The median home in Germantown, New York is valued at $533,822, up 8.7% year over year. Germantown is part of the Hudson, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$533,822

+8.7%

Prices rising — worse for buyers.

Affordability

Enter your income for Germantown.

Income (annual)

Down Payment

$106,764 on $533,822

Example: $75,000 household income. Change it above to see your own.

Out of reach57.8% of income

Need $154,886/yr to afford.

PITI$3,614

P/I57.8%

Afford$258K

Gap-$275K

P&I $2,699Tax $765Ins $150

6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

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

Other cities in New York

Compare Germantown with other housing markets across New York.

Sagaponack$7.21M Water Mill$4.54M Bridgehampton$4.44M Wainscott$3.78M Sands Point$3.18M Amagansett$2.97M Old Westbury$2.85M Quogue$2.77M

Full Hudson, NY analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Hudson, NY metro.

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Germantown, NY