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What income do you need to buy in Germantown, Southwest?
About $81,000 a year to buy the typical Germantown, Southwest home, which sells for about $228,000.
- Typical sale price
- $228,000Median of 42 sales in the past 12 months
- Income needed
- $81,000A year, before taxes
- Cash needed up front
- $33,00010% 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 | $1,433 |
|---|---|
| Property tax | $251 |
| Insurance | $95 |
| Mortgage insurance | $86 |
| Total a month | $1,865 |
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 14% 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 | $211,500 | 18 |
| Q2 2025 | $250,000 | 17 |
| Q3 2025 | $200,000 | 15 |
| Q4 2025 | $250,000 | 12 |
| Q1 2026 | $209,250 | 10 |
| Q2 2026 | $185,750 | 18 |
| Q3 2026 | $265,000 | 8 |
Quarters with no recorded sales are left blank.
Tell us four things
Nearby neighborhoods
Cheaper nearby
Pricier nearby
- Germantown, Westside $273,000
- Germantown, West Central $284,000
- East Falls $380,000
Questions about buying in Germantown, Southwest
What income do you need to buy a home in Germantown, Southwest?
About $81,000 a year for the typical Germantown, Southwest price of $228,000, 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, Southwest?
About $33,000 up front at the typical price: 10% down ($23,000), your share of the transfer tax ($5,219) and closing costs ($4,560).
What does a typical home in Germantown, Southwest cost per month?
A typical Germantown, Southwest home costs about $1,865 a month all in: principal and interest $1,433, property tax $251, insurance $95, mortgage insurance $86. Claiming the Homestead Exemption could lower the tax by about $117 a month.
Based on 42 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.