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What income do you need to buy in Germantown, East?
About $50,000 a year to buy the typical Germantown, East home, which sells for about $137,000.
- Typical sale price
- $137,000Median of 96 sales in the past 12 months
- Income needed
- $50,000A year, before taxes
- Cash needed up front
- $20,00010% down, transfer tax and closing costs
Assumes 10% down, no other debts, credit of 700–759, and a 7.49% 30-year rate (the 7.24% weekly average plus 0.25 points for good credit). These are estimates, not a loan offer.
What it costs each month
| Principal and interest | $858 |
|---|---|
| Property tax | $184 |
| Insurance | $57 |
| Mortgage insurance | $51 |
| Total a month | $1,150 |
Claiming the Homestead Exemption could lower the property tax by about $117 a month. The total above does not include that saving.
How prices have moved
Up 9.2% from the year before, comparing the median sale price of the last 12 months with the 12 months before.
| Quarter | Median sale price | Sales |
|---|---|---|
| Q1 2025 | $129,500 | 20 |
| Q2 2025 | $120,000 | 26 |
| Q3 2025 | $125,000 | 31 |
| Q4 2025 | $136,500 | 22 |
| Q1 2026 | $144,250 | 34 |
| Q2 2026 | $132,500 | 36 |
| Q3 2026 | $138,500 | 14 |
| Q4 2026 | Few sales | 1 |
Quarters with fewer than 5 sales are left out, because a median of so few sales is unreliable.
Tell us four things
Nearby neighborhoods
Cheaper nearby
Pricier nearby
- Germantown, Morton $160,000
- West Oak Lane $209,000
- Fern Rock $178,000
Questions about buying in Germantown, East
What income do you need to buy a home in Germantown, East?
About $50,000 a year for the typical Germantown, East price of $137,000, keeping the housing payment to 28% of gross income. Assumes 10% down, no other debts, credit of 700–759, and a 7.49% 30-year rate (the 7.24% weekly average plus 0.25 points for good credit).
How much cash do you need to buy in Germantown, East?
About $20,000 up front at the typical price: 10% down ($14,000), your share of the transfer tax ($3,124) and closing costs ($2,730).
What does a typical home in Germantown, East cost per month?
A typical Germantown, East home costs about $1,150 a month all in: principal and interest $858, property tax $184, insurance $57, mortgage insurance $51. Claiming the Homestead Exemption could lower the tax by about $117 a month.
Based on 96 sales, as of 2026-10-29. Mortgage rate 7.24% (Freddie Mac, week of 2026-10-29). Estimates only, not financial advice. Talk to a lender.