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What income do you need to buy in Germantown, West Central?
About $101,000 a year to buy the typical Germantown, West Central home, which sells for about $284,000.
- Typical sale price
- $284,000Median of 25 sales in the past 12 months
- Income needed
- $101,000A year, before taxes
- Cash needed up front
- $41,00010% 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 | $1,782 |
|---|---|
| Property tax | $328 |
| Insurance | $118 |
| Mortgage insurance | $106 |
| Total a month | $2,334 |
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
Down 22.9% 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 | $427,500 | 8 |
| Q2 2025 | $360,000 | 13 |
| Q3 2025 | $310,000 | 8 |
| Q4 2025 | $283,500 | 9 |
| Q1 2026 | Few sales | 2 |
| Q2 2026 | $262,500 | 12 |
| Q3 2026 | Few sales | 4 |
Quarters with fewer than 5 sales are left out, because a median of so few sales is unreliable.
Quarters with no recorded sales are left blank.
Tell us four things
Nearby neighborhoods
Cheaper nearby
- Germantown, Westside $273,000
- Germantown, Morton $160,000
- Wister $125,000
Pricier nearby
- East Falls $380,000
- Mount Airy, West $578,000
- Roxborough $382,000
Questions about buying in Germantown, West Central
What income do you need to buy a home in Germantown, West Central?
About $101,000 a year for the typical Germantown, West Central price of $284,000, 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, West Central?
About $41,000 up front at the typical price: 10% down ($28,000), your share of the transfer tax ($6,489) and closing costs ($5,670).
What does a typical home in Germantown, West Central cost per month?
A typical Germantown, West Central home costs about $2,334 a month all in: principal and interest $1,782, property tax $328, insurance $118, mortgage insurance $106. Claiming the Homestead Exemption could lower the tax by about $117 a month.
Based on 25 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.