Germantown, NY—12526
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Germantown, NY
As of Oct '25, the median home price in Germantown, NY is $543,000, with a year-over-year change of 6.7%. This indicates that home prices in Germantown, NY are increasing. According to Zillow, the 1-year price projection is 3.7%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $543,000 | 6.7% |
| Single Family | $542,000 | 6.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $414,000 | 5.1% |
3 Bed | $528,000 | 6.5% |
4 Bed | $723,000 | 9.4% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Germantown, NY
As of July '25, Rentcast reports the average rent in Germantown, NY is $4,720, with a year-over-year rent change of -18.1%. Per bedroom, the median rent as of July '25 in Germantown, NY is 3-bedrooms: $4,350. The most common rental property sizes in Germantown, NY are 1-bedroom and 2-bedroom, accounting for 50.7% and 35.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $5,450 | $4,720 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $2,700 | $4,350 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Germantown, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Germantown, NY is 124. This is a increase of 41.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 6.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $894,000 | -6.0% |
Listing Count | 35 | 54.0% |
| Listings as % of Homes | 0.8% | 54.0% |
Days on Market | 124 | 41.0% |
Demographics — Germantown, NY
As of the latest ACS Survey released in 2023, Germantown, NY has a population of 3,430, which has decreased by -5.8% over the past 5 years. Germantown, NY is a less popular place for families, as children make up 12.5% of the population. The area has a moderately educated workforce, with 43.0% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 16.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,430 | -5.8% |
% Under 18 | 12.5% | -26.5% |
% Seniors | 28.7% | 40.7% |
% WFH | 16.4% | 26.2% |
% w/ College Degree | 43.0% | 14.7% |
As of the latest ACS Survey released in 2023, Germantown, NY is a predominantly white area, with 84.3% of the population identifying as white. The white population has shrunk by 3.4% in the last 5 years. The second most common race or ethnicity in Germantown, NY is hispanic, making up 6.4% of the population. Foreign-born residents account for 8.0% of the population in Germantown, NY, and this percentage has increased by 17.6% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 84.3% | -3.4% |
% Black | 3.4% | 161.5% |
% Hispanic | 6.4% | -7.2% |
% Asian | 0.7% | -50.0% |
% Foreign Born | 8.0% | 17.6% |
Mortgage and Risk — Germantown, NY
According to HUD data as of 2023, there were 54 mortgage originations in Germantown, NY, of which 96.0% of loans were conventional mortgages. The average loan-to-value was 50.0%, with 9.0% above 90% LTV (normal). This implies small mortgage risk in Germantown, NY. Investor activity is low, as 2.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 54 |
% Conventional Loans | 96.0% |
% Government Loans | 4.0% |
% Investor Loans | 2.0% |
% Second Loans | 7.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Germantown, NY
Germantown, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 47 |
Total Units Section 8 | 9 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,360 |
| 2 Bedroom | N/A | N/A | $1,550 |
| 3 Bedroom | -$830 | $2,700 | $1,870 |
| 4 Bedroom | N/A | N/A | $2,060 |
Affordability — Germantown, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.5 |
| Median Home Price | $543,000 |
| Median Household Income | $87,100 |