The median home in Germantown, Tennessee is valued at $473,098, down 0.6% year over year. Typical monthly rent is $2,217, producing a price-to-rent ratio of 17.8x — near the national average of 18x. Germantown is part of the Memphis, TN-MS-AR metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$473,098

-0.6%

Rent$2,217/mo

Prices falling — better for buyers.

Affordability

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Income (annual)

Down Payment

$94,620 on $473,098

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

Out of reach45.4% of income

Need $121,671/yr to afford.

PITI$2,839

P/I45.4%

Afford$292K

Gap-$181K

P&I $2,392Tax $280Ins $167

Renting $622/mo cheaper ($2,217 rent)6.50% 30yr, 20% down, county tax + TN ins. 28% per HUD.

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

Other cities in Tennessee

Compare Germantown with other housing markets across Tennessee.

Brentwood$1.39M College Grove$1.23M Arrington$1.13M Lookout Mountain$977K Franklin$904K Nolensville$819K Thompsons Station$728K Eads$681K

Full Memphis, TN-MS-AR analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Memphis, TN-MS-AR metro.

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Germantown, TN