. Paul Barnhart Elementary School
William B. Wade Elementary School
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Investor Insight: With 1,330 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Are there empty rentals in Waldorf, MD?
Rental vacancy in Waldorf, MD is elevated. Investors should budget normal turnover but not chronic empty units.
What is the renter demographic in Waldorf, MD?
The tenant pool in Waldorf, MD is solid, supported by local employment and population fundamentals. Rents of $3,400/mo are well-absorbed by the market.
Is Waldorf in MD worth investing in?
With a 3.0/5 investability score, Waldorf, MD ranks as a solid market for rental property investors. Median prices of $479K and rents of $3,400/mo drive the underlying numbers.
What strategy should investors use in Waldorf, MD?
For Waldorf, MD, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
How strong are rents in Waldorf, MD?
Waldorf, MD rentals go for roughly $3,400/mo a month. That puts gross yield in solid territory relative to $479K acquisition costs.
You know 20695 now. You don’t know where it ranks.
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How 20695 ranks in Washington-Arlington-Alexandria, DC-VA-MD-WV
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