The Easiest Way to Improve Soil Health
Cover the ground and leave it alone. That is most of it. Soil builds itself when you stop exposing it and keep feeding it from the top, and the cheapest material for doing that is probably already sitting on your property.
The short answer
Keep the soil covered, keep something growing in it, and stop turning it over.
That sounds too simple to be the answer, and it is the answer anyway. Healthy soil is mostly a population of living things: fungi, bacteria, worms, and the insects that eat them. Bare ground bakes in summer, crusts in the rain, and washes off in storms, which kills that population off faster than it can rebuild. Covered ground stays moist and cool and gets a steady supply of food from above. The biology does the rest, and it works for free.
Mulch is the whole first year
If you do one thing, spread three to four inches of arborist wood chips over any bed or planting area and keep them topped up.
Chips break down slowly from the bottom, which feeds the fungi that most trees and shrubs depend on. They hold moisture through dry spells, which in the DC area means through most of August. They suppress weeds without chemicals. And tree services will often drop a full truckload in your driveway at no cost, because otherwise they pay to dump it. Search for a chip drop service in your area or ask whoever last pruned your trees.
Keep chips a few inches back from tree trunks and house siding. Piled against bark, they hold moisture where you do not want it.
Fallen leaves are the other free material. Shred them with a mower and leave them on the beds instead of bagging them for the curb. You are throwing away exactly what the soil needs.
Stop digging
Tilling feels productive. It fluffs the soil and makes a bed look ready. It also tears up the fungal networks that took a season to build, exposes buried weed seed to light, and burns through organic matter by flooding the soil with oxygen. The fluffy texture collapses after the first hard rain, usually tighter than before.
For a new bed, lay cardboard over the turf, soak it, and pile compost and chips on top. The grass dies in the dark, the cardboard rots, and worms pull the organic matter down for you. By spring you can plant straight through it. It is slower than a tiller by a few months and better by several years.
Keep something alive in it
Roots feed soil life directly. A living plant leaks sugars through its roots into the soil around it, and a large share of the microbes you are trying to encourage live on that supply. Ground that sits empty over winter has lost its feeding source.
In vegetable beds, sow a winter cover such as crimson clover or winter rye in early fall and cut it down in spring. In permanent plantings, fill gaps with low perennials rather than leaving bare mulch between shrubs forever. The goal is roots in the ground in every month you can manage.
What not to bother with
Most bagged soil amendments, bottled microbe products, and heavy fertilizer programs solve problems you do not yet know you have. Some make things worse. Synthetic nitrogen in particular pushes fast top growth while doing nothing for the biology underneath.
Run a soil test first. Your county extension office will do one for around twenty dollars, and it will tell you whether you actually have a pH or nutrient problem worth correcting. Usually the answer is organic matter, and organic matter is the chips and leaves you already have.
Give it two seasons. The first year the change is under the surface. By the second you can see it in how the soil crumbles in your hand and how long it stays damp after rain.