3-digit ZIP regional index
Home appreciation in ZIP codes 206xxWaldorf, MD area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 206 changed +1.0% over the year to Q2 2026, compared with +2.2% for Maryland and +3.0% for the United States.
The region covers ZIP codes 20601–20695. Most of its 2010 population lived in Charles County (44%), St. Mary's County (31%), Calvert County (18%). Communities in the region include Bensville, California, Lexington Park, Chesapeake Ranch Estates, Accokeek. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +1.0%
- 5-year change
- +30.9%
- Since Q1 1995
- +207%
- National rank (1 year)
- 758th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 206 vs Maryland and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 206: 306.9
- Maryland: 348.0
- Washington, DC-MD metro: 388.9
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 206 | MD | U.S. | Gap vs MD | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +1.0% | +2.2% | +3.0% | −1.2 pts | −2.0 pts |
| 3 years | +13.9% | +11.2% | +12.9% | +2.6 pts | +1.0 pts |
| 5 years | +30.9% | +32.0% | +41.3% | −1.2 pts | −10.4 pts |
| 10 years | +63.5% | +63.8% | +93.3% | −0.3 pts | −29.8 pts |
| Since Q1 1995 | +207% | +248% | +292% | −41.1 pts | −84.7 pts |
If you bought in ZIP3 206 in…
Applying the regional index change from the same quarter of each year to Q2 2026 to an example $300,000 purchase price. Individual homes can differ widely from the regional average.
| Bought in | Index change | $300,000 then, at the regional rate |
|---|---|---|
| Q2 1995 | +201% | $901,940 |
| Q2 2000 | +169% | $805,997 |
| Q2 2005 | +46.0% | $437,969 |
| Q2 2010 | +62.0% | $486,015 |
| Q2 2015 | +65.9% | $497,708 |
| Q2 2020 | +44.3% | $433,024 |
| Q2 2021 | +30.9% | $392,584 |
| Q2 2023 | +13.9% | $341,574 |
| Q2 2025 | +1.0% | $303,022 |
How ZIP3 206 ranks
Over the past year ZIP3 206 ranks 758th of 882 3-digit ZIP regions nationally and 11th of 13 in Maryland. Its one-year change is −2.0 pts versus the nation and −1.2 pts versus Maryland. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Maryland |
|---|---|---|
| 1 year | 758th of 882 | 11th of 13 |
| 3 years | 536th of 882 | 7th of 13 |
| 5 years | 785th of 882 | 9th of 13 |
| 10 years | 799th of 882 | 9th of 13 |
| Since Q1 1995 | 751st of 879 | 13th of 13 |
Boom, bust, and recovery in ZIP3 206
ZIP3 206's index peaked in Q2 2007, fell 30.1% to its low in Q2 2012, and regained its peak in Q4 2021, about 14.5 years after the top. Today it sits +22.4% versus that 2000s peak. How every state and ZIP region fared
| Area | 2000s peak | Low point | Peak to low | Back to peak | Today vs peak |
|---|---|---|---|---|---|
| ZIP3 206 | Q2 2007 | Q2 2012 | -30.1% | Q4 2021 (14.5 yrs) | +22.4% |
| MD | Q2 2007 | Q2 2012 | -25.3% | Q2 2021 (14 yrs) | +35.2% |
| Metro | Q1 2007 | Q2 2011 | -29.7% | Q1 2019 (12 yrs) | +36.3% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 206's index has changed +38.6% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 206 after inflation | MD after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | -2.8% | -1.6% | -3.3% | -0.8% |
| 3 years | +9.8% | +3.7% | +1.3% | -4.7% | +2.8% |
| 5 years | +24.0% | +5.5% | +6.5% | -5.9% | +13.9% |
| 10 years | +39.1% | +17.6% | +17.8% | +9.4% | +39.0% |
| Since Q1 1995 | +121% | +38.6% | +57.2% | +75.6% | +76.8% |
Estimate appreciation for a home in ZIP3 206
Regional estimate
$490,521
- Estimated gain
- $190,521
- Index change
- +63.51%
- Start index
- 187.68
- End index
- 306.87
ZIP3 206 (Waldorf, MD area), Q2 2016 to Q2 2026. Index type: Native 3-Digit ZIP index.
Nearby 3-digit ZIP regions
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 |
|---|---|---|---|---|
| 223 · Alexandria, VA area | VA | +2.7% | +26.2% | +340% |
| 207 · Bowie, MD area | MD | -0.1% | +25.1% | +231% |
| 200 · Washington, DC area | DC | -0.6% | +4.2% | +464% |
| 222 · Arlington, VA area | VA | -2.5% | +16.8% | +386% |
| 221 · Vienna, VA area | VA | +3.8% | +33.5% | +325% |
| 224 · Fredericksburg, VA area | VA | +5.7% | +46.5% | +285% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 306.87 |
| Q1 2026 | 312.39 |
| Q4 2025 | 303.27 |
| Q3 2025 | 298.72 |
| Q2 2025 | 303.81 |
| Q1 2025 | 290.92 |
| Q4 2024 | 299.90 |
| Q3 2024 | 291.84 |
| Q2 2024 | 293.53 |
| Q1 2024 | 280.00 |
| Q4 2023 | 276.11 |
| Q3 2023 | 279.01 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 206?
- Based on FHFA HPI® data for 3-digit ZIP region 206, the regional index changed +1.0% over the year to Q2 2026, +30.9% over five years, +63.5% over ten years, and +207% since Q1 1995.
- Is ZIP3 206 appreciating faster than Maryland and the U.S.?
- Over the past year the region's index +1.0% compares with +2.2% for Maryland and +3.0% for the U.S., a gap of −2.0 pts versus the nation. Over five years the gap versus the nation is −10.4 pts.
- Which ZIP codes are in 3-digit ZIP region 206?
- All ZIP codes that begin with 206. Census 2010 ZIP Code Tabulation Areas in this region run from 20601 to 20695 (59 areas). FHFA publishes one index for the whole 3-digit region, not for each 5-digit ZIP code.
- Can I use this to value my home?
- No. The FHFA HPI® is a broad regional index of average price movement. It is not an appraisal, tax assessment, or automated valuation of any individual property. Use it as general context alongside local sales and a professional opinion.