Germantown, Philadelphia, PA—19144
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Germantown, Philadelphia, PA
As of Oct '25, the median home price in Germantown, Philadelphia, PA is $184,000, with a year-over-year change of -0.4%. This indicates that home prices in Germantown, Philadelphia, PA are flat. According to Zillow, the 1-year price projection is 0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $184,000 | -0.4% |
| Single Family | $185,000 | -0.5% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $135,000 | 2.3% |
3 Bed | $148,000 | -0.7% |
4 Bed | $220,000 | 1.4% |
| 5 Bed | $334,000 | 3.7% |
% of Housing Stock
Rental Trends — Germantown, Philadelphia, PA
As of July '25, Rentcast reports the average rent in Germantown, Philadelphia, PA is $1,460, with a year-over-year rent change of -5.8%. Per bedroom, the median rent as of July '25 in Germantown, Philadelphia, PA is studios: $1,130, 1-bedrooms: $1,360, 2-bedrooms: $1,600, 3-bedrooms: $1,770, 4-bedrooms: $2,080. The most common rental property sizes in Germantown, Philadelphia, PA are 1-bedroom and 2-bedroom, accounting for 38.4% and 26.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,400 | $1,460 |
| Studio Rent | $1,100 | $1,130 |
| 1 Bed Rent | $1,320 | $1,360 |
| 2 Bed Rent | $1,500 | $1,600 |
| 3 Bed Rent | $1,700 | $1,770 |
| 4 Bed Rent | $1,900 | $2,080 |
% of Rental Stock
Property Listings — Germantown, Philadelphia, PA
As of Oct '25, Realtor.com reports that the median days on market for a home in Germantown, Philadelphia, PA is 58. This is a decrease of -6.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 18.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $249,000 | 4.0% |
Listing Count | 142 | -4.0% |
| Listings as % of Homes | 0.6% | -4.0% |
Days on Market | 58 | -6.0% |
Demographics — Germantown, Philadelphia, PA
As of the latest ACS Survey released in 2023, Germantown, Philadelphia, PA has a population of 48,500, which has increased by 14.1% over the past 5 years. Germantown, Philadelphia, PA is a moderately popular place for families, as children make up 21.0% of the population. The area has a moderately educated workforce, with 35.1% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 18.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 48,500 | 14.1% |
% Under 18 | 21.0% | -0.9% |
% Seniors | 14.1% | -3.4% |
% WFH | 18.6% | 365.0% |
% w/ College Degree | 35.1% | 17.0% |
As of the latest ACS Survey released in 2023, Germantown, Philadelphia, PA is a predominantly black area, with 69.9% of the population identifying as black. The black population has shrunk by 8.4% in the last 5 years. The second most common race or ethnicity in Germantown, Philadelphia, PA is white, making up 19.6% of the population. Foreign-born residents account for 5.9% of the population in Germantown, Philadelphia, PA, and this percentage has increased by 31.1% 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 | 19.6% | 21.0% |
% Black | 69.9% | -8.4% |
% Hispanic | 5.3% | 35.9% |
% Asian | 2.0% | -4.8% |
% Foreign Born | 5.9% | 31.1% |
Mortgage and Risk — Germantown, Philadelphia, PA
According to HUD data as of 2023, there were 417 mortgage originations in Germantown, Philadelphia, PA, of which 76.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 31.0% above 90% LTV (very high). This implies large mortgage risk in Germantown, Philadelphia, PA. Investor activity is low, as 5.0% of loans were by investors. 18.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 417 |
% Conventional Loans | 76.0% |
% Government Loans | 24.0% |
% Investor Loans | 5.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 18.0% |
Loan Activity
Rentals and Section 8 — Germantown, Philadelphia, PA
As of 2024, the percent of homes in Germantown, Philadelphia, PA under the Section 8 program is 15.6%. This is considered high, suggesting that the neighborhood is heavily composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Germantown, Philadelphia, PA, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.
Section 8 Market Size
Total Units under HUD | 2,719 |
Total Units Section 8 | 2,140 |
% Rentals under Section 8 | 15.6% |
% Occupied Section 8 | 86.2% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $10 | $1,320 | $1,330 |
| 2 Bedroom | $80 | $1,500 | $1,580 |
| 3 Bedroom | $200 | $1,700 | $1,900 |
| 4 Bedroom | $260 | $1,900 | $2,160 |
Affordability — Germantown, Philadelphia, PA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.3 |
| Median Home Price | $184,000 |
| Median Household Income | $45,700 |