The median home in Germantown, Maryland is valued at $414,595, down 2.1% year over year. Typical monthly rent is $1,989, producing a price-to-rent ratio of 17.4x — near the national average of 18x. Germantown is part of the Washington-Arlington-Alexandria, DC-VA-MD-WV metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Washington-Arlington-Alexandria, DC-VA-MD-WV stress score, crash risk, and 12-month forecast →

Home Value$414,595

-2.1%

Rent$1,989/mo

AFFORDABILITY

Enter your income for Germantown.

Income (annual)

Down Payment

$82,919 on $414,595

Out of reach — 41.5% of income

Need $111,129/yr to afford.

PITI$2,593

P/I41.5%

Afford$280K

Gap-$135K

P&I $2,096Tax $363Ins $133

Renting $604/mo cheaper ($1,989 rent)6.50% 30yr, 20% down, county tax + MD ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Maryland

Compare Germantown with other housing markets across Maryland.

Gibson Island$2941K Chevy Chase View$1431K Potomac$1352K Glen Echo$1286K Cabin John$1246K Chevy Chase$1199K Bethesda$1110K Dayton$1056K

Full Washington-Arlington-Alexandria, DC-VA-MD-WV analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Washington-Arlington-Alexandria, DC-VA-MD-WV metro.

View Washington-Arlington-Alexandria, DC-VA-MD-WV metro →

GERMANTOWN, MD