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.
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Home Value$473,098
-0.6%
Rent$2,217/mo
AFFORDABILITYRenting $622/mo cheaper ($2,217 rent)6.50% 30yr, 20% down, county tax + TN ins. 28% per HUD.
Enter your income for Germantown.
$94,620 on $473,098
Out of reach — 45.4% of income
Need $121,671/yr to afford.
PITI$2,839
P/I45.4%
Afford$292K
Gap-$181K
P&I $2,392Tax $280Ins $167
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Tennessee
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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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