ZIP Code 20601 — Waldorf CDP, MD Demographics & Data

ZIP code 20601 covers Waldorf, MD in Charles County with a population of about 27,340.

At a glance, the area shows median age of 37.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 227, 240, 301; U.S. House district MD-5; the WASHINGTON, DC (HAGRSTWN) media market.

Median household income in ZIP 20601 is about $120,278 — about 60% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.2%; unemployment rate near 5.6%; 32.1% of adults with a bachelor’s degree or higher (about 1.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Professional services, and Healthcare; about 13.1% of workers reporting work-from-home (about 2.1 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $380,700 — about 9% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,880 (about 62% above the U.S. median rent ($1,163)), and owner-occupancy near 78.9% (about 13.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 20601 in Waldorf, MD, a household would need roughly $105,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,446. That sits below the local median household income ($120,278), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Waldorf CDP, MD as Relatively Low (composite score 44.1), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (78.0) and flood (50.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Waldorf CDP, MD show little to no average snow and around 48.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,606 for ZIP 20601 (Waldorf CDP, MD) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.