Median home value in zip code 38139 (Germantown, TN) is $583,758, down 0.8% year over year. Part of the Memphis, TN-MS-AR metropolitan area.

Home Value$583,758

YoY Change

-0.8%

Prices falling — better for buyers.

Affordability

Enter your income for 38139 (Germantown).

Income (annual)

Down Payment

$116,752 on $583,758

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

Out of reach58.6% of income

Need $156,986/yr to afford.

PITI$3,663

P/I58.6%

Afford$279K

Gap-$305K

P&I $2,952Tax $545Ins $167

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

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

Metro Analysis

38139 is part of the Memphis, TN-MS-AR metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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